Lauderdale County property record for 105 Michael Ct, Florence, AL 35630
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,900 sqft · built 1990 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on File |
| Last Sale | $170,000 (Jan 2021) |
| Tax Bill | $1,199 (2025) |
| Deeds & Mortgages | Aug 2023 Mortgage Mar 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-07-35-4-002-048-068 |
| Primary APN | 15-07-35-4-002-048-068 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,900 sqft Living Area |
| 1st Floor Area | 1,900 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Exterior Material | Brick |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 145 ft deep x 60 ft wide |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 99775 |
|---|---|
| Street Address | 105 MICHAEL CT |
| City | FLORENCE |
| State | AL |
| Zip | 35630-6719 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 |
| Legal Description | 60 X 145.67 CEDARS TOWNHOMES LOTS 99-146 LOT 114 .20 AC/C SEC 35 T2S R11W PB 6 PG 29 |
| Legal Range | 11W |
| Legal Township | 02S |
| Legal Section | 35 |
| Legal Subdivision | CEDARS TOWNHOMES LOTS 99-146 |
| Legal Lot Number | 99-146 146 |
| Jurisdiction | LAUDERDALE AL |
| Township / Civil Division | FLORENCE |
| Census Block Group | 3 |
| Census Block | 3024 |
| Census Tract | 10902 |
105 Michael Ct 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 |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 105 MICHAEL CT, FLORENCE, AL 35630-6719 |
| 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 |
|---|---|
| Aug 17, 2023 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Mar 15, 2022 | Deed of Trust, Mortgage HUD |
| Jan 8, 2021 | Survivorship Deed, Transfer · FHA Mortgage QUICKEN LOANS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 8, 2021 · Amount on File |
| Deed Sale | Jan 8, 2021 · Amount on File |
| Deed Document Number | 0020211509 |
| Deed Book / Page | 2021 / 1509 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAUDERDALE AL |
| Property Address | 105 MICHAEL CT, FLORENCE, AL 35630-6719 |
| Transaction Type | Mortgage |
| Record Updated | Sep 20, 2023 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 2023/34263 |
|---|---|
| Date | Aug 17, 2023 |
| Book Page | 2023/34263 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAUDERDALE AL |
| Property Address | 105 MICHAEL CT, FLORENCE, AL 35630-6719 |
| Transaction Type | Mortgage |
| Record Updated | Mar 30, 2022 |
| Name | Verified Name |
|---|
| Document Number | 2022/13533 |
|---|---|
| Date | Mar 15, 2022 |
| Book Page | 2022/13533 |
| Name | HUD |
|---|---|
| Type | Government Agency |
| Amount | Amount on Record |
|---|---|
| Term | 348 Months |
| Due | Feb 1, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Survivorship Deed |
|---|---|
| Jurisdiction | LAUDERDALE AL |
| Recording Date | Jan 8, 2021 |
| Property Address | 105 MICHAEL CT, FLORENCE, AL 35630-6719 |
| Document Number | 2021/1509 |
| Book / Page | 2021 / 1509 |
| Map Reference | MB 6 PG 29 |
| Instrument Date | Jan 7, 2021 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 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 | 243 WOODCREST DR, 243, FLORENCE, AL 35630-6671 |
| Name | Verified Name |
|---|---|
| Address | 105 MICHAEL CT, FLORENCE, AL 35630-6719 |
| Investor | Possibly a Property Investor |
| Document Number | 202101511202101511 |
|---|---|
| Date | Jan 8, 2021 |
| Instrument | 2021/01511202101511 |
| Name | QUICKEN LOANS INC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 105 Michael Ct was $1,199 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 | $1,199.00 Homeowner's exemption | $25,800 | $257,980 Land $22,900 Building $235,080 |
| 2023 | $1,104.00 (+20.66%) Homeowner's exemption | $2,100 (-89.5%) Land $2,100 | $238,660 (+19.33%) Land $21,000 Building $217,660 |
| 2022 | $915.00 Homeowner's exemption | $20,000 | $200,000 Land $21,800 Building $178,200 |
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 Michael Ct 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 Michael Ct is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 98.4% of Alabama |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 311 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
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