Madison County property record for 103 Downing Rdg, Madison, AL 35758
| Property Type | Residential Vacant Land |
|---|---|
| Lot Size | 0.514 acres (22,416 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $120,000 (Jul 2020) |
| Tax Bill | $903 (2026) |
| Deeds & Mortgages | Jul 2020 Line of Credit Jul 2020 Sale & Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-02-04-2-000-028.023 |
| Primary APN | 16-02-04-2-000-028.023 |
|---|---|
| Alternative APN |
|
| Lot Area | 22,416 sqft (0.514 acres) |
|---|---|
| Lot Dimensions | 180 ft deep x 120 ft wide |
| Account Number | 551985 |
|---|---|
| Street Address | 103 DOWNING RDG |
| City | MADISON |
| State | AL |
| Zip | 35758-5603 |
| Property Category | Residential |
| Property Type | Vacant Land > Residential |
| Legal Description | LOT 13 BLK 2 WELLINGTON PB 35 PG 31 |
| Legal Range | 02W |
| Legal Township | 04S |
| Legal Section | 04 |
| Legal Subdivision | WELLINGTON |
| Legal Block | 2 |
| Legal Lot Number | 13 |
| Jurisdiction | MADISON AL |
| Township / Civil Division | MADISON |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 11025 |
103 Downing Rdg, residential vacant land, is owned by two individuals who bought it in July 2020.
Source: Madison County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 109 ANNAPOLIS CT, MADISON, AL 35758-6318 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 20, 2020 | Deed of Trust, Mortgage · Line of Credit BANK INDEPENDENT |
| Jul 21, 2020 | Warranty Deed, Transfer · Line of Credit BANK INDEPENDENT |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 21, 2020 · Amount on File |
| Deed Sale | Jul 21, 2020 · Amount on File |
| Prior Sale | Aug 25, 2008 · Amount on File |
| Deed Document Number | 202052524 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON AL |
| Property Address | 103 DOWNING RDG, MADISON, AL 35758-5603 |
| Document Number | 0000052525 |
| Instrument Date | Jul 20, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 11, 2020 |
| Title Company | REALTY TITLE INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 103 DOWNING RDG MADISON AL 357585603, MADISON, AL 35758-5603 |
| Document Number | 0000052525 |
|---|---|
| Date | Jul 21, 2020 |
| Instrument | 52525 |
| Name | BANK INDEPENDENT |
|---|---|
| Type | Bank |
| Address | SHEFFIELD, AL 35660 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 20, 2050 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON AL |
| Recording Date | Jul 21, 2020 |
| Property Address | 103 DOWNING RDG, MADISON, AL 35758-5603 |
| Document Number | 0000052524 |
| Instrument Date | Jul 20, 2020 |
| Instrument | 52524 |
| Transaction Type | Transfer |
| Record Updated | Sep 15, 2020 |
| Title Company | REALTY TITLE INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $120.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 2716 WHISTLER LN SE OWENS CROSS ROADS AL 357639324, OWENS CROSS ROADS, AL 35763-9324 |
| Document Number | 52525 |
|---|---|
| Date | Jul 21, 2020 |
| Instrument | 52525 |
| Name | BANK INDEPENDENT |
|---|---|
| Type | Bank |
| Address | SHEFFIELD, AL 35660 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 20, 2050 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 103 Downing Rdg was $903.
Source: Madison County assessment roll, as of November 17, 2025
| Type | Name |
|---|---|
| State | Alabama |
| County | Madison County |
| Municipality | Madison City |
| Unified School District | Madison City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $903.00 | ||
| 2025 | $903.00 | $13,000 Land $13,000 | $65,000 Land $65,000 |
| 2023 | $903.00 | $13,000 (-) Land $13,000 | $65,000 (-) Land $65,000 |
| 2022 | $903.00 | $13,000 Land $13,000 | $65,000 Land $65,000 |
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.
FEMA maps place 103 Downing Rdg in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
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 risk around 103 Downing Rdg is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 99.2% 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.
Source: FCC Broadband Data Collection, based on 160 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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