108 Charing Cross, Florence, AL 35633 Property Records

Lauderdale County property record for 108 Charing Cross, Florence, AL 35633

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,987 sqft · built 1993
Lot Size	0.385 acres (16,780 sqft)
Owner	2 Individual Names on File
Last Sale	$318,000 (Feb 2026)
Tax Bill	$2,939 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Feb 2026 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`15-08-28-4-001-025-057`

Property Details

APN / Parcel Number

Primary APN	`15-08-28-4-001-025-057`
Alternative APNs	`046520` `109630` `30132` `46520`

Interior

Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,987 sqft Living Area
1st Floor Area	1,987 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	16,780 sqft (0.385 acres)
Lot Dimensions	119 ft deep x 140 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	109630
Street Address	108 CHARING CROSS
City	FLORENCE
State	AL
Zip	35633-1594
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	140 X 119.86 HEATHROW PLACE ADD #2 LOT 49 CITY OF FLORENCE SEC 28 T2S R11W
Legal Range	11W
Legal Township	02S
Legal Section	28
Legal Subdivision	CITY OF FLORENCE
Legal Lot Number	49
Jurisdiction	LAUDERDALE AL
Township / Civil Division	FLORENCE
Census Block Group	4
Census Block	4011
Census Tract	11101

Owner

108 Charing Cross is owned and occupied by two individuals who bought it in February 2026.

Source: Lauderdale County records, as of June 30, 2026

Owner of Record	2 Individual Names on File
Mailing Address	108 CHARING CROSS, FLORENCE, AL 35633-1594
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

Date	Document
Feb 5, 2026	Special Warranty Deed, Transfer · Conventional Mortgage ASSURANCE FINANCIAL GROUP LLC
Feb 5, 2026	Survivorship Deed, Transfer · Conventional Mortgage ASSURANCE FINANCIAL GROUP LLC
Feb 5, 2026	Affidavit, Transfer
Feb 5, 2026	Affidavit, Transfer
Mar 10, 2023	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 5, 2026 · Amount on File
Deed Sale	Feb 5, 2026 · Amount on File
Prior Sale	Jul 2, 2024 · Amount on File
Record Updated	Sep 20, 2026

February 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	LAUDERDALE AL
Recording Date	Feb 5, 2026
Property Address	108 CHARING CROSS, FLORENCE, AL 35633-1594
Document Number	02026/5127
Book / Page	2026 / 5127
Map Reference	MB 6 PG 105
Instrument Date	Jan 29, 2026
Transaction Type	Transfer
Record Updated	Feb 25, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	587 COUNTY ROAD 118, FLORENCE, AL 35633-6016

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 CHARING CROSS, FLORENCE, AL 35633-1594

Mortgage

Document Number	0202605136
Date	Feb 5, 2026
Instrument	2026/05136

Lender

Name	ASSURANCE FINANCIAL GROUP LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

February 2026: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	LAUDERDALE AL
Recording Date	Feb 5, 2026
Property Address	108 CHARING CROSS, FLORENCE, AL 35633-1594
Document Number	02026/5134
Book / Page	2026 / 5134
Map Reference	MB 6 PG 105
Instrument Date	Jan 29, 2026
Transaction Type	Transfer
Record Updated	Feb 25, 2026

Transaction

Amount	Amount 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	587 COUNTY ROAD 118, FLORENCE, AL 35633-6016

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 CHARING CROSS, FLORENCE, AL 35633-1594

Mortgage

Document Number	0202605136
Date	Feb 5, 2026
Instrument	2026/05136

Lender

Name	ASSURANCE FINANCIAL GROUP LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Mortgage

Document Number	02026/5136
Date	Feb 5, 2026
Book Page	2026/5136

Lender

Name	ASSURANCE FINANCIAL GROUP LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2056

February 2026: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	LAUDERDALE AL
Recording Date	Feb 5, 2026
Property Address	108 CHARING CROSS, FLORENCE, AL 35633-1594
Document Number	02026/5130
Book / Page	2026 / 5130
Map Reference	MB 6 PG 105
Instrument Date	Jan 20, 2026
Transaction Type	Transfer
Record Updated	Feb 25, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

February 2026: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	LAUDERDALE AL
Recording Date	Feb 5, 2026
Property Address	108 CHARING CROSS, FLORENCE, AL 35633-1594
Document Number	02026/5131
Book / Page	2026 / 5131
Map Reference	MB 6 PG 105
Instrument Date	Jan 20, 2026
Transaction Type	Transfer
Record Updated	Feb 25, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAUDERDALE AL
Recording Date	Mar 10, 2023
Property Address	108 CHARING CROSS, FLORENCE, AL 35633-1594
Document Number	02023/9053
Book / Page	2023 / 9053
Map Reference	MB 6 PG 105
Instrument Date	Mar 9, 2023
Transaction Type	Transfer
Record Updated	Mar 29, 2023

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 CHARING CROSS, FLORENCE, AL 35633-1594

Tax Assessment & Valuation

The 2025 property tax bill for 108 Charing Cross was $2,939.

Source: Lauderdale County assessment roll, as of November 24, 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	$2,939.00	$59,980	$299,920 Land $33,300 Building $266,620
2023	$1,197.00 (+17.12%) Homeowner's exemption	$2,780 (-87.47%) Land $2,780	$257,540 (+16.22%) Land $27,700 Building $229,840
2022	$1,022.00 Homeowner's exemption	$22,180	$221,600 Land $29,900 Building $191,700

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

FEMA maps place 108 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 108 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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