109 Mountain Oaks Dr, Sterrett, AL 35147 Property Records

Shelby County property record for 109 Mountain Oaks Dr, Sterrett, AL 35147

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 4,667 sqft · built 2016
Lot Size	3.17 acres (138,085 sqft)
Owner	Individual Name on Record
Last Sale	$50,000 (Jul 2014)
Tax Bill	$3,429 (2026)
Deeds & Mortgages	Aug 2021 Mortgage Nov 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`095150000008004`

Property Details

APN / Parcel Number

Primary APN	`095150000008004`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	4,667 sqft Heated Area
1st Floor Area	3,410 sqft
Basement Area	1,614 sqft
Finished Basement	1,796 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	138,085 sqft (3.17 acres)
Lot Dimensions	630 ft deep x 226 ft wide
Garage Type	Attached
Garage Area	994 sqft
Parking Spaces	4 Parking Spaces
Pool Area	800 sqft
Porch	Patio
Deck Area	96 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	109 MOUNTAIN OAKS DR
City	STERRETT
State	AL
Zip	35147-8112
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Range	01W
Legal Township	19S
Legal Section	15
Legal Subdivision	MOUNTAIN OAKS
Legal Lot Number	4
Jurisdiction	SHELBY AL
Township / Civil Division	CHELSEA
Census Block Group	2
Census Block	2008
Census Tract	30211

Owner

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 Record
Mailing Address	109 MOUNTAIN OAKS DR, STERRETT, AL 35147-8112
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage TJC MORTGAGE INC
Nov 1, 2019	Deed of Trust, Mortgage · Conventional Mortgage TJC MORTGAGE INC
Jul 3, 2020	Deed of Trust, Mortgage · Line of Credit REGIONS BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 9, 2014 · Amount on Record
Deed Sale	Jul 9, 2014 · Amount on Record
Deed Document Number	2014207500
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY AL
Property Address	109 MOUNTAIN OAKS DR, STERRETT, AL 35147-8112
Transaction Type	Mortgage
Record Updated	Sep 6, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000420450
Date	Aug 30, 2021
Instrument	20210830000420450

Lender

Name	TJC MORTGAGE INC
Type	Mortgage Company
Address	BIRMINGHAM, AL 35243

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY AL
Property Address	109 MOUNTAIN OAKS DR, STERRETT, AL 35147-8112
Transaction Type	Mortgage
Record Updated	Jun 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000405980
Date	Nov 1, 2019
Instrument	20191101000405980

Lender

Name	TJC MORTGAGE INC
Type	Mortgage Company
Address	BIRMINGHAM, AL 35243

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2049

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY AL
Property Address	109 MOUNTAIN OAKS DR, STERRETT, AL 35147-8112
Document Number	0000300660
Instrument Date	Jul 3, 2020
Transaction Type	Mortgage
Record Updated	Aug 28, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	109 MOUNTAIN OAKS DR STERRETT AL 351478112, STERRETT, AL 35147-8112

Mortgage

Document Number	0000300660
Date	Jul 20, 2020
Instrument	300660

Lender

Name	REGIONS BK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 19, 2050

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Shelby County assessment roll, as of April 21, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,429.00 (-2.36%) Homeowner's exemption
2025	$3,512.00 (+16.64%)	$79,820 (+15.05%)	$798,140 (+15.06%) Land $91,830 Building $706,310
2023	$3,011.00	$69,380	$693,690 Land $62,480 Building $631,210

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

Flood

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 55% of the US · above 68% of Alabama
Wildfire Likelihood	0.2% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 84 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 / 35
Starlink Satellite	280 / 30

Cell Coverage

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

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