Mobile County property record for 108 Charles St, Mobile, AL 36604
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,109 sqft · built 1915 |
| Lot Size | 0.143 acres (6,253 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,159 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Jul 2023 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R02290639000406701 |
| Primary APN | R02290639000406701 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,109 sqft Living Area |
| 1st Floor Area | 2,109 sqft |
| Flooring | Wood |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1915 |
|---|---|
| Effective Year Built | Effective 1989 |
| Exterior Material | Stucco |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 6,253 sqft (0.143 acres) |
| Porch | Slab |
|---|---|
| Porch Area | 537 sqft |
| Deck Area | 150 sqft |
| Patio Area | 150 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 731499 |
|---|---|
| Street Address | 108 CHARLES ST |
| City | MOBILE |
| State | AL |
| Zip | 36604-3010 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BEG AT THE NW INTERSEC OF CHURCH ST & CHARLES ST RUN TH WLY ALG N/RW/L OF CHURCH ST 100.7 FT TO A PT TH WITH AN INT ANG OF 90 |
| Legal Range | 04S |
| Legal Township | 04S |
| Legal Section | 39 |
| Legal Subdivision | WASHINGTONOAKLEIGH |
| Jurisdiction | MOBILE AL |
| Township / Civil Division | MOBILE |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 1001 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Oakleigh Garden Historic District listed 1972 · 104 contributing resources · NRIS 72000171 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
108 Charles St is owned and occupied by two individuals who acquired it in August 2018.
Source: Mobile County records, as of September 15, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 108 CHARLES ST, MOBILE, AL 36604-3010 |
| 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.
| Date | Document |
|---|---|
| Jul 16, 2026 | Deed of Trust, Mortgage · Conventional Mortgage MILEND INC |
| Jul 11, 2023 | Deed of Trust, Mortgage · Conventional Mortgage ZILLOW HOME LOANS LLC |
| Sep 26, 2018 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Aug 20, 2018 |
| Transfer Doc | 0000055897 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MOBILE AL |
| Recording Date | Jul 16, 2026 |
| Property Address | 108 CHARLES ST, MOBILE, AL 36604-3010 |
| Document Number | 0000042644 |
| Instrument Date | Jun 30, 2026 |
| Instrument | 202642644 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 108 CHARLES ST, MOBILE, AL 36604-3010 |
| Document Number | 0000042644, |
|---|---|
| Date | Jul 16, 2026 |
| Instrument | 202642644 |
| Name | MILEND INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.48% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MOBILE AL |
| Property Address | 108 CHARLES ST, MOBILE, AL 36604-3010 |
| Transaction Type | Mortgage |
| Record Updated | Jul 26, 2023 |
| Title Company | BOSTON NATIONAL TITLE AGENCY |
| Name | Verified Name |
|---|---|
| Address | 108 CHARLES ST, MOBILE, AL 36604-3010 |
| Document Number | 0000041050 |
|---|---|
| Date | Jul 11, 2023 |
| Instrument | 2023041050 |
| Name | ZILLOW HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92612 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MOBILE AL |
| Recording Date | Sep 26, 2018 |
| Property Address | 108 CHARLES ST, MOBILE, AL 36604-3010 |
| Document Number | 0000055897 |
| Book / Page | 007684 / 001410 |
| Instrument Date | Aug 20, 2018 |
| Instrument | 55897 |
| Transaction Type | Transfer |
| Record Updated | Feb 28, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $106.50 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 108 CHARLES ST MOBILE AL 366043010, MOBILE, AL 36604-3010 |
The 2025 property tax bill for 108 Charles St was $1,159 with exemptions applied.
Source: Mobile County assessment roll, as of September 15, 2026
| Type | Name |
|---|---|
| State | Alabama |
| County | Mobile County |
| Municipality | Mobile City |
| Unified School District | Mobile County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,159.00 Homeowner's exemption Senior Citizen's exemption | $20,870 (-) Land $3,400 Building $17,470 | $208,700 (-) Land $34,000 Building $174,700 |
| 2024 | $1,159.00 (+7.22%) Homeowner's exemption Senior Citizen's exemption | $20,870 (+6.92%) Land $3,400 Building $17,470 | $208,700 (+6.92%) Land $34,000 Building $174,700 |
| 2023 | $1,081.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed | $19,520 Land $3,400 Building $16,120 | $195,200 Land $34,000 Building $161,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 108 Charles St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1979.
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 | 7 in force |
| Nearby Flood Claims | 4 (1979–2025) |
| Claims Outside the SFHA | 3 of 4 |
| Most Recent Claim | Apr 2025 · rainfall accumulation |
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 risk around 108 Charles St is low, with a 0.03% 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 | 0.03% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 540 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 |
| Verizon Fixed Wireless | 300 / 20 |
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