1054 McCay Ave, Mobile, AL 36609 Property Records

Mobile County property record for 1054 McCay Ave, Mobile, AL 36609

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,771 sqft · built 1983
Lot Size	0.169 acres (7,384 sqft)
Owner	2 Individual Names on File
Last Sale	$240,000 (May 2024)
Tax Bill	$1,248 (2025)
Deeds & Mortgages	Jan 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R022808283000023009`

Property Details

APN / Parcel Number

Primary APN	`R022808283000023009`
Alternative APNs	`28 08 28 3 000 023.009` `01849432` `1849432`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,771 sqft Living Area
1st Floor Area	1,093 sqft
Upper Floors Area	678 sqft
Utility Room	Utility Room
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 2014
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	7,384 sqft (0.169 acres)

Exterior Amenities

Porch	Slab
Porch Area	153 sqft
Deck Area	91 sqft
Patio Area	91 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1849432
Street Address	1054 MCCAY AVE
City	MOBILE
State	AL
Zip	36609-5140
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 BLK 83 PINEHURST- DELANYS ADD TO SPRING HILL DBK 138 P 118-122 #SEC 28 T4S R2W #MP28 08 28 3 000
Legal Range	04S
Legal Township	04S
Legal Section	28
Legal Subdivision	SPRING HILL
Legal Block	83
Legal Lot Number	3
Jurisdiction	MOBILE AL
Township / Civil Division	TANNER WILLIAMS
Census Block Group	3
Census Block	3027
Census Tract	3704

Owner

1054 McCay Ave is owned and occupied by two individuals who bought it in May 2024.

Source: Mobile County records, as of September 15, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1054 MCCAY AVE, MOBILE, AL 36609-5140
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 16, 2024 · Amount on File
Deed Sale	May 16, 2024 · Amount on File
Prior Sale	Jun 30, 2005 · Amount on File
Deed Document Number	202430232
Record Updated	Oct 29, 2026

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MOBILE AL
Recording Date	Jan 26, 2018
Property Address	1054 MCCAY AVE, MOBILE, AL 36609-5140
Document Number	0000004259
Book / Page	007597 / 001868
Instrument Date	Jan 23, 2018
Instrument	4259
Transaction Type	Transfer
Record Updated	Feb 28, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$98.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1054 MCCAY AVE MOBILE AL 366095140, MOBILE, AL 36609-5140

Mortgage

Document Number	4260
Date	Jan 26, 2018
Book Page	007597/001871
Instrument	4260

Lender

Name	ADVANCE MTG & INV
Type	MERS
Address	SPANISH FORT, AL 36527

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jan 25, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 1054 McCay Ave was $1,248 with a homeowner's exemption, up 56% from the year before.

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	$1,248.00 (+56%) Homeowner's exemption	$20,550 (+52.34%) Land $3,000 Building $17,550	$205,500 (+52.34%) Land $30,000 Building $175,500
2024	$800.00 (+6.67%) Homeowner's exemption	$13,490 (+6.05%) Land $3,000 Building $10,490	$134,900 (+6.05%) Land $30,000 Building $104,900
2023	$750.00 Homeowner's exemption	$12,720 Land $3,000 Building $9,720	$127,200 Land $30,000 Building $97,200

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.

Flood

FEMA maps place 1054 McCay Ave in Zone X, an area of minimal flood risk.

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

Wildfire risk around 1054 McCay Ave is low, with a 0.04% annual chance of 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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