Shelby County property record for 109 Cambridge Ln, Alabaster, AL 35007
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,841 sqft · built 1994 |
| Lot Size | 0.122 acres (5,344 sqft) |
| Owner | Individual Name on File |
| Last Sale | $139,000 (Nov 2012) |
| Tax Bill | $1,404 (2026) |
| Deeds & Mortgages | Mar 2021 Mortgage Feb 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 232101004048000 |
| Primary APN | 232101004048000 |
|---|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,841 sqft Heated Area |
| 1st Floor Area | 1,083 sqft |
| Upper Floors Area | 758 sqft |
| Basement Area | 1,083 sqft |
| Unfinished Basement | 325 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Exterior Material | Wood |
| Foundation Type | Block |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 5,344 sqft (0.122 acres) |
| Lot Dimensions | 80.9 ft deep x 66.1 ft wide |
| Garage Type | Basement |
| Porch | Slab |
| Deck Area | 196 sqft |
| Utility Building | 64 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 109 CAMBRIDGE LN |
|---|---|
| City | ALABASTER |
| State | AL |
| Zip | 35007-5182 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SEC/TWNSHP/RAN 10 21S 03W NBRHD: 02 SUMMER BROOK R-2 |
| Legal Range | 03W |
| Legal Township | 21S |
| Legal Section | 10 |
| Legal Subdivision | CAMBRIDGE POINTE 2ND SECTOR |
| Legal Lot Number | 48 |
| Jurisdiction | SHELBY AL |
| Township / Civil Division | ALABASTER-HELENA |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 30306 |
109 Cambridge Ln is owned and occupied by an individual who bought it in November 2012.
Source: Shelby County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 109 CAMBRIDGE LN, ALABASTER, AL 35007-5182 |
| 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 |
|---|---|
| Mar 29, 2021 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF VETERANS AFFAIRS |
| Feb 14, 2020 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Feb 14, 2020 | Loan Modification, Mortgage · FHA Mortgage LAKEVIEW LN SERVICING |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 29, 2012 · Amount on File |
| Deed Sale | Nov 29, 2012 · Amount on File |
| Deed Document Number | 2012458020 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHELBY AL |
| Property Address | 109 CAMBRIDGE LN, ALABASTER, AL 35007-5182 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0000155150 |
|---|---|
| Date | Mar 29, 2021 |
| Instrument | 20210329000155150 |
| Name | DEPARTMENT OF VETERANS AFFAIRS |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 348 Months |
| Due | Mar 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHELBY AL |
| Property Address | 109 CAMBRIDGE LN, ALABASTER, AL 35007-5182 |
| Document Number | 0000151100 |
| Instrument Date | Feb 14, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 11, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 109 CAMBRIDGE LN ALABASTER AL 350075182, ALABASTER, AL 35007-5182 |
| Document Number | 0000151100 |
|---|---|
| Date | Apr 17, 2020 |
| Instrument | 151100 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 16, 2050 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SHELBY AL |
| Property Address | 109 CAMBRIDGE LN, ALABASTER, AL 35007-5182 |
| Document Number | 0000151090 |
| Instrument Date | Feb 14, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 11, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 109 CAMBRIDGE LN ALABASTER AL 350075182, ALABASTER, AL 35007-5182 |
| Document Number | 0000151090 |
|---|---|
| Date | Apr 17, 2020 |
| Instrument | 151090 |
| Name | LAKEVIEW LN SERVICING |
|---|---|
| Type | Funding / Finance Company |
| Address | CORAL GABLES, FL 33146 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 16, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4% |
The 2026 property tax bill for 109 Cambridge Ln was $1,404 with a homeowner's exemption, up 0.6% from the year before.
Source: Shelby County assessment roll, as of April 21, 2026
| Type | Name |
|---|---|
| State | Alabama |
| Municipality | Alabaster City |
| County | Shelby County |
| Unified School District | Alabaster City School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,404.00 (+0.65%) Homeowner's exemption | ||
| 2025 | $1,395.00 | $25,840 | $258,310 Land $65,000 Building $193,310 |
| 2023 | $1,317.00 Homeowner's exemption | $25,160 | $251,560 Land $65,000 Building $186,560 |
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.
FEMA maps place 109 Cambridge Ln in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective January 23, 2026 · 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 | 8 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 109 Cambridge Ln 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF ALABASTER WATER DEPARTMENT serves 40,986 people · EPA ID AL0001148 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Jul 2023 |
| Lead | 1 ppb (2021–2023) action level 15 ppb |
| Water Quality | Total trihalomethanes not recorded as resolved · Jan 2026 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 310 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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