Shelby County property record for 109 Gardner St, Montevallo, AL 35115
| Property Type | Townhouse |
|---|---|
| Details | 1.5 ba · 1,054 sqft · built 1990 |
| Lot Size | 0.034 acres (1,514 sqft) |
| Owner | Individual Name on File |
| Last Sale | $76,900 (Jul 2007) |
| Tax Bill | $1,212 (2026) |
| Deeds & Mortgages | Nov 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 362032201034006 |
| Primary APN | 362032201034006 |
|---|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,054 sqft Heated Area |
| 1st Floor Area | 510 sqft |
| Upper Floors Area | 544 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Townhouse |
| Exterior Material | Wood |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 1,514 sqft (0.034 acres) |
| Lot Dimensions | 86.6 ft deep x 17.5 ft wide |
| Porch | Slab |
| Utility Building | 24 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 109 GARDNER ST |
|---|---|
| City | MONTEVALLO |
| State | AL |
| Zip | 35115-4225 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Legal Description | SEC/TWNSHP/RAN 3 24N 12E NBRHD: 07 MONTEVALLO TOWNHOMES R-2 |
| Legal Range | 12E |
| Legal Township | 24N |
| Legal Section | 03 |
| Legal Subdivision | SHAW VILLAS PHASE 1 |
| Legal Lot Number | 4 |
| Jurisdiction | SHELBY AL |
| Township / Civil Division | MONTEVALLO |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 30405 |
109 Gardner St, a townhouse, is owned by an individual who bought it in July 2007.
Source: Shelby County records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 125 GARDNER ST, MONTEVALLO, AL 35115-4225 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 31, 2007 · Amount on File |
| Deed Sale | Jul 31, 2007 · Amount on File |
| Prior Sale | Jul 7, 2004 · Amount on File |
| Deed Document Number | 2007355400 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHELBY AL |
| Property Address | 109 GARDNER ST, MONTEVALLO, AL 35115-4225 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000507980 |
|---|---|
| Date | Nov 6, 2020 |
| Instrument | 20201106000507980 |
| Name | TRUSTMARK NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | MONTEVALLO, AL 35115 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 179 Months |
| Due | Oct 5, 2035 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2026 property tax bill for 109 Gardner St was $1,212, up 1.3% from the year before.
Source: Shelby County assessment roll, as of April 21, 2026
| Type | Name |
|---|---|
| State | Alabama |
| County | Shelby County |
| Municipality | Montevallo City |
| Unified School District | Shelby County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,212.00 (+1.34%) | ||
| 2025 | $1,196.00 | $23,460 | $117,300 Land $38,500 Building $78,800 |
| 2023 | $463.00 | $9,900 | $99,000 Land $30,000 Building $69,000 |
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 Gardner St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective January 23, 2026
| 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 Gardner St is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · lower than 81% of Alabama |
|---|---|
| Wildfire Likelihood | 0.05% 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 | MONTEVALLO WATER WORKS & SEWER BOARD serves 10,746 people · EPA ID AL0001160 |
|---|---|
| Water Source | Groundwater influenced by surface water |
| Last State Inspection | Dec 2025 |
| Lead | 2 ppb (2023–2025) action level 15 ppb |
| Water Quality | Failure to filter currently in violation since Aug 2021 |
|---|---|
| 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 68 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| 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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