109 Providence St, Mobile, AL 36604 Property Records

Mobile County property record for 109 Providence St, Mobile, AL 36604

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,036 sqft · built 1984
Lot Size	0.131 acres (5,711 sqft)
Owner	Individual Name on File
Last Sale	$110,000 (Nov 2020)
Tax Bill	$721 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R022907250006025`

Property Details

APN / Parcel Number

Primary APN	`R022907250006025`
Alternative APNs	`29 07 25 0 006 025.XXX` `00810518` `810518`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,036 sqft Living Area
1st Floor Area	1,036 sqft
Flooring	Tile
Interior Walls	Plaster

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Exterior Material	Other
Construction Type	Frame
Foundation Type	Pier/Post & Beam
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	5,711 sqft (0.131 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Garage Type	Carport
Carport	Carport
Porch	Slab
Porch Area	384 sqft
Deck Area	168 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	810518
Street Address	109 PROVIDENCE ST
City	MOBILE
State	AL
Zip	36604-2247
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 9 PROVIDENCE PLACE DBK 118 P 471 #SEC 25 T4S R1W #MP29 07 25 0 006
Legal Range	04S
Legal Township	04S
Legal Section	25
Legal Subdivision	PROVIDENCE PLACE
Legal Lot Number	9
Jurisdiction	MOBILE AL
Township / Civil Division	MOBILE
Census Block Group	2
Census Block	2005
Census Tract	901

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Lafayette Heights Historic District listed 2014 · 231 contributing resources · NRIS 14001004

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

109 Providence St is owned and occupied by an individual who bought it in November 2020.

Source: Mobile County records, as of October 9, 2026

Owner of Record	Individual Name on File
Mailing Address	109 PROVIDENCE ST, MOBILE, AL 36604-2247
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
Jun 30, 2026	Deed of Trust, Mortgage · Line of Credit UNION FEDERAL CREDIT UNION
Nov 23, 2020	Warranty Deed, Transfer · Conventional Mortgage BANCORPSOUTH BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 23, 2020 · Amount on File
Deed Sale	Nov 23, 2020 · Amount on File
Prior Sale	May 18, 2015 · Amount on File
Deed Document Number	202071552
Prior Transfer Date	Sep 21, 2012
Prior Transfer Doc	0000063722
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MOBILE AL
Recording Date	Jun 30, 2026
Property Address	109 PROVIDENCE ST, MOBILE, AL 36604-2247
Document Number	0000038464
Instrument Date	Jun 25, 2026
Instrument	202638464
Transaction Type	Mortgage
Record Updated	Jul 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 PROVIDENCE ST, MOBILE, AL 36604-2247

Mortgage

Document Number	0000038464,
Date	Jun 30, 2026
Instrument	202638464

Lender

Name	UNION FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate	6.53%
Max Rate	-1%

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MOBILE AL
Recording Date	Nov 23, 2020
Property Address	109 PROVIDENCE ST, MOBILE, AL 36604-2247
Document Number	0000071552
Map Reference	MB 118 PG 471
Instrument Date	Nov 13, 2020
Instrument	2020071552
Transaction Type	Transfer
Record Updated	Jul 15, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9300 VICKERS RD, 9300, SEMMES, AL 36575-4426

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 PROVIDENCE ST, MOBILE, AL 36604-2247

Mortgage

Document Number	0000071553
Date	Nov 23, 2020
Instrument	2020071553

Lender

Name	BANCORPSOUTH BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 109 Providence St was $721 with a homeowner's exemption, down 5.1% from the year before.

Source: Mobile County assessment roll, as of September 15, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$721.00 (-5.13%) Homeowner's exemption	$12,240 (+3.64%) Land $2,630 Building $9,610	$122,400 (+3.64%) Land $26,300 Building $96,100
2024	$760.00 (-42.03%)	$11,810 (+15.22%) Land $2,700 Building $9,110	$118,100 (+15.22%) Land $27,000 Building $91,100
2023	$1,311.00	$10,250 Land $2,210 Building $8,040	$102,500 Land $22,100 Building $80,400

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 Providence St in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective October 1, 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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	5 (1979–2012)
Claims Outside the SFHA	2 of 5
Most Recent Claim	Aug 2012 · Hurricane Isaac

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 Providence St 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 96% of the US · lower than 99% of Alabama
Wildfire Likelihood	0.02% 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	CITY OF MOBILE, BD. OF W&S COMM. OF THE serves 279,000 people · EPA ID AL0001005
Water Source	Surface water
Last State Inspection	Sep 2023
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jul 2023
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 414 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

May also be available: Verizon.

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