Lauderdale County property record for 105 Charing Cross, Florence, AL 35633
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,672 sqft · built 1992 |
| Lot Size | 0.38 acres (16,553 sqft) |
| Owner | Individual Name on File |
| Last Sale | $305,900 (Jan 2021) |
| Tax Bill | $1,835 (2025) |
| Deeds & Mortgages | Nov 2023 Mortgage Nov 2022 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-08-28-4-001-025-038 |
| Primary APN | 15-08-28-4-001-025-038 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,672 sqft Living Area |
| 1st Floor Area | 2,672 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Exterior Material | Brick |
| Foundation Type | Retaining Wall |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 16,553 sqft (0.38 acres) |
| Lot Dimensions | 150 ft deep x 112 ft wide |
| Pool Type | In-Ground Vinyl Pool |
| Pool Area | 648 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 98927 |
|---|---|
| Street Address | 105 CHARING CROSS |
| City | FLORENCE |
| State | AL |
| Zip | 35633-1595 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 |
| Legal Description | 112 X 150 HEATHROW PLACE ADD 2 LOT 30 .38 AC/C SEC 28 T2S R11W PB 6 PG 105 |
| Legal Range | 11W |
| Legal Township | 02S |
| Legal Section | 28 |
| Legal Subdivision | HEATHROW PLACE ADD |
| Legal Lot Number | 30 |
| Jurisdiction | LAUDERDALE AL |
| Township / Civil Division | FLORENCE |
| Census Block Group | 4 |
| Census Block | 4002 |
| Census Tract | 11101 |
105 Charing Cross is owned and occupied by an individual who bought it in January 2021.
Source: Lauderdale County records, as of November 21, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 105 CHARING CROSS, FLORENCE, AL 35633-1595 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 30, 2023 | Deed of Trust, Mortgage · FHA Mortgage HUD |
| Nov 22, 2022 | Deed of Trust, Mortgage HUD |
| Jan 20, 2021 | Warranty Deed, Transfer · FHA Mortgage QUICKEN LOANS INC |
| Oct 21, 2019 | Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS INC |
| Jan 14, 2019 | Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 20, 2021 · Amount on File |
| Deed Sale | Jan 20, 2021 · Amount on File |
| Prior Sale | Aug 17, 2015 · Amount on File |
| Deed Document Number | 0020213319 |
| Deed Book / Page | 2021 / 3319 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAUDERDALE AL |
| Property Address | 105 CHARING CROSS, FLORENCE, AL 35633-1595 |
| Transaction Type | Mortgage |
| Record Updated | Dec 20, 2023 |
| Name | Verified Name |
|---|
| Document Number | 2023/49597 |
|---|---|
| Date | Nov 30, 2023 |
| Book Page | 2023/49597 |
| Name | HUD |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 336 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAUDERDALE AL |
| Property Address | 105 CHARING CROSS, FLORENCE, AL 35633-1595 |
| Transaction Type | Mortgage |
| Record Updated | Dec 14, 2022 |
| Name | Verified Name |
|---|
| Document Number | 2022/61065 |
|---|---|
| Date | Nov 22, 2022 |
| Book Page | 2022/61065 |
| Name | HUD |
|---|---|
| Type | Government Agency |
| Amount | Amount on Record |
|---|---|
| Term | 348 Months |
| Due | Feb 1, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAUDERDALE AL |
| Recording Date | Jan 20, 2021 |
| Property Address | 105 CHARING CROSS, FLORENCE, AL 35633-1595 |
| Document Number | 2021/3319 |
| Book / Page | 2021 / 3319 |
| Map Reference | MB 6 PG 105 |
| Instrument Date | Jan 8, 2021 |
| Transaction Type | Transfer |
| Record Updated | May 18, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1504 JACOBS CREEK CIR, 1504, FAYETTEVILLE, NC 28306 |
| Name | Verified Name |
|---|---|
| Address | 105 CHARING CROSS, FLORENCE, AL 35633-1595 |
| Document Number | 202103321202103321 |
|---|---|
| Date | Jan 20, 2021 |
| Instrument | 2021/03321202103321 |
| Name | QUICKEN LOANS INC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAUDERDALE AL |
| Property Address | 105 CHARING CROSS, FLORENCE, AL 35633-1595 |
| Transaction Type | Mortgage |
| Record Updated | Nov 12, 2019 |
| Name | Verified Name |
|---|
| Document Number | 2019/45252 |
|---|---|
| Date | Oct 21, 2019 |
| Book Page | 2019/45252 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2049 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAUDERDALE AL |
| Property Address | 105 CHARING CROSS, FLORENCE, AL 35633-1595 |
| Transaction Type | Mortgage |
| Record Updated | Mar 21, 2019 |
| Name | Verified Name |
|---|
| Document Number | 2019/1328 |
|---|---|
| Date | Jan 14, 2019 |
| Book Page | 2019/1328 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2049 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 105 Charing Cross was $1,835 with a homeowner's exemption.
Source: Lauderdale County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | Alabama |
| County | Lauderdale County |
| Municipality | Florence City |
| Unified School District | Florence City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,835.00 Homeowner's exemption | $38,780 | $387,840 Land $29,400 Building $358,440 |
| 2023 | $1,593.00 (+21.05%) Homeowner's exemption | $2,460 (-91.27%) Land $2,460 | $338,340 (+20.06%) Land $24,500 Building $313,840 |
| 2022 | $1,316.00 Homeowner's exemption | $28,180 | $281,800 Land $26,400 Building $255,400 |
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.
FEMA maps place 105 Charing Cross in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective August 1, 2018
| 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 risk around 105 Charing Cross is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 91% of Alabama |
|---|---|
| Wildfire Likelihood | 0.02% 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 | CITY OF FLORENCE WATER DEPARTMENT serves 77,766 people · EPA ID AL0000783 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | May 2023 |
| Lead | 3 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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 55 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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