1098 Nance Rd, Madison, AL 35757 Property Records

Madison County property record for 1098 Nance Rd, Madison, AL 35757

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,878 sqft · built 2013
Lot Size	0.9 acres (39,204 sqft)
Owner	Individual Name on Record
Last Sale	$279,000 (Sep 2019)
Tax Bill	$1,111 (2026)
Deeds & Mortgages	Sep 2019 Sale & Mortgage Aug 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`15-02-09-0-000-046.002`

Property Details

APN / Parcel Number

Primary APN	`15-02-09-0-000-046.002`
Alternative APN	`497194`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,878 sqft Living Area
1st Floor Area	1,878 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	39,204 sqft (0.9 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	497194
Street Address	1098 NANCE RD
City	MADISON
State	AL
Zip	35757-7713
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEC 9 T3S R2W TR 8 HERMITAGE PLACE DESC AS COMM AT THE SE COR OF SEC 9 TH N 89 DEG W 34.88 FT & N 450.02 FT TO THE POB TH N 8
Legal Range	02W
Legal Township	03S
Legal Section	09
Legal Subdivision	HERMITAGE PLACE
Legal Tract	8
Jurisdiction	MADISON AL
Township / Civil Division	HUNTSVILLE
Census Block Group	2
Census Block	2000
Census Tract	10623

Owner

Source: Madison 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	1098 NANCE RD, MADISON, AL 35757-7713
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2019	Warranty Deed, Transfer · VA Mortgage CENTER ST BK
Aug 14, 2018	Deed of Trust, Mortgage · Line of Credit NATIONAL BK/COMMERCE
Apr 23, 2018	Deed of Trust, Mortgage · Conventional with PMI NATIONAL BK/COMMERCE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 9, 2019 · Amount on Record
Deed Sale	Sep 9, 2019 · Amount on Record
Prior Sale	Aug 6, 2013 · Amount on Record
Deed Document Number	201958488
Record Updated	Oct 29, 2026

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON AL
Recording Date	Sep 9, 2019
Property Address	1098 NANCE RD, MADISON, AL 35757-7713
Document Number	0000058488
Instrument Date	Sep 6, 2019
Instrument	58488
Transaction Type	Transfer
Record Updated	Oct 8, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$279.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	226 MEADOW WOOD DR MADISON AL 357562515, MADISON, AL 35756-2515

Mortgage

Document Number	58489
Date	Sep 9, 2019
Instrument	58489

Lender

Name	CENTER ST BK
Type	Bank
Address	WINTER HAVEN, FL 33881

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 8, 2049

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON AL
Property Address	1098 NANCE RD, MADISON, AL 35757-7713
Document Number	0000054509
Instrument Date	Aug 14, 2018
Transaction Type	Mortgage
Record Updated	Sep 11, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1098 NANCE RD MADISON AL 357577713, MADISON, AL 35757-7713

Mortgage

Document Number	0000054509
Date	Aug 22, 2018
Instrument	54509

Lender

Name	NATIONAL BK/COMMERCE
Type	Bank
Address	MADISON, AL 35758

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON AL
Property Address	1098 NANCE RD, MADISON, AL 35757-7713
Document Number	0000025843
Instrument Date	Apr 23, 2018
Transaction Type	Mortgage
Record Updated	Aug 31, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1098 NANCE RD MADISON AL 357577713, MADISON, AL 35757-7713

Mortgage

Document Number	0000025843
Date	Apr 30, 2018
Instrument	25843

Lender

Name	NATIONAL BK/COMMERCE
Type	Bank
Address	BIRMINGHAM, AL 35223

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 29, 2048

Tax Assessment & Valuation

Source: Madison County assessment roll, as of November 17, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,111.00 (+2.68%)
2025	$1,082.00 (+7.45%) Homeowner's exemption	$31,100 (+7.09%) Land $1,500 Building $29,600	$311,000 (+7.09%) Land $15,000 Building $296,000
2023	$1,007.00 (+13.15%) Homeowner's exemption	$29,040 (+12.38%) Land $1,500 Building $27,540	$290,400 (+12.38%) Land $15,000 Building $275,400
2022	$890.00 Homeowner's exemption	$25,840 Land $1,500 Building $24,340	$258,400 Land $15,000 Building $243,400

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

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 Record median of 16 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	1 (2023)
Most Recent Claim	Jul 2023 · river or lake flooding

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

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

Wildfire Risk	Low lower than 94% of the US · lower than 98.4% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 313 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
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Google Fiber.

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