103 Willow Bluff Dr, Madison, AL 35757 Property Records

Madison County property record for 103 Willow Bluff Dr, Madison, AL 35757

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,434 sqft · built 1988
Lot Size	0.19 acres (8,310 sqft)
Owner	2 Individual Names on Record
Last Sale	$125,000 (Aug 2017)
Tax Bill	$1,392 (2026)
Deeds & Mortgages	Sep 2026 Line of Credit Aug 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-04-19-4-006-014.000`

Property Details

APN / Parcel Number

Primary APN	`15-04-19-4-006-014.000`
Alternative APN	`456489`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,434 sqft Living Area
1st Floor Area	1,434 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2000
Exterior Material	Other
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	8,310 sqft (0.19 acres)
Lot Dimensions	104 ft deep x 65 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	456489
Street Address	103 WILLOW BLUFF DR
City	MADISON
State	AL
Zip	35757-6805
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4 BLK 3 KNOX CREEK S/D PB 18 PG 93
Legal Range	02W
Legal Township	03S
Legal Section	19
Legal Subdivision	KNOX CREEK
Legal Block	3
Legal Lot Number	4
Jurisdiction	MADISON AL
Township / Civil Division	HUNTSVILLE
Census Block Group	2
Census Block	2034
Census Tract	10612

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 WILLOW BLUFF DR, MADISON, AL 35757-6805
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2026	Deed of Trust, Mortgage · Line of Credit REDSTONE FEDERAL CREDIT UNION
Aug 29, 2017	Warranty Deed, Transfer · Conventional Mortgage REDSTONE FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 29, 2017 · Amount on Record
Deed Sale	Aug 29, 2017 · Amount on Record
Deed Document Number	2017503420
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON AL
Recording Date	Sep 23, 2026
Property Address	103 WILLOW BLUFF DR, MADISON, AL 35757-6805
Document Number	2026207786
Book / Page	2026 / 207786
Instrument Date	Sep 18, 2026
Transaction Type	Mortgage
Record Updated	Oct 2, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 WILLOW BLUFF DR, MADISON, AL 35757-6805

Mortgage

Document Number	2026207786,
Date	Sep 23, 2026
Book Page	2026/207786

Lender

Name	REDSTONE FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 23, 2056

Interest

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

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON AL
Recording Date	Aug 29, 2017
Property Address	103 WILLOW BLUFF DR, MADISON, AL 35757-6805
Document Number	0000503420
Map Reference	MB 18 PG 93
Instrument Date	Aug 24, 2017
Instrument	20170829000503420
Transaction Type	Transfer
Record Updated	Nov 22, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$125.00
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	103 WILLOW BLUFF DR, MADISON, AL 35757-6805

Mortgage

Document Number	0000503430
Date	Aug 29, 2017
Instrument	20170829000503430

Lender

Name	REDSTONE FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,392.00
2025	$1,392.00 (+18.57%) Homeowner's exemption	$24,840 (+17.84%) Land $4,000 Building $20,840	$248,400 (+17.89%) Land $40,000 Building $208,400
2023	$1,174.00 (+7.61%) Homeowner's exemption	$21,080 (+7.33%) Land $4,000 Building $17,080	$210,700 (+7.34%) Land $40,000 Building $170,700
2022	$1,091.00 Homeowner's exemption	$19,640 Land $3,000 Building $16,640	$196,300 Land $30,000 Building $166,300

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 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 10 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	10 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

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

Wildfire Risk	Low lower than 98% of the US · lower than 99.5% 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.

Drinking Water

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

Water System	HUNTSVILLE UTILITIES WATER DEPT. serves 310,107 people · EPA ID AL0000882
Water Source	Surface water
Last State Inspection	Aug 2023
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 490 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Google Fiber Fiber	8,000 / 8,000
AT&T Fiber	5,000 / 5,000
Xfinity Fiber · Cable in parts of the area	2,000 / 2,000
WOW Internet, Cable & Phone Cable	1,200 / 50

May also be available: Mediacom Xtream, Verizon.

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