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1040 Middle Ring Rd, Mobile, AL 36608 Property Records

Mobile County property record for 1040 Middle Ring Rd, Mobile, AL 36608 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,222 sqft · built 1980
Lot Size1 acres (43,560 sqft)
OwnerIndividual Name on File
Last Sale$170,500 (Aug 2023)
Tax Bill$685 (2025)
Deeds & MortgagesJun 2026 Mortgage
Aug 2023 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APNR02280209300203903

Property Details

APN / Parcel Number

Primary APNR02280209300203903
Alternative APNs
  • 28 02 09 3 002 039.03X
  • 01575370
  • 1575370

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms6 Rooms
Stories1 Story
Building Area1,222 sqft Living Area
1st Floor Area1,222 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1980
Effective Year BuiltEffective 2012
Exterior MaterialBrick
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area43,560 sqft (1 acres)
PorchSlab

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Account Number1575370
Street Address1040 MIDDLE RING RD
CityMOBILE
StateAL
Zip36608-4126
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 11 ALPINE HILLS EAST UN IT 2 MBK 31 P 78 #SEC 9 T4S R2W #MP28 02 09 3 002
Legal Range04S
Legal Township04S
Legal Section09
Legal SubdivisionPINE HILL
Legal Lot Number11
JurisdictionMOBILE AL
Township / Civil DivisionMOBILE
Census Block Group1
Census Block1016
Census Tract3405

Owner

Source: Mobile County records · APN R02280209300203903

Assessment roll updated December 23, 2025 · Last verified August 2026

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

Owner of RecordIndividual Name on File
Mailing Address1040 MIDDLE RING RD, MOBILE, AL 36608-4126
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 02, 2026Deed of Trust, Mortgage · FHA Mortgage
MORTGAGE CONNECT
Aug 08, 2023Warranty Deed, Transfer · FHA Mortgage
GUARANTEED RATE INC

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleAug 08, 2023 · Amount on Record
Deed SaleAug 08, 2023 · Amount on Record
Prior SaleDec 18, 2009
Deed Document Number202347622
Record UpdatedSep 20, 2026

June 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMOBILE AL
Recording DateJun 02, 2026
Property Address1040 MIDDLE RING RD, MOBILE, AL 36608-4126
Document Number0000032385
Instrument DateMay 04, 2026
Instrument202632385
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyMORTGAGE CONNECT

Transferred To (Grantee/Buyer)

NameVerified Name
Address1040 MIDDLE RING RD, MOBILE, AL 36608-4126

Mortgage

Document Number0000032385,
DateJun 02, 2026
Instrument202632385
Lender
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueMay 01, 2056
Interest
Rate6.46%
Max Rate-1%

August 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMOBILE AL
Recording DateAug 08, 2023
Property Address1040 MIDDLE RING RD, MOBILE, AL 36608-4126
Document Number0000047622
Map ReferenceMB 31 PG 78
Instrument DateAug 02, 2023
Instrument2023047622
Transaction TypeTransfer
Record UpdatedAug 23, 2023
Title CompanySTEWART TITLE OF ALABAMA LLC

Transaction

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

Transferred From (Grantor/Seller)

NameVerified Name
Address3661 AIRPORT BLVD APT 182, 182, MOBILE, AL 36608-1645

Transferred To (Grantee/Buyer)

NameVerified Name
Address1040 MIDDLE RING RD, MOBILE, AL 36608-4126

Mortgage

Document Number0000047623
DateAug 08, 2023
Instrument2023047623
Lender
NameGUARANTEED RATE INC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueSep 01, 2053

Mortgage

Document Number0000047892
DateAug 08, 2023
Instrument2023047892
Lender
NameGUARANTEED RATE INC
TypeMortgage Company
AddressCHICAGO, IL 60613
Agreement
TypeStand-Alone Second Mortgage
AmountAmount Recorded
Term121 Months
DueSep 01, 2033

Tax Assessment & Valuation

Source: Mobile County records · Assessment roll updated December 23, 2025 · Last verified August 2026

Property Jurisdictions

TypeName
StateAlabama
CountyMobile County
MunicipalityMobile City
Unified School DistrictMobile County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$685.00 (+3.79%) Homeowner's exemption$11,690 (+3.45%) Land $2,000 Building $9,690$116,900 (+3.45%) Land $20,000 Building $96,900
2024$660.00 (+27.41%) Homeowner's exemption$11,300 (+24.72%) Land $2,000 Building $9,300$113,000 (+24.72%) Land $20,000 Building $93,000
2023$518.00 (+9.51%) Homeowner's exemption$9,060 (+8.37%) Land $2,280 Building $6,780$90,600 (+8.37%) Land $22,800 Building $67,800
2022$473.00 Homeowner's exemption$8,360 Land $1,900 Building $6,460$83,600 Land $19,000 Building $64,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Mobile County (01097C), updated October 1, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 010970034051, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Community Rating SystemClass 10 (0% premium discount)
Nearby Flood Policies2 in force
Nearby Flood Claims13 (1978–2010)
Claims Outside the SFHA7 of 13
Most Recent ClaimMay 2010, rainfall accumulation
Claims By Storm
  • Hurricane Georges, Sep 1998 · 2 claims

Wildfire

Wildfire RiskModerate
above 45% of the US · above 50% of Alabama
Wildfire LikelihoodAbout 1 in 1,163 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 486 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
XfinityCable2,000 / 250
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20

May also be available at this address: Mediacom Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.

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