Madison County property record for 108 Downing Rdg, Madison, AL 35758
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,620 sqft · built 1998 |
| Lot Size | 0.447 acres (19,502 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,843 (2026) |
| Deeds & Mortgages | Jun 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-02-04-2-000-028.017 |
| Primary APN | 16-02-04-2-000-028.017 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,620 sqft Living Area |
| 1st Floor Area | 1,620 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 19,502 sqft (0.447 acres) |
| Lot Dimensions | 182 ft deep x 105 ft wide |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 180816 |
|---|---|
| Street Address | 108 DOWNING RDG |
| City | MADISON |
| State | AL |
| Zip | 35758-5602 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 19 BLK 2 WELLINGTON |
| Legal Subdivision | WELLINGTON |
| Legal Block | 2 |
| Legal Lot Number | 19 |
| Jurisdiction | MADISON AL |
| Township / Civil Division | MADISON |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 11025 |
108 Downing Rdg is owned and occupied by two individuals.
Source: Madison County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 108 DOWNING RDG, MADISON, AL 35758-5602 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON AL |
| Recording Date | Jun 25, 2026 |
| Property Address | 108 DOWNING RDG, MADISON, AL 35758-5602 |
| Document Number | 2026136624 |
| Book / Page | 2026 / 136624 |
| Instrument Date | Jun 10, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 108 DOWNING RDG, MADISON, AL 35758-5602 |
| Document Number | 2026136624, |
|---|---|
| Date | Jun 25, 2026 |
| Book Page | 2026/136624 |
| Name | REDSTONE FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 25, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.36% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
The 2026 property tax bill for 108 Downing Rdg was $2,843 with a homeowner's exemption, up 4.6% from the year before.
Source: Madison County assessment roll, as of November 17, 2025
| Type | Name |
|---|---|
| State | Alabama |
| County | Madison County |
| Municipality | Madison City |
| Unified School District | Madison City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,843.00 (+4.56%) | ||
| 2025 | $2,719.00 Homeowner's exemption | $39,680 Land $6,500 Building $33,180 | $396,700 Land $65,000 Building $331,700 |
| 2023 | $2,554.00 (+12.56%) Homeowner's exemption | $37,300 (+12.35%) Land $6,500 Building $30,800 | $373,000 (+12.35%) Land $65,000 Building $308,000 |
| 2022 | $2,269.00 Homeowner's exemption | $33,200 Land $6,500 Building $26,700 | $332,000 Land $65,000 Building $267,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 108 Downing Rdg in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · 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 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 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 risk around 108 Downing Rdg 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 95% of the US · lower than 98.7% of Alabama |
|---|---|
| Wildfire Likelihood | 0.01% 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: FCC Broadband Data Collection, based on 168 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T, Xfinity.
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