103 Bruce Dr, Madison, AL 35758 Property Records

Madison County property record for 103 Bruce Dr, Madison, AL 35758

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,857 sqft · built 2023
Owner	2 Individual Names on Record
Last Sale	$549,600 (Feb 2024)
Tax Bill	$3,904 (2026)
Deeds & Mortgages	Aug 2026 Line of Credit Sep 2023 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`16-02-10-0-001-099.009`

Property Details

APN / Parcel Number

Primary APN	`16-02-10-0-001-099.009`
Alternative APNs	`568724` `624999`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,857 sqft Living Area
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Asphalt

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	624999
Street Address	103 BRUCE DR
City	MADISON
State	AL
Zip	35758-6327
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 57 WINDERMERE SUB PH 1 PB # 2021-21771
Legal Subdivision	WINDERMERE SUBDIVISION
Legal Lot Number	57
Jurisdiction	MADISON AL
Township / Civil Division	MADISON
Census Block Group	1
Census Block	1011
Census Tract	11027

Owner

Source: Madison County records, as of October 20, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	103 BRUCE DR, MADISON, AL 35758-6327
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2026	Deed of Trust, Mortgage · Line of Credit REDSTONE FEDERAL CREDIT UNION
Sep 18, 2023	Deed of Trust, Mortgage · Construction Mortgage CB&S BANK INC
Feb 29, 2024	Warranty Deed, Transfer · Conventional Mortgage NEW AMERICAN FUNDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 29, 2024 · Amount on Record
Deed Sale	Feb 29, 2024 · Amount on Record
Deed Book / Page	2024 / 6323
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON AL
Recording Date	Aug 31, 2026
Property Address	103 BRUCE DR, MADISON, AL 35758-6327
Document Number	2026190767
Book / Page	2026 / 190767
Instrument Date	Aug 26, 2026
Transaction Type	Mortgage
Record Updated	Sep 10, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 BRUCE DR, MADISON, AL 35758-6327

Mortgage

Document Number	2026190767,
Date	Aug 31, 2026
Book Page	2026/190767

Lender

Name	REDSTONE FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON AL
Property Address	103 BRUCE DR, MADISON, AL 35758-6327
Transaction Type	Mortgage
Record Updated	May 7, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 HAYESBURY DR, PELHAM, AL 35124-1062
Investor	Possibly a Property Investor

Mortgage

Document Number	0000154133
Date	Sep 18, 2023
Book Page	MTG 2023/154133

Lender

Name	CB&S BANK INC
Type	Bank
Address	HUNTSVILLE, AL 35801

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Sep 13, 2024

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON AL
Recording Date	Feb 29, 2024
Property Address	103 BRUCE DR, MADISON, AL 35758-6327
Document Number	0000006323
Book / Page	DEED 2024 / 6323
Instrument Date	Feb 28, 2024
Transaction Type	Transfer
Record Updated	May 7, 2024
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2409 CELIA CT SW, HUNTSVILLE, AL 35803-3445

Mortgage

Document Number	0202427130
Date	Feb 29, 2024
Instrument	2024/27130

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

Mortgage

Document Number	0000027130
Date	Feb 29, 2024
Book Page	2024/27130

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution
Address	14511 MYFORD RD STE 100, TUSTIN, CA 92780

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

Tax Assessment & Valuation

Source: Madison County assessment roll, as of November 17, 2025

Property Jurisdictions

Type	Name
State	Alabama
County	Madison County
Municipality	Madison City
Unified School District	Madison City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,904.00 (-4.31%)
2025	$4,080.00 (+334.97%) Homeowner's exemption	$59,260 (+338.96%) Land $11,000 Building $48,260	$592,600 (+558.44%) Land $110,000 Building $482,600
2023	$938.00	$13,500 (-) Land $13,500	$90,000 (-) Land $90,000
2022	$938.00	$13,500 Land $13,500	$90,000 Land $90,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	1 (2023)
Most Recent Claim	Jun 2023

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 Risk	Low lower than 94% of the US · lower than 98.4% of Alabama
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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

Internet Providers

Source: FCC Broadband Data Collection, based on 390 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
WOW Internet, Cable & Phone Cable	1,200 / 50
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, T-Mobile, Xfinity.

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