1044 Cole Cir, Birmingham, AL 35242 Property Records

Shelby County property record for 1044 Cole Cir, Birmingham, AL 35242

Property Summary

Property Type	Single Family Home
Details	3 ba · 4,270 sqft · built 1995
Lot Size	0.53 acres (23,087 sqft)
Owner	Individual Name on Record
Last Sale	$560,000 (Sep 2022)
Tax Bill	$2,549 (2026)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Mar 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`093070006013000`

Property Details

APN / Parcel Number

Primary APN	`093070006013000`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	4,270 sqft Heated Area
1st Floor Area	2,017 sqft
Upper Floors Area	1,412 sqft
Basement Area	726 sqft
Finished Basement	1,291 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	EIFS / Synthetic Stucco
Foundation Type	Retaining Wall
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	23,087 sqft (0.53 acres)
Lot Dimensions	210 ft deep x 54.7 ft wide
Garage Type	Basement
Pool Area	1 sqft
Porch	Patio
Deck Area	108 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1044 COLE CIR
City	BIRMINGHAM
State	AL
Zip	35242-4926
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEC/TWNSHP/RAN 7 19S 01W NBRHD: 01 EAGLE POINT R-2
Legal Range	01W
Legal Township	19S
Legal Section	07
Legal Subdivision	EAGLE POINT 5TH SECTOR
Legal Lot Number	513
Jurisdiction	SHELBY AL
Township / Civil Division	ALABASTER-HELENA
Census Block Group	3
Census Block	3029
Census Tract	30348

Owner

Source: Shelby County records, as of October 20, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	1044 COLE CIR, BIRMINGHAM, AL 35242-4926
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2022	Warranty Deed, Transfer · Conventional Mortgage HOMETOWN LENDERS INC
Mar 1, 2021	Warranty Deed, Transfer · Conventional Mortgage SOUTHPOINT BANK
Oct 18, 2019	Deed of Trust, Mortgage · Line of Credit COMMERCEONE BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 16, 2022 · Amount on Record
Deed Sale	Sep 16, 2022 · Amount on Record
Prior Sale	Mar 1, 2021 · Amount on Record
Deed Document Number	2022358850
Prior Transfer Date	Nov 1, 2010
Prior Transfer Doc	0000364170
Record Updated	Oct 29, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHELBY AL
Recording Date	Sep 16, 2022
Property Address	1044 COLE CIR, BIRMINGHAM, AL 35242-4926
Document Number	0000358850
Map Reference	MB 18 PG 138
Instrument Date	Sep 13, 2022
Instrument	20220916000358850
Transaction Type	Transfer
Record Updated	Sep 23, 2022

Transaction

Amount	Amount Recorded
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	3801 IVERMAN CLIFF, 3801, BIRMINGHAM, AL 35242

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1044 COLE CIR, BIRMINGHAM, AL 35242-4926

Mortgage

Document Number	0000358860
Date	Sep 16, 2022
Instrument	20220916000358860

Lender

Name	HOMETOWN LENDERS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHELBY AL
Recording Date	Mar 1, 2021
Property Address	1044 COLE CIR, BIRMINGHAM, AL 35242-4926
Document Number	0000100820
Map Reference	MB 18 PG 138
Instrument Date	Feb 26, 2021
Instrument	20210301000100820
Transaction Type	Transfer
Record Updated	Sep 17, 2021

Transaction

Amount	Amount Recorded
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	320 STONEGATE DR, 320, BIRMINGHAM, AL 35242-7071

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1044 COLE CIR, BIRMINGHAM, AL 35242-4926

Mortgage

Document Number	0000100830
Date	Mar 1, 2021
Instrument	20210301000100830

Lender

Name	SOUTHPOINT BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY AL
Property Address	1044 COLE CIR, BIRMINGHAM, AL 35242-4926
Document Number	0000430620
Instrument Date	Oct 18, 2019
Transaction Type	Mortgage
Record Updated	Dec 5, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1044 COLE CIR BIRMINGHAM AL 352424926, BIRMINGHAM, AL 35242-4926

Mortgage

Document Number	0000430620
Date	Nov 19, 2019
Instrument	430620

Lender

Name	COMMERCEONE BK
Address	BIRMINGHAM, AL 35209

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Nov 18, 2029

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Shelby County assessment roll, as of April 21, 2026

Property Jurisdictions

Type	Name
State	Alabama
County	Shelby County
Unified School District	Shelby County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,549.00 (-0.08%) Homeowner's exemption
2025	$2,551.00 (+8.09%)	$57,980 (+6.23%)	$579,690 (+6.21%) Land $120,000 Building $459,690
2023	$2,360.00 Homeowner's exemption	$54,580	$545,790 Land $100,000 Building $445,790

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 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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	4 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	Moderate above 46% of the US · above 51% of Alabama
Wildfire Likelihood	0.08% 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 129 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Verizon.

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