106 Charing Cross, Florence, AL 35633 Property Records

Lauderdale County property record for 106 Charing Cross, Florence, AL 35633

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,244 sqft · built 1993
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on File
Last Sale	$265,000 (May 2023)
Tax Bill	$3,054 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-08-28-4-001-025-058`

Property Details

APN / Parcel Number

Primary APN	`15-08-28-4-001-025-058`
Alternative APNs	`080209` `106307` `18176` `80209`

Interior

Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,244 sqft Living Area
1st Floor Area	2,244 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1993
Exterior Material	Brick
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	12,197 sqft (0.28 acres)
Lot Dimensions	124 ft deep x 100 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	106307
Street Address	106 CHARING CROSS
City	FLORENCE
State	AL
Zip	35633-1594
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02
Legal Description	100.86 X 128.42 HEATHROW PLACE ADD #2 LOT 50 SEC 28 T2S R11W PB 6 PG 105 .28 AC/C
Legal Range	11W
Legal Township	02S
Legal Section	28
Legal Subdivision	HEATHROW PLACE ADD
Legal Lot Number	50
Jurisdiction	LAUDERDALE AL
Township / Civil Division	FLORENCE
Census Block Group	4
Census Block	4011
Census Tract	11101

Owner

106 Charing Cross is owned and occupied by an individual who bought it in May 2023.

Source: Lauderdale County records, as of November 21, 2025

Owner of Record	Individual Name on File
Mailing Address	106 CHARING CROSS, FLORENCE, AL 35633-1594
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.

Deeds, Mortgages & Sale History

Date	Document
May 3, 2023	Warranty Deed, Transfer · Conventional Mortgage CORNERSTONE FIRST MORTGAGE INC
Oct 14, 2020	Warranty Deed, Transfer · FHA Mortgage TRUSTMARK NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 3, 2023 · Amount on File
Deed Sale	May 3, 2023 · Amount on File
Prior Sale	Oct 14, 2020 · Amount on File
Deed Document Number	0202317351
Deed Book / Page	2023 / 17351
Record Updated	Jun 8, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAUDERDALE AL
Recording Date	May 3, 2023
Property Address	106 CHARING CROSS, FLORENCE, AL 35633-1594
Document Number	2023/17351
Book / Page	2023 / 17351
Map Reference	MB 6 PG 105
Instrument Date	Apr 28, 2023
Transaction Type	Transfer
Record Updated	May 31, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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	1070 COUNTY ROAD 277, FLORENCE, AL 35633-4129

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	106 CHARING CROSS, FLORENCE, AL 35633-1594

Mortgage

Document Number	0202317353
Date	May 3, 2023
Instrument	2023/17353

Lender

Name	CORNERSTONE FIRST MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2053

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAUDERDALE AL
Recording Date	Oct 14, 2020
Property Address	106 CHARING CROSS, FLORENCE, AL 35633-1594
Document Number	2020/56297
Book / Page	2020 / 56297
Map Reference	MB6 PG105
Instrument Date	Oct 13, 2020
Transaction Type	Transfer
Record Updated	May 18, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	410 SUMMERFIELD PL, 410, FLORENCE, AL 35630-7397

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	106 CHARING CROSS, FLORENCE, AL 35633-1594

Mortgage

Document Number	202056299
Date	Oct 14, 2020
Instrument	2020/56299

Lender

Name	TRUSTMARK NATIONAL BANK

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 106 Charing Cross was $3,054.

Source: Lauderdale County assessment roll, as of January 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,054.00	$62,340	$316,300 Land $24,300 Building $292,000
2023	$1,268.00 (+18.28%) Homeowner's exemption	$2,020 (-91.29%) Land $2,020	$271,920 (+17.26%) Land $20,200 Building $251,720
2022	$1,072.00 Homeowner's exemption	$23,200	$231,900 Land $21,900 Building $210,000

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 106 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

Wildfire risk around 106 Charing Cross is low, with 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 80% of the US · lower than 91% of Alabama
Wildfire Likelihood	0.01% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 178 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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