1050 Bay Dr, Pell City, AL 35128 Property Records

St. Clair County property record for 1050 Bay Dr, Pell City, AL 35128

Property Summary

Property Type	Single Family Home
Details	1 ba · 2,390 sqft · built 1982
Lot Size	2.3 acres (100,188 sqft)
Owner	2 Individual Names on Record
Last Sale	$65,000 (Dec 2023)
Tax Bill	$1,775 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit Mar 2023 Line of Credit + 3 more
Flood Zone	Zone AE (high risk)
APN	`29-09-32-0-001-085.000`

Property Details

APN / Parcel Number

Primary APN	`29-09-32-0-001-085.000`
Alternative APNs	`510147` `34458`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	2,390 sqft Heated Area
1st Floor Area	2,388 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Exterior Material	Stone
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	100,188 sqft (2.3 acres)
Boat Access	Boat Access
Boat House	640 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1050 BAY DR
City	PELL CITY
State	AL
Zip	35128-6974
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 21 SKYLINE SEC 6 A-53-7 32-17-4
Legal Range	04E
Legal Township	17S
Legal Section	32
Legal Subdivision	SKYLINE SUBDIVISION
Legal Lot Number	21
Jurisdiction	ST CLAIR AL
Township / Civil Division	PELL CITY
Census Block Group	1
Census Block	1004
Census Tract	40212

Owner

Source: St. Clair County records, as of April 17, 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	927 CLEMENTS CIR, MOODY, AL 35004-2512
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2026	Deed of Trust, Mortgage · Line of Credit AMERICAS FIRST FCU
Mar 9, 2023	Deed of Trust, Mortgage · Line of Credit METRO BANK
Nov 3, 2021	Deed of Trust, Mortgage CENTRAL STATE BANK
Dec 11, 2020	Survivorship Deed, Transfer · Stand-Alone Refinance METRO BANK
Nov 23, 2020	Deed of Trust, Mortgage METRO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 28, 2023 · Amount on Record
Deed Sale	Dec 28, 2023 · Amount on Record
Prior Sale	Mar 24, 2023 · Amount on Record
Deed Book / Page	2023 / 14962
Record Updated	Jun 8, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR AL
Property Address	1050 BAY DR, PELL CITY, AL 35128-6974
Transaction Type	Mortgage
Record Updated	Feb 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1050 BAY DR, PELL CITY, AL 35128-6974

Mortgage

Document Number	0000003234
Date	Jan 27, 2026
Book Page	MTG2026/3234

Lender

Name	AMERICAS FIRST FCU
Type	Credit Union
Address	1200 4TH AVE N, BIRMINGHAM, AL 35203

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Feb 12, 2036

Interest

Change Frequency	Monthly

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR AL
Property Address	1050 BAY DR, PELL CITY, AL 35128-6974
Transaction Type	Mortgage
Record Updated	Apr 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1050 BAY DR, PELL CITY, AL 35128-6974

Mortgage

Document Number	0000006974
Date	Mar 9, 2023
Book Page	MTG 2023/6974

Lender

Name	METRO BANK
Type	Bank
Address	MOODY, AL 35004

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR AL
Property Address	1050 BAY DR, PELL CITY, AL 35128-6974
Transaction Type	Mortgage
Record Updated	Apr 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1050 BAY DR, PELL CITY, AL 35128-6974

Mortgage

Document Number	0000074211
Date	Nov 3, 2021
Book Page	MTG 2021/74211

Lender

Name	CENTRAL STATE BANK
Type	Bank
Address	CALERA, AL 35040

Agreement

Amount	Amount Recorded

December 2020: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	ST CLAIR AL
Recording Date	Dec 11, 2020
Property Address	1050 BAY DR, PELL CITY, AL 35128-6974
Document Number	0000014650
Book / Page	DEED 2020 / 14650
Map Reference	MB D PG 28
Instrument Date	Nov 26, 2020
Transaction Type	Transfer
Record Updated	Apr 8, 2022

Transaction

Amount	Amount Recorded
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	927 WENUNTS CIRCLE, MOODY, AL 35004
Investor	Possibly a Property Investor

Mortgage

Document Number	MTG202066190
Date	Dec 11, 2020
Instrument	MTG 2020/66190

Lender

Name	METRO BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR AL
Property Address	1050 BAY DR, PELL CITY, AL 35128-6974
Document Number	0000066190
Instrument Date	Nov 23, 2020
Transaction Type	Mortgage
Record Updated	Jan 8, 2021
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	927 CLEMENTS CIR MOODY AL 350042512, MOODY, AL 35004-2512

Mortgage

Document Number	0000066190
Date	Dec 11, 2020
Instrument	66190

Lender

Name	METRO BK
Type	Bank
Address	MOODY, AL 35004

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

Source: St. Clair County assessment roll, as of April 17, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,775.00 (+7.77%)	$44,480 (-46.21%)	$444,790 (+7.58%)
2023		$82,690 Land $36,400 Building $46,290	$413,450 Land $182,000 Building $231,450
2022	$1,647.00

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 10 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	10 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 44% of the US · above 48% of Alabama
Wildfire Likelihood	0.07% 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	CITY OF PELL CITY serves 17,586 people · EPA ID AL0001204
Water Source	Purchased surface water from COOSA VALLEY WATER SUPPLY DISTRICT
Last State Inspection	Jun 2023
Lead	1 ppb (2022–2024) 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 48 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Sparklight Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: Coosa Valley Technologies.

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