1050 McCay Ave, Mobile, AL 36609 Property Records

Mobile County property record for 1050 McCay Ave, Mobile, AL 36609

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,212 sqft · built 1991
Lot Size	0.177 acres (7,748 sqft)
Owner	Individual Name on Record
Last Sale	$247,000 (Apr 2026)
Tax Bill	$3,305 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Apr 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R022808283000023004`

Property Details

APN / Parcel Number

Primary APN	`R022808283000023004`
Alternative APNs	`28 08 28 3 000 023.004` `01849389` `1849389`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,212 sqft Living Area
1st Floor Area	1,534 sqft
Upper Floors Area	678 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 2011
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	7,748 sqft (0.177 acres)

Exterior Amenities

Porch	Slab
Porch Area	144 sqft
Deck Area	Deck Area
Patio Area	216 sqft
Utility Building	144 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1849389
Street Address	1050 MCCAY AVE
City	MOBILE
State	AL
Zip	36609-5140
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 BLK 83 PINEHURST DELANEYS ADD TO SPRINGHILL DBK 138/118-122 #SEC 28 T4S R2W #MP28 08 28 3 000
Legal Range	04S
Legal Township	04S
Legal Section	28
Legal Subdivision	PINEHURST DELANEYS ADD
Legal Block	83
Legal Lot Number	1
Jurisdiction	MOBILE AL
Township / Civil Division	TANNER WILLIAMS
Census Block Group	3
Census Block	3027
Census Tract	3704

Owner

Source: Mobile County records, as of September 15, 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	3400 LLOYDS LN, P3, MOBILE, AL 36693-3863
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2026	Warranty Deed, Transfer · Conventional Mortgage BRYANT BANK
Apr 7, 2017	Deed of Trust, Mortgage · Commercial Mortgage REGIONS BANK
Jun 3, 2021	Warranty Deed, Transfer · VA Mortgage SWBC MORTGAGE CORP
Nov 8, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 20, 2026 · Amount on Record
Deed Sale	Apr 20, 2026 · Amount on Record
Prior Sale	Jun 18, 2024 · Amount on Record
Deed Document Number	202622421
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MOBILE AL
Recording Date	Apr 20, 2026
Property Address	1050 MCCAY AVE, MOBILE, AL 36609-5140
Document Number	0000022421
Instrument Date	Mar 26, 2026
Instrument	2026.22421
Transaction Type	Transfer
Record Updated	May 4, 2026
Title Company	DELTA S TITLE INC, DELTA SOUTH TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$24,947.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000022422,
Date	Apr 20, 2026
Instrument	2026.22422

Lender

Name	BRYANT BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MOBILE AL
Property Address	1050 MCCAY AVE, MOBILE, AL 36609-5140
Transaction Type	Mortgage
Record Updated	Oct 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000019250
Date	Apr 7, 2017
Book Page	7495/1397
Instrument	2017019250

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2032

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MOBILE AL
Recording Date	Jun 3, 2021
Property Address	1050 MCCAY AVE, MOBILE, AL 36609-5140
Document Number	0000035864
Map Reference	MB 138 PG 118-122
Instrument Date	Jun 1, 2021
Instrument	2021035864
Transaction Type	Transfer
Record Updated	Jun 29, 2023

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
Address	1050 MCCAY AVE, MOBILE, AL 36609-5140

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4415 COALDALE DR, FORNEY, TX 75126-3244

Mortgage

Document Number	0000035865
Date	Jun 3, 2021
Instrument	2021035865

Lender

Name	SWBC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MOBILE AL
Recording Date	Nov 8, 2017
Property Address	1050 MCCAY AVE, MOBILE, AL 36609-5140
Document Number	0000063540
Book / Page	007574 / 000656
Instrument Date	Nov 3, 2017
Instrument	63540
Transaction Type	Transfer
Record Updated	Feb 28, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$150.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	1050 MCCAY AVE MOBILE AL 366095140, MOBILE, AL 36609-5140

Tax Assessment & Valuation

Source: Mobile County assessment roll, as of September 15, 2026

Property Jurisdictions

Type	Name
State	Alabama
County	Mobile County
Municipality	Mobile City
Unified School District	Mobile County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,305.00 (+148.87%)	$25,950 (+18.98%) Land $3,000 Building $22,950	$259,500 (+18.98%) Land $30,000 Building $229,500
2024	$1,328.00 (+5.23%) Homeowner's exemption	$21,810 (+5.01%) Land $3,000 Building $18,810	$218,100 (+5.01%) Land $30,000 Building $188,100
2023	$1,262.00 (+3.1%) Homeowner's exemption	$20,770 (+2.97%) Land $3,000 Building $17,770	$207,700 (+2.97%) Land $30,000 Building $177,700
2022	$1,224.00 Homeowner's exemption	$20,170 Land $3,000 Building $17,170	$201,700 Land $30,000 Building $171,700

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 October 1, 2025 · 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 10 (0% premium discount)
Nearby Flood Policies	3 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	Low lower than 67% of the US · lower than 85% of Alabama
Wildfire Likelihood	0.04% 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 MOBILE, BD. OF W&S COMM. OF THE serves 279,000 people · EPA ID AL0001005
Water Source	Surface water
Last State Inspection	Sep 2023
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jul 2023
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 631 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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