1075 Harbor Point Ln, Southside (Gadsden), AL 35907 Property Records

Etowah County property record for 1075 Harbor Point Ln, Southside, AL 35907

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,661 sqft · built 2002
Lot Size	0.092 acres (4,030 sqft)
Owner	Individual Name on File
Last Sale	$145,000 (Jul 2018)
Tax Bill	$1,433 (2026)
Deeds & Mortgages	Jun 2021 Sale & Mortgage Jul 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`21-03-05-0-001-016.010`

Property Details

APN / Parcel Number

Primary APN	`21-03-05-0-001-016.010`
Alternative APNs	`254383` `80569`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,661 sqft Living Area
1st Floor Area	1,184 sqft
2nd Floor Area	1,477 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Fiber Cement Siding
Foundation Type	Brick
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	4,030 sqft (0.092 acres)
Lot Dimensions	62 ft deep x 65 ft wide
Loading Dock	320 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	254383
Street Address	1075 HARBOR POINT LN
City	GADSDEN
State	AL
Zip	35907-0476
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	H/S BASE YEAR - PT LTS 8 & 9 HARBOR POINT SUB PLAT K-104 DESC AS BEG AT NE COR LT 8 TH SE 52.07 TH NE 5.14 TH SE 7.45 TH SW ALNG 509 COUNTOUR 57.69 T H NW9.69 TH W 6.64 TH NW 48.91 TH NE ALNG ROW HARBOR POINT LN 65.62 TO POB 5-13-6 D-2000-3761,D-2003
Legal Range	6E
Legal Township	13S
Legal Section	5
Legal Subdivision	HARBOR POINT SUB
Legal Lot Number	8-9
Jurisdiction	ETOWAH AL
Township / Civil Division	GADSDEN
Census Block Group	1
Census Block	1002
Census Tract	10504

Owner

1075 Harbor Point Ln is owned and occupied by an individual who bought it in July 2018.

Source: Etowah County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	1075 HARBOR POINT LN, GADSDEN, AL 35907-0476
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
Jun 14, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jul 16, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 16, 2018 · Amount on File
Deed Sale	Jul 16, 2018 · Amount on File
Deed Document Number	20183470704
Record Updated	Oct 29, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ETOWAH AL
Recording Date	Jun 14, 2021
Property Address	1075 HARBOR POINT LN, SOUTHSIDE, AL 35907-0476
Document Number	0003522363
Instrument Date	Jun 10, 2021
Instrument	3522363
Transaction Type	Transfer
Record Updated	Nov 4, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$99.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1689 BEECH HOLLOW LN, SOUTHSIDE, AL 35907-7241

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1075 HARBOR POINT LN, SOUTHSIDE, AL 35907-0476

Mortgage

Document Number	0003522364
Date	Jun 14, 2021
Instrument	3522364

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	1 Months
Due	Jul 1, 2021

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ETOWAH AL
Recording Date	Jul 16, 2018
Property Address	1075 HARBOR POINT LN, SOUTHSIDE, AL 35907-0476
Document Number	3470704
Instrument Date	Jul 13, 2018
Instrument	3470704
Transaction Type	Transfer
Record Updated	Sep 13, 2021

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5220 MOUNTAIN TOP DR, 5220, SOUTHSIDE, AL 35907-5452

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5220 MOUNTAIN TOP DR, SOUTHSIDE, AL 35907-5452

Tax Assessment & Valuation

The 2026 property tax bill for 1075 Harbor Point Ln was $1,433 with a homeowner's exemption, down 15.7% from the year before.

Source: Etowah County assessment roll, as of June 23, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,433.00 (-15.66%) Homeowner's exemption
2025	$1,699.00 Homeowner's exemption	$42,640 Land $7,000 Building $35,640	$426,300 Land $70,000 Building $356,300
2023	$1,699.00 (+19.99%) Homeowner's exemption	$42,630 (+19.31%) Land $7,000 Building $35,630	$426,300 (+19.31%) Land $70,000 Building $356,300
2022	$1,416.00 Homeowner's exemption	$35,730 Land $7,000 Building $28,730	$357,300 Land $70,000 Building $287,300

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 1075 Harbor Point Ln in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective March 21, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 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 1075 Harbor Point Ln 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 94% of the US · lower than 98.4% 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	SOUTHSIDE WATER WORKS AND SEWER BOARD serves 12,327 people · EPA ID AL0000591
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	1 ppb (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	1 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 120 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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