107 Cotton Ln, Vincent, AL 35178 Property Records

Shelby County property record for 107 Cotton Ln, Vincent, AL 35178

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,903 sqft · built 2003
Lot Size	0.47 acres (20,473 sqft)
Owner	2 Individual Names on Record
Last Sale	$186,000 (Sep 2019)
Tax Bill	$1,117 (2026)
Deeds & Mortgages	May 2022 Mortgage Jul 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`075210001006020`

Property Details

APN / Parcel Number

Primary APN	`075210001006020`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	1,903 sqft Heated Area
1st Floor Area	1,903 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	20,473 sqft (0.47 acres)
Lot Dimensions	170 ft deep x 113 ft wide
Garage Type	Attached
Garage Area	575 sqft
Parking Spaces	2 Parking Spaces
Deck Area	130 sqft
Utility Building	200 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	107 COTTON LN
City	VINCENT
State	AL
Zip	35178-7867
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEC/TWNSHP/RAN 21 19S 02E NBRHD: 09 THE WILLOWS R-1
Legal Range	02E
Legal Township	19S
Legal Section	21
Legal Subdivision	THE WILLOWS PHASE 1
Legal Lot Number	34
Jurisdiction	SHELBY AL
Township / Civil Division	VINCENT
Census Block Group	2
Census Block	2025
Census Tract	30102

Owner

Source: Shelby County records, as of October 20, 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	107 COTTON LN, VINCENT, AL 35178-7867
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 16, 2022	Deed of Trust, Mortgage · VA Mortgage EMORTGAGE FUNDING LLC
Jul 12, 2021	Deed of Trust, Mortgage · VA Mortgage NATIONSTAR MORTGAGE LLC
Sep 27, 2019	Warranty Deed, Transfer · VA Mortgage TJC MORTGAGE INC
Aug 1, 2017	Warranty Deed, Transfer · FHA Mortgage INTERLINC MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 27, 2019 · Amount on Record
Deed Sale	Sep 27, 2019 · Amount on Record
Prior Sale	Aug 1, 2017 · Amount on Record
Deed Document Number	2019353560
Prior Transfer Date	Jul 31, 2017
Prior Transfer Doc	0000275010
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY AL
Property Address	107 COTTON LN, VINCENT, AL 35178-7867
Transaction Type	Mortgage
Record Updated	May 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000199120
Date	May 16, 2022
Instrument	20220516000199120

Lender

Name	EMORTGAGE FUNDING LLC
Address	TROY, MI 48084

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY AL
Property Address	107 COTTON LN, VINCENT, AL 35178-7867
Transaction Type	Mortgage
Record Updated	Jul 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000335560
Date	Jul 12, 2021
Instrument	20210712000335560

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	355 Months
Due	Feb 1, 2051

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHELBY AL
Recording Date	Sep 27, 2019
Property Address	107 COTTON LN, VINCENT, AL 35178-7867
Document Number	0000353560
Map Reference	MB 27 PG 62
Instrument Date	Sep 26, 2019
Instrument	20190927000353560
Transaction Type	Transfer
Record Updated	Jun 1, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Redemption Amount
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1188 FOREST LAKES WAY, 1188, STERRETT, AL 35147-8180

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	107 COTTON LN, VINCENT, AL 35178-7867

Mortgage

Document Number	0000353570
Date	Sep 27, 2019
Instrument	20190927000353570

Lender

Name	TJC MORTGAGE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHELBY AL
Recording Date	Aug 1, 2017
Property Address	107 COTTON LN, VINCENT, AL 35178-7867
Document Number	0000275010
Map Reference	MB27 PG62
Instrument Date	Jul 31, 2017
Instrument	20170801000275010
Transaction Type	Transfer
Record Updated	Jun 1, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	107 COTTON LN, VINCENT, AL 35178-7867

Mortgage

Document Number	0000275020
Date	Aug 1, 2017
Instrument	20170801000275020

Lender

Name	INTERLINC MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2047

Tax Assessment & Valuation

Source: Shelby County assessment roll, as of April 21, 2026

Property Jurisdictions

Type	Name
State	Alabama
County	Shelby County
Municipality	Vincent Town
Unified School District	Shelby County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,117.00 (-4.2%) Homeowner's exemption
2025	$1,166.00 (+15.67%)	$23,800 (+11.11%)	$237,810 (+11.07%) Land $30,000 Building $207,810
2023	$1,008.00	$21,420	$214,100 Land $30,000 Building $184,100

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 January 23, 2026

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 56% of the US · above 70% of Alabama
Wildfire Likelihood	0.2% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 33 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Coosa Valley Technologies Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Cotton Ln

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