109 Cabrio Way, Headland, AL 36345 Property Records

Henry County property record for 109 Cabrio Way, Headland, AL 36345

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,687 sqft · built 2019
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on File
Last Sale	$186,500 (Jan 2020)
Tax Bill	$1,147 (2025)
Deeds & Mortgages	May 2026 Mortgage Jul 2019 Construction Loan + 5 more
Flood Zone	Zone X (minimal risk)
APN	`37-24-02-09-3-000-001.024`

Property Details

APN / Parcel Number

Primary APN	`37-24-02-09-3-000-001.024`
Alternative APN	`32683`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,687 sqft Living Area
1st Floor Area	1,687 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	8,276 sqft (0.19 acres)
Lot Width	1 ft Width
Garage Type	Mixed
Garage Area	420 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	32683
Street Address	109 CABRIO WAY
City	HEADLAND
State	AL
Zip	36345-5205
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACE MANORPLAT BK 3 PG 14LOT 5 BLOCK B
Legal Range	27E
Legal Township	04N
Legal Section	09
Legal Subdivision	TRACE MANOR
Legal Block	B
Legal Lot Number	5
Jurisdiction	HENRY AL
Township / Civil Division	HEADLAND-NEWVILLE
Census Block Group	3
Census Block	3050
Census Tract	30500

Owner

109 Cabrio Way is owned and occupied by two individuals who bought it in January 2020.

Source: Henry County records, as of May 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	109 CABRIO WAY, HEADLAND, AL 36345-5205
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
May 7, 2026	Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT
Jul 29, 2019	Deed of Trust, Mortgage · Construction Mortgage HNB FIRST BANK
Dec 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage AHFA
May 11, 2022	Deed of Trust, Mortgage · Conventional Mortgage HUD
Sep 13, 2022	Deed of Trust, Mortgage · Conventional Mortgage HUD
May 1, 2023	Deed of Trust, Mortgage · Line of Credit HUD
Jan 2, 2020	Warranty Deed, Transfer · Construction Mortgage MORTGAGE INVESTORS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 2, 2020 · Amount on File
Deed Sale	Jan 2, 2020 · Amount on File
Deed Book / Page	234 / 945
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENRY AL
Recording Date	May 7, 2026
Property Address	109 CABRIO WAY, HEADLAND, AL 36345-5205
Document Number	0200094475
Book / Page	715 / 465
Instrument Date	Apr 6, 2026
Instrument	2026200094475
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 CABRIO WAY, HEADLAND, AL 36345-5205
Investor	Possibly a Property Investor

Mortgage

Document Number	0200094475,
Date	May 7, 2026
Book Page	715/465
Instrument	2026200094475

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	307 Months
Due	Dec 1, 2051

Interest

Rate	6%
Max Rate	-1%

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENRY AL
Property Address	109 CABRIO WAY, HEADLAND, AL 36345-5205
Transaction Type	Mortgage
Record Updated	May 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000644/146
Date	Jul 29, 2019
Book Page	644/146

Lender

Name	HNB FIRST BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENRY AL
Property Address	109 CABRIO WAY, HEADLAND, AL 36345-5205
Transaction Type	Mortgage
Record Updated	May 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000659/336
Date	Dec 8, 2020
Book Page	659/336

Lender

Name	AHFA
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENRY AL
Property Address	109 CABRIO WAY, HEADLAND, AL 36345-5205
Transaction Type	Mortgage
Record Updated	May 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000677/549
Date	May 11, 2022
Book Page	677/549

Lender

Name	HUD
Type	Government Agency

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2051

Interest

Rate Type	Fixed Rate

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENRY AL
Property Address	109 CABRIO WAY, HEADLAND, AL 36345-5205
Transaction Type	Mortgage
Record Updated	May 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000680/949
Date	Sep 13, 2022
Book Page	680/949

Lender

Name	HUD
Type	Government Agency

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	348 Months
Due	Dec 1, 2051

Interest

Rate Type	Fixed Rate

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENRY AL
Property Address	109 CABRIO WAY, HEADLAND, AL 36345-5205
Transaction Type	Mortgage
Record Updated	May 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000685/980
Date	May 1, 2023
Book Page	685/980

Lender

Name	HUD
Type	Government Agency

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	336 Months
Due	Dec 1, 2051

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENRY AL
Recording Date	Jan 2, 2020
Property Address	109 CABRIO WAY, HEADLAND, AL 36345-5205
Document Number	000234/945
Book / Page	234 / 945
Instrument Date	Dec 18, 2019
Transaction Type	Transfer
Record Updated	May 30, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 344, HEADLAND, AL 36345-0344

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	107 CLEVELAND ST, HEADLAND, AL 36345-1712

Mortgage

Document Number	0000648/44
Date	Jan 2, 2020
Book Page	648/44

Lender

Name	MORTGAGE INVESTORS INC
Type	Mortgage Company

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	372 Months
Due	Jan 1, 2050

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 109 Cabrio Way was $1,147 with a homeowner's exemption, up 5.4% from the year before.

Source: Henry County assessment roll, as of March 31, 2026

Property Jurisdictions

Type	Name
State	Alabama
County	Henry County
Municipality	Headland City
Unified School District	Henry County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,147.00 (+5.42%)	$55,040 (+5.11%) Land $4,440 Building $50,600	$275,200 (+5.11%) Land $22,200 Building $253,000
2024	$1,088.00 (+7.19%) Homeowner's exemption	$52,365 (+6.91%) Land $4,440 Building $47,925	$261,823 (+6.91%) Land $22,200 Building $239,623
2023	$1,015.00 (+14.56%) Homeowner's exemption	$48,980 (-3.8%) Land $4,440 Building $44,540	$244,902 (-3.8%) Land $22,200 Building $222,702
2022	$886.00 Homeowner's exemption	$50,917 Land $4,440 Building $46,477	$254,584 Land $22,200 Building $232,384

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 109 Cabrio Way in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1990.

Source: FEMA National Flood Hazard Layer, effective September 11, 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
Nearby Flood Policies	1 in force
Nearby Flood Claims	3 (1990–1998)
Most Recent Claim	Mar 1998 · Severe Storms And Flooding

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 109 Cabrio Way 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	None beyond ember reach

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	HEADLAND WATER WORKS serves 6,003 people · EPA ID AL0000664
Water Source	Groundwater
Last State Inspection	Mar 2026
Lead	Under 1 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	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 102 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
WOW Internet, Cable & Phone Fiber	5,000 / 5,000
Brightspeed Fiber	2,000 / 2,000
Xfinity Cable	1,200 / 35

May also be available: Verizon.

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