Lauderdale County property record for 109 Charing Cross, Florence, AL 35633
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,364 sqft · built 1993 |
| Lot Size | 0.344 acres (15,000 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,580 (2025) |
| Deeds & Mortgages | Apr 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-08-28-4-001-025-040 |
| Primary APN | 15-08-28-4-001-025-040 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,364 sqft Living Area |
| 1st Floor Area | 1,498 sqft |
| 2nd Floor Area | 866 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Exterior Material | Brick |
| Foundation Type | Block |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 15,000 sqft (0.344 acres) |
| Lot Dimensions | 150 ft deep x 100 ft wide |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 51850 |
|---|---|
| Street Address | 109 CHARING CROSS |
| City | FLORENCE |
| State | AL |
| Zip | 35633-1595 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 |
| Legal Description | 100 X 150 HEATHROW PLACE ADD #2 LOT 32 SEC 28 |
| Legal Range | 11W |
| Legal Township | 02S |
| Legal Section | 28 |
| Legal Subdivision | HEATHROW PLACE ADD |
| Legal Lot Number | 32 |
| Jurisdiction | LAUDERDALE AL |
| Township / Civil Division | FLORENCE |
| Census Block Group | 4 |
| Census Block | 4002 |
| Census Tract | 11101 |
109 Charing Cross is owned and occupied by two individuals.
Source: Lauderdale County records, as of November 21, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 109 CHARING CROSS, FLORENCE, AL 35633-1595 |
| 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 | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAUDERDALE AL |
| Property Address | 109 CHARING CROSS, FLORENCE, AL 35633-1595 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2020/18085 |
|---|---|
| Date | Apr 28, 2020 |
| Book Page | 2020/18085 |
| Name | BANK INDEPENDENT |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | May 1, 2035 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 109 Charing Cross was $1,580 with a homeowner's exemption, up 7.2% from the year before.
Source: Lauderdale County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | Alabama |
| County | Lauderdale County |
| Municipality | Florence City |
| Unified School District | Florence City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,580.00 (+7.19%) Homeowner's exemption | $33,580 (+6.94%) | $340,780 (+8.54%) Land $26,200 Building $314,580 |
| 2024 | $1,474.00 (+7.51%) Homeowner's exemption | $31,400 (+1,340.37%) Land $2,380 Building $29,020 | $313,960 (+7.16%) Land $23,800 Building $290,160 |
| 2023 | $1,371.00 (+18.29%) Homeowner's exemption | $2,180 (-91.27%) Land $2,180 | $292,980 (+17.29%) Land $21,800 Building $271,180 |
| 2022 | $1,159.00 Homeowner's exemption | $24,980 | $249,800 Land $23,600 Building $226,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 109 Charing Cross in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective August 1, 2018
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 109 Charing Cross is low, with a 0.02% 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 | 0.02% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 FLORENCE WATER DEPARTMENT serves 77,766 people · EPA ID AL0000783 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | May 2023 |
| Lead | 3 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| 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 55 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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