1085 Charest Rd, Somerville, AL 35670 Property Records

Morgan County property record for 1085 Charest Rd, Somerville, AL 35670

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,650 sqft · built 2007
Lot Size	1.78 acres (77,537 sqft)
Owner	Individual Name on File
Tax Bill	$873 (2025)
Deeds & Mortgages	Nov 2007 Mortgage Dec 2008 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`10-02-09-0-000-003.010`

Property Details

APN / Parcel Number

Primary APN	`10-02-09-0-000-003.010`
Alternative APNs	`115773` `65815`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,650 sqft Living Area
1st Floor Area	1,573 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	77,537 sqft (1.78 acres)
Garage Area	1,600 sqft
Parking Spaces	6 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	115773
Street Address	1085 CHAREST RD
City	SOMERVILLE
State	AL
Zip	35670-3321
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM AT CENTER OF N BDRY OF NE1/4 OF NW1/4 SEC 9, T6S, R2W, TH SO 498.36', TH E 40.73' TO E R/W OF CHAREST ROAD & TPOB, TH N A
Legal Range	2W
Legal Township	6S
Legal Section	09
Legal Subdivision	DLI&F CO ADD 01
Jurisdiction	MORGAN AL
Township / Civil Division	SOMERVILLE
Census Block Group	2
Census Block	2006
Census Tract	5405

Owner

Source: Morgan County records · APN 10-02-09-0-000-003.010

Assessment roll updated June 19, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	1085 CHAREST RD, SOMERVILLE, AL 35670-3321
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 07, 2007	Deed of Trust, Mortgage · Conventional Mortgage FIRST EDUCATORS CU
Dec 22, 2008	Deed of Trust, Mortgage HAMILTON MORTGAGE CORP
Jun 25, 2013	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Updated	Sep 20, 2026

November 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN AL
Property Address	1085 CHAREST RD, SOMERVILLE, AL 35670-3321
Transaction Type	Mortgage
Record Updated	Jun 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2007/60242
Date	Nov 07, 2007
Book Page	2007/60242

Lender

Name	FIRST EDUCATORS CU
Address	BIRMINGHAM, AL 35244

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2037

December 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN AL
Property Address	1085 CHAREST RD, SOMERVILLE, AL 35670-3321
Transaction Type	Mortgage
Record Updated	Jun 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2008/50384
Date	Dec 22, 2008
Book Page	2008/50384

Lender

Name	HAMILTON MORTGAGE CORP
Type	Mortgage Company
Address	BIRMINGHAM, AL 35209

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2039

June 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN AL
Property Address	1085 CHAREST RD, SOMERVILLE, AL 35670-3321
Transaction Type	Mortgage
Record Updated	Jun 19, 2026
Title Company	ENTITLE DIRECT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2013/24931
Date	Jun 25, 2013
Book Page	2013/24931

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2043

Tax Assessment & Valuation

Source: Morgan County records · Assessment roll updated June 19, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Alabama
County	Morgan County
Unified School District	Morgan County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$873.00 (-1.02%)	$24,790 (-0.84%) Land $2,450 Building $22,340	$247,900 (-0.84%) Land $24,500 Building $223,400
2024		$25,000 (-0.83%) Land $2,450 Building $22,550	$250,000 (-0.83%) Land $24,500 Building $225,500
2023	$882.00 (+9.57%) Homeowner's exemption	$25,210 (+9.9%) Land $2,450 Building $22,760	$252,100 (+9.9%) Land $24,500 Building $227,600
2022	$805.00 Homeowner's exemption	$22,940 Land $2,230 Building $20,710	$229,400 Land $22,300 Building $207,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of July 4, 2022 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	3 in force

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 91% of Alabama
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
FlashFiber Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 35

Based on FCC filings for 16 locations within half a mile of this property.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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