104 Ring Oak Dr, Troy, AL 36081 Property Records

Pike County property record for 104 Ring Oak Dr, Troy, AL 36081

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,138 sqft · built 2015
Lot Size	5.04 acres (219,542 sqft)
Owner	2 Individual Names on File
Last Sale	$430,000 (Aug 2025)
Tax Bill	$1,287 (2025)
Deeds & Mortgages	Mar 2020 Mortgage Aug 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`819056`

Property Details

APN / Parcel Number

Primary APN	`819056`
Alternative APN	`55 10 07 35 0 000 001.032`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,138 sqft Living Area
1st Floor Area	3,138 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	219,542 sqft (5.04 acres)
Lot Dimensions	334 ft deep x 1,003 ft wide
Garage Area	576 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	65 sqft
Deck Area	288 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	819056
Street Address	104 RING OAK DR
City	TROY
State	AL
Zip	36081-5063
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT #15 OF A PLACE IN THE WOODS PHASE IV PLAT BOOK 2007 PG 5 IN SEC 35 T10N R21E
Legal Range	21E
Legal Township	10N
Legal Section	35
Legal Subdivision	A PLACE IN THE WOODS PHASE IV
Legal Phase	4
Legal Lot Number	15
Jurisdiction	PIKE AL
Township / Civil Division	TROY
Census Block Group	2
Census Block	2000
Census Tract	189102

Owner

104 Ring Oak Dr is owned and occupied by two individuals who bought it in August 2025.

Source: Pike County records, as of March 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	207 OVERCUP DR, TROY, AL 36079-0010
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2020	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS INC
Aug 29, 2025	Warranty Deed, Transfer · Conventional Mortgage CADENCE BANK NA
May 15, 2019	Special Warranty Deed, Transfer · VA Mortgage QUICKEN LOANS INC
Feb 11, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 29, 2025 · Amount on File
Deed Sale	Aug 29, 2025 · Amount on File
Prior Sale	May 15, 2019 · Amount on File
Deed Book / Page	2025 / 2111
Prior Transfer Date	Aug 28, 2025
Prior Transfer Doc	DEED2025/2111
Record Updated	Jun 8, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PIKE AL
Property Address	104 RING OAK DR, TROY, AL 36081-5063
Transaction Type	Mortgage
Record Updated	Jan 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02020/2140
Date	Mar 31, 2020
Book Page	2020/2140
Instrument	20202140

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2050

Interest

Rate Type	Fixed Rate

August 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PIKE AL
Recording Date	Aug 29, 2025
Property Address	104 RING OAK DR, TROY, AL 36081-5063
Document Number	DEED2025/2111
Book / Page	DEED 2025 / 2111
Map Reference	MB 2007 PG 5
Instrument Date	Aug 28, 2025
Transaction Type	Transfer
Record Updated	Jan 19, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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
Address	207 OVERCUP DR, TROY, AL 36079-0010

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	104 RING OAK DR, TROY, AL 36081-5063

Mortgage

Document Number	MTG20256537
Date	Aug 29, 2025
Instrument	MTG 2025/6537

Lender

Name	CADENCE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2055

May 2019: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	PIKE AL
Recording Date	May 15, 2019
Property Address	104 RING OAK DR, TROY, AL 36081-5063
Document Number	02019/1259
Book / Page	2019 / 1259
Instrument Date	May 14, 2019
Instrument	20191259
Transaction Type	Transfer
Record Updated	Jan 19, 2026

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	521 MAPLE ST, TROY, AL 36081-2208

Mortgage

Document Number	02019/2965
Date	May 15, 2019
Book Page	2019/2965
Instrument	20192965

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2049

Interest

Rate Type	Fixed Rate

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PIKE AL
Recording Date	Feb 11, 2019
Property Address	104 RING OAK DR, TROY, AL 36081-5063
Document Number	002019/365
Book / Page	2019 / 365
Instrument Date	Feb 11, 2019
Instrument	2019-365
Transaction Type	Transfer
Record Updated	Jan 19, 2026

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	17545 FRONT BEACH RD # RD901, RD901, PANAMA CITY BEACH, FL 32413-2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 RING OAK DR, TROY, AL 36081-5063

Tax Assessment & Valuation

The 2025 property tax bill for 104 Ring Oak Dr was $1,287 with a homeowner's exemption, down 5.8% from the year before.

Source: Pike County assessment roll, as of March 19, 2026

Property Jurisdictions

Type	Name
State	Alabama
County	Pike County
Municipality	Troy City
Unified School District	Troy City School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,287.00 (-5.78%) Homeowner's exemption	$36,240 (-5.58%) Land $4,320 Building $31,920	$362,420 (-5.54%) Land $43,200 Building $319,220
2024	$1,366.00 (+3.96%) Homeowner's exemption	$38,380 (+3.84%) Land $6,100 Building $32,280	$383,680 (+3.83%) Land $60,900 Building $322,780
2023	$1,314.00 Homeowner's exemption	$36,960 (-0.05%)	$369,520 (-0.06%) Land $43,200 Building $326,320
2022	$1,314.00 Homeowner's exemption	$36,980	$369,740 Land $42,360 Building $327,380

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

FEMA maps place 104 Ring Oak Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 2, 2011

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 104 Ring Oak Dr is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · lower than 80% of Alabama
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
C Spire Wireless Fiber	10,000 / 10,000
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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