103 Cedar Cove Dr, Pelham, AL 35124 Property Records

Shelby County property record for 103 Cedar Cove Dr, Pelham, AL 35124

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,365 sqft · built 1986
Lot Size	0.535 acres (23,314 sqft)
Owner	Individual Name on File
Last Sale	$220,000 (Mar 2016)
Tax Bill	$2,173 (2025)
Deeds & Mortgages	Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`131114003004024`

Property Details

APN / Parcel Number

Primary APN	`131114003004024`

Interior

Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,365 sqft Heated Area
1st Floor Area	1,630 sqft
Basement Area	815 sqft
Finished Basement	815 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 2001
Exterior Material	Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	23,314 sqft (0.535 acres)
Lot Dimensions	116 ft deep x 200 ft wide
Garage Type	Basement

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Pool Area	512 sqft
Porch	Slab
Deck Area	120 sqft
Utility Building	96 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	103 CEDAR COVE DR
City	PELHAM
State	AL
Zip	35124-1659
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEC/TWNSHP/RAN 11 20S 03W NBRHD: 08 CAHABA VALLEY R-2
Legal Range	03W
Legal Township	20S
Legal Section	11
Legal Subdivision	CEDAR COVE PHASE 2
Legal Block	2
Legal Lot Number	2
Jurisdiction	SHELBY AL
Township / Civil Division	ALABASTER-HELENA
Census Block Group	3
Census Block	3007
Census Tract	30316

Owner

Source: Shelby County assessment roll, as of April 21, 2026

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

Owner of Record	Individual Name on File
Mailing Address	103 CEDAR COVE DR, PELHAM, AL 35124-1659
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 24, 2016 · Amount on Record
Deed Sale	Mar 24, 2016 · Amount on Record
Deed Document Number	201695080
Record Updated	Jun 8, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHELBY AL
Recording Date	Oct 28, 2020
Property Address	103 CEDAR COVE DR, PELHAM, AL 35124-1659
Document Number	0000490280
Instrument Date	Oct 27, 2020
Instrument	490280
Transaction Type	Transfer
Record Updated	Nov 9, 2020
Title Company	SMITH CLOSING AND TITLE LLC, SMITH CLOSING & TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$300.00
Amount Accuracy	Confirmed
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	103 LANTANA CIR PELHAM AL 351243957, PELHAM, AL 35124-3957

Mortgage

Document Number	490290
Date	Oct 28, 2020
Instrument	490290

Lender

Name	FINANCE OF AMERICA MTG
Address	HORSHAM, PA 19044

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 27, 2050

Tax Assessment & Valuation

Source: Shelby County assessment roll, as of April 21, 2026

Property Jurisdictions

Type	Name
State	Alabama
County	Shelby County
Municipality	Pelham City
Unified School District	Pelham City School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,173.00 (+16.27%)	$37,480 (+13.78%)	$374,610 (+13.79%) Land $75,000 Building $299,610
2023	$1,869.00	$32,940	$329,220 Land $70,000 Building $259,220

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 January 23, 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 26 policies
Nearby Flood Policies	26 in force
Nearby Flood Claims	76 (1979–2021)
Claims Outside the SFHA	12 of 76
Most Recent Claim	Oct 2021 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Oct 2021 · 7 claims Severe Storms, Tornadoes & Flooding, Feb 1990 · 15 claims Severe Storms,flooding And Tornadoes, Dec 1983 · 9 claims

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 67% of the US · lower than 85% of Alabama
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

Drinking Water

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

Water System	CITY OF PELHAM serves 38,703 people · EPA ID AL0001163
Water Source	Purchased surface water from several systems
Last State Inspection	Jul 2023
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	21 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 284 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20