Madison County property record for 109 Veranda Dr, Madison, AL 35758
| Property Type | Single Family Home |
|---|---|
| Details | 4 ba · 1,485 sqft · built 2003 |
| Lot Size | 0.43 acres (18,774 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $496,000 (Mar 2019) |
| Deeds & Mortgages | Oct 2021 Line of Credit May 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-08-33-4-002-052.000 |
| Primary APN | 15-08-33-4-002-052.000 |
|---|---|
| Alternative APN |
|
| Full Baths | 4 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,485 sqft Living Area |
| 1st Floor Area | 1,485 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Retaining Wall |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 18,774 sqft (0.43 acres) |
| Lot Dimensions | 169 ft deep x 111 ft wide |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 487393 |
|---|---|
| Street Address | 109 VERANDA DR |
| City | MADISON |
| State | AL |
| Zip | 35758-3007 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 118 CLIFTS COVE 3RD ADD A RESUB OF TRACTS 1C & 1D OF CLIFTS COVE 1ST ADD PB 37 PG 35/36 |
| Legal Range | 02W |
| Legal Township | 03S |
| Legal Section | 33 |
| Legal Subdivision | CLIFTS COVE 1ST ADD |
| Legal Tract | 1C,1D |
| Legal Lot Number | 118 |
| Jurisdiction | MADISON AL |
| Township / Civil Division | MADISON |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 11012 |
109 Veranda Dr is owned and occupied by two individuals who bought it in March 2019.
Source: Madison County records, as of November 14, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 109 VERANDA DR, MADISON, AL 35758-3007 |
| 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 |
|---|---|
| Oct 15, 2021 | Deed of Trust, Mortgage · Line of Credit REDSTONE FCU |
| May 15, 2020 | Deed of Trust, Mortgage · VA Mortgage FEDERAL SVGS BK |
| Mar 12, 2019 | Grant Deed, Transfer · VA Mortgage NAVY FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 12, 2019 · Amount on File |
| Deed Sale | Mar 12, 2019 · Amount on File |
| Prior Sale | Jan 23, 2012 · Amount on File |
| Deed Document Number | 20190312000014476 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON AL |
| Property Address | 109 VERANDA DR, MADISON, AL 35758-3007 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2021 |
| Name | Verified Name |
|---|
| Document Number | 202100086079 |
|---|---|
| Date | Oct 15, 2021 |
| Instrument | 2021-00086079 |
| Name | REDSTONE FCU |
|---|---|
| Type | Credit Union |
| Address | HUNTSVILLE, AL 35893 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 14, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON AL |
| Property Address | 109 VERANDA DR, MADISON, AL 35758-3007 |
| Document Number | 0000046483 |
| Instrument Date | May 15, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 21, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 109 VERANDA DR MADISON AL 357583007, MADISON, AL 35758-3007 |
| Document Number | 0000046483 |
|---|---|
| Date | Jun 30, 2020 |
| Instrument | 46483 |
| Name | FEDERAL SVGS BK |
|---|---|
| Type | Federal Savings Bank |
| Address | CHICAGO, IL 60607 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 29, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MADISON AL |
| Recording Date | Mar 12, 2019 |
| Property Address | 109 VERANDA DR, MADISON, AL 35758-3007 |
| Document Number | 0000014476 |
| Instrument Date | Mar 9, 2019 |
| Instrument | 14476 |
| Transaction Type | Transfer |
| Record Updated | Mar 26, 2019 |
| Title Company | ADM TITLE SERVICES LLC-631, ADM TITLE SVCS LLC-631 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $496.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 109 VERANDA DR MADISON AL 357583007, MADISON, AL 35758-3007 |
| Document Number | 14477 |
|---|---|
| Date | Mar 12, 2019 |
| Instrument | 14477 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 11, 2049 |
Source: Madison County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | Alabama |
| County | Madison County |
| Municipality | Madison City |
| Unified School District | Madison City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | Homeowner's exemption | $62,020 Land $9,700 Building $52,320 | $620,100 Land $97,000 Building $523,100 |
| 2023 | Homeowner's exemption | $60,200 Land $8,480 Building $51,720 | $602,000 Land $84,800 Building $517,200 |
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 Veranda Dr in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective September 16, 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 |
| Flood Insurance Cost | Premium on File median of 17 policies |
| Nearby Flood Policies | 17 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 Veranda Dr is low, with less than 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 97% of the US · lower than 99.2% of Alabama |
|---|---|
| Wildfire Likelihood | Under 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: FCC Broadband Data Collection, based on 201 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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