Shelby County property record for 1040 Watersedge Cir, Birmingham, AL 35242
| Property Type | Single Family Home |
|---|---|
| Details | 4.5 ba · 6,332 sqft · built 2002 |
| Lot Size | 0.742 acres (32,322 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $912,500 (May 2018) |
| Tax Bill | $4,940 (2026) |
| Deeds & Mortgages | Mar 2018 Mortgage May 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 092040003094000 |
| Primary APN | 092040003094000 |
|---|
| Full Baths | 4.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 6,332 sqft Heated Area |
| 1st Floor Area | 3,748 sqft |
| Upper Floors Area | 1,712 sqft |
| Basement Area | 1,478 sqft |
| Finished Basement | 1,246 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 32,322 sqft (0.742 acres) |
| Lot Dimensions | 333 ft deep x 116 ft wide |
| Garage Type | Basement |
| Pool Area | 1 sqft |
| Porch | Patio |
| Deck Area | 35 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1040 WATERSEDGE CIR |
|---|---|
| City | BIRMINGHAM |
| State | AL |
| Zip | 35242-2425 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SEC/TWNSHP/RAN 4 19S 01W NBRHD: 01 HIGHLAND LAKES (ON WATER) R-2 |
| Legal Range | 01W |
| Legal Township | 19S |
| Legal Section | 04 |
| Legal Subdivision | HIGHLAND LAKES 3RD SECTOR PHASE 4 |
| Legal Lot Number | 378 |
| Jurisdiction | SHELBY AL |
| Township / Civil Division | CHELSEA |
| Census Block Group | 3 |
| Census Block | 3013 |
| Census Tract | 30216 |
Source: Shelby 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 | Individual Name on Record |
|---|---|
| Mailing Address | 1040 WATERSEDGE CIR, BIRMINGHAM, AL 35242-2425 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 15, 2018 | Deed of Trust, Mortgage · ARM METHOD MORTGAGE LLC |
| May 8, 2018 | Grant Deed, Transfer STIFEL BK&TR |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 8, 2018 · Amount on Record |
| Deed Sale | May 8, 2018 · Amount on Record |
| Prior Sale | Oct 5, 2001 · Amount on Record |
| Deed Document Number | 2018156950 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHELBY AL |
| Property Address | 1040 WATERSEDGE CIR, BIRMINGHAM, AL 35242-2425 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000085290 |
|---|---|
| Date | Mar 15, 2018 |
| Instrument | 20180315000085290 |
| Name | METHOD MORTGAGE LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | BIRMINGHAM, AL 35216 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.37% |
| Type Change Date | Apr 1, 2025 |
| Change Frequency | Annually |
| Min Rate At Change | 3.25% |
| Max Rate At Change | 9.37% |
| Index | 1-Year LIBOR |
| Max Rate | 9.37% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SHELBY AL |
| Recording Date | May 8, 2018 |
| Property Address | 1040 WATERSEDGE CIR, BIRMINGHAM, AL 35242-2425 |
| Document Number | 0000156950 |
| Instrument Date | May 7, 2018 |
| Instrument | 156950 |
| Transaction Type | Transfer |
| Record Updated | Jan 12, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $912.50 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1040 WATERSEDGE CIR BIRMINGHAM AL 352422425, BIRMINGHAM, AL 35242-2425 |
| Document Number | 156960 |
|---|---|
| Date | May 8, 2018 |
| Instrument | 156960 |
| Name | STIFEL BK&TR |
|---|---|
| Type | Bank |
| Address | ST LOUIS, MO 63141 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | May 7, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.25% |
Source: Shelby County assessment roll, as of April 21, 2026
| Type | Name |
|---|---|
| State | Alabama |
| County | Shelby County |
| Unified School District | Shelby County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,940.00 (-0.2%) Homeowner's exemption | ||
| 2025 | $4,950.00 (+9.68%) | $112,520 (+8.71%) | $1,125,030 (+8.71%) Land $150,000 Building $975,030 |
| 2023 | $4,513.00 Homeowner's exemption | $103,500 | $1,034,880 Land $150,000 Building $884,880 |
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.
Source: FEMA National Flood Hazard Layer, effective January 23, 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 |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 11 (1995–2020) |
| Claims Outside the SFHA | 3 of 11 |
| Most Recent Claim | Feb 2020 · other causes |
| Claims by Event |
|
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.
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 | 0.05% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CENTRAL ALABAMA WATER serves 653,322 people · EPA ID AL0000738 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Mar 2025 |
| Lead | 1 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 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.
Source: FCC Broadband Data Collection, based on 219 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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