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101 Kay St, Opp, AL 36467 Property Records

Covington County property record for 101 Kay St, Opp, AL 36467

Property Summary

Property TypeSingle Family Home
Details2 ba · 1,316 sqft · built 2012
Lot Size0.429 acres (18,700 sqft)
Owner2 Individual Names on Record
Last Sale$235,200 (Aug 2026)
Tax Bill$636 (2025)
Deeds & MortgagesAug 2026 Sale & Line of Credit
Dec 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN23-11-08-27-4-002-034.000

Property Details

APN / Parcel Number

Primary APN23-11-08-27-4-002-034.000
Alternative APNs
  • 11082740020340000
  • 1108274002034000
  • 23162250

Interior

Full Baths2 Baths
Stories1 Story
Building Area1,316 sqft Living Area
1st Floor Area1,316 sqft
FlooringCeramic Tile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2012
Effective Year BuiltEffective 2012
Exterior MaterialAluminum/Vinyl
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area18,700 sqft (0.429 acres)
Lot Dimensions170 ft deep x 110 ft wide
Garage TypeCarport
Garage Area600 sqft
CarportCarport
Carport Area600 sqft
Parking Spaces2 Parking Spaces
PorchSlab
Utility Building792 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Account Number23162250
Street Address101 KAY ST
CityOPP
StateAL
Zip36467-9762
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionDB/PG>2011/16001 11/29/11 LOT 8 BLK. E BENTON-SELLARS ACRESSE4 OF SEC 27 T4N R18EBK 5, PG 2.
Legal Range18E
Legal Township04N
Legal Section27
Legal SubdivisionBENTON-SELLARS AC ADDN
Legal BlockE
Legal Lot Number8
JurisdictionCOVINGTON AL
Township / Civil DivisionOPP
Census Block Group4
Census Block4063
Census Tract962400

Owner

Source: Covington County records, as of September 17, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address101 KAY ST, OPP, AL 36467-9762
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 31, 2026Warranty Deed, Transfer · Line of Credit
INDEPENDENT BANK
Dec 11, 2020Deed of Trust, Mortgage · Conventional Mortgage
CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 31, 2026 · Amount on Record
Deed SaleAug 31, 2026 · Amount on Record
Deed Book / Page2026 / 20034
Prior Transfer DateNov 29, 2011
Prior Transfer Doc2011/16001
Record UpdatedOct 29, 2026

August 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCOVINGTON AL
Recording DateAug 31, 2026
Property Address101 KAY ST, OPP, AL 36467-9762
Document Number2026020034
Book / Page2026 / 20034
Instrument DateAug 25, 2026
Transaction TypeTransfer
Record UpdatedSep 9, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$23,755.20
Amount AccuracyCalculated from Transfer Tax
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address101 KAY ST, OPP, AL 36467-9762

Mortgage

Document Number2026020037,
DateAug 31, 2026
Book Page2026/20037
Lender
NameINDEPENDENT BANK
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueAug 25, 2056
Interest
Max Rate-1%

December 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCOVINGTON AL
Property Address101 KAY ST, OPP, AL 36467-9762
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number2020/24381
DateDec 11, 2020
Book Page2020/24381
Lender
NameCARDINAL FINANCIAL COMPANY LP
TypeMortgage Company
AddressCHARLOTTE, NC 28273
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueDec 1, 2035

Tax Assessment & Valuation

Source: Covington County assessment roll, as of June 18, 2026

Property Jurisdictions

TypeName
StateAlabama
CountyCovington County
MunicipalityOpp City
Unified School DistrictOpp City School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$636.00 (+7.61%) Homeowner's exemption$36,200 (+121%) Land $1,000 Building $35,200$181,000 (+10.54%) Land $5,000 Building $176,000
2024$591.00 (+16.11%) Homeowner's exemption$16,380 (+14.98%) Land $500 Building $15,880$163,740 (+14.94%) Land $5,000 Building $158,740
2023$509.00 (+4.73%) Homeowner's exemption$14,246 (+4.17%) Land $440 Building $13,806$142,460 (+4.17%) Land $4,400 Building $138,060
2022$486.00 Homeowner's exemption$13,676 Land $400 Building $13,276$136,760 Land $4,000 Building $132,760

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective November 4, 2009 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Claims1 (1998)
Claims Outside the SFHA1 of 1
Most Recent ClaimSep 1998 · Hurricane Georges

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 94% of the US · lower than 98.4% of Alabama
Wildfire Likelihood0.02% annual chance
ExposureNone
beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemOPP UTILITIES BOARD
serves 10,266 people · EPA ID AL0000375
Water SourceGroundwater
Last State InspectionJan 2025
Lead3 ppb (2024–2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 114 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Brightspeed
Fiber		2,000 / 2,000
Mediacom Xtream
Cable		1,000 / 50

Cell Coverage

5G (outdoors only) and 4G LTE

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