1040 Rivercrest Dr, Vincent, AL 35178 Property Records

St. Clair County property record for 1040 Rivercrest Dr, Vincent, AL 35178

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,560 sqft · built 1996
Lot Size	1.06 acres (46,173 sqft)
Owner	2 Individual Names on Record
Tax Bill	$888 (2025)
Deeds & Mortgages	Nov 2021 Mortgage May 2017 Mortgage
Flood Zone	Zone AE (high risk)
APN	`31-05-21-0-001-013.000`

Property Details

APN / Parcel Number

Primary APN	`31-05-21-0-001-013.000`
Alternative APNs	`00500557` `500557` `35872`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,560 sqft Living Area
1st Floor Area	1,560 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	46,173 sqft (1.06 acres)
Boat Access	Boat Access
Boat House	300 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	00500557
Street Address	1040 RIVERCREST DR
City	VINCENT
State	AL
Zip	35178-9215
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 5 HANCOCK SUB DIV 21-18-3
Legal Range	03E
Legal Township	18S
Legal Section	21
Legal Subdivision	HANCOCK SUB DIV
Legal Lot Number	5
Jurisdiction	ST CLAIR AL
Township / Civil Division	PELL CITY
Census Block Group	1
Census Block	1018
Census Tract	40213

Owner

Source: St. Clair County records, as of August 4, 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	1040 RIVERCREST DR, VINCENT, AL 35178-9215
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
May 6, 2017	Deed of Trust, Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR AL
Property Address	1040 RIVERCREST DR, TRUSSVILLE, AL 35173
Transaction Type	Mortgage
Record Updated	Oct 4, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000076826
Date	Nov 16, 2021
Book Page	MTG 2021/76826

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR AL
Property Address	1040 RIVERCREST DR, TRUSSVILLE, AL 35173
Document Number	0000016789
Instrument Date	May 6, 2017
Transaction Type	Mortgage
Record Updated	Aug 1, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1040 RIVERCREST DR VINCENT AL 351789215, VINCENT, AL 35178-9215

Mortgage

Document Number	0000016789
Date	May 16, 2017
Instrument	16789

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 15, 2047

Tax Assessment & Valuation

Source: St. Clair County assessment roll, as of August 4, 2026

Property Jurisdictions

Type	Name
State	Alabama
County	St. Clair County
Unified School District	Pell City City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$888.00 (+9.36%)	$26,000 (-49.95%)	$259,730 (-)
2023		$51,946 Land $17,640 Building $34,306	$259,730 Land $88,200 Building $171,530
2022	$812.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective August 22, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 35 policies
Nearby Flood Policies	35 in force
Nearby Flood Claims	1 (2024)
Most Recent Claim	Jul 2024 · rainfall accumulation

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 93% of the US · lower than 97.7% of Alabama
Wildfire Likelihood	0.02% 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	NEW LONDON WATER & FP AUTHORITY serves 6,843 people · EPA ID AL0001437
Water Source	Groundwater
Last State Inspection	Dec 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	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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 58 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Coosa Valley Technologies Fiber	1,000 / 1,000
Sparklight Cable	1,000 / 50

Cell Coverage

5G (outdoors only) and 4G LTE

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