10984 Vance St, Vance, AL 35490 Property Records

Tuscaloosa County property record for 10984 Vance St, Vance, AL 35490

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,612 sqft · built 1998
Lot Size	0.44 acres (19,225 sqft)
Owner	Individual Name on Record
Last Sale	$184,900 (Aug 2019)
Tax Bill	$505 (2025)
Deeds & Mortgages	Aug 2019 Mortgage Aug 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`28-07-35-0-000-062.023`

Property Details

APN / Parcel Number

Primary APN	`28-07-35-0-000-062.023`
Alternative APNs	`3077` `6868`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,612 sqft Living Area
1st Floor Area	1,612 sqft
Utility Area	84 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	19,225 sqft (0.44 acres)
Lot Dimensions	167 ft deep x 125 ft wide
Garage Type	Finished
Garage Area	440 sqft
Porch	Slab
Porch Area	186 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	6868
Street Address	10984 VANCE ST
City	VANCE
State	AL
Zip	35490-2547
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 33 WHISPERING MEADOWS OF VANCE PHASE 1
Legal Range	07W
Legal Township	21S
Legal Section	35
Legal Subdivision	WHISPERING MEADOWS OF VANCE 1
Legal Phase	1
Legal Lot Number	33
Jurisdiction	TUSCALOOSA AL
Township / Civil Division	COALING-VANCE
Census Block Group	1
Census Block	1055
Census Tract	10703

Owner

Source: Tuscaloosa County records, as of August 14, 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	10984 VANCE ST, VANCE, AL 35490-2547
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 1, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRST FEDERAL BANK
Aug 24, 2023	Deed of Trust, Mortgage · Conventional Mortgage FIRST FEDERAL BANK
Mar 9, 2018	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Aug 1, 2019	Warranty Deed, Transfer · FHA Mortgage FIRST FEDERAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 1, 2019 · Amount on Record
Deed Sale	Aug 1, 2019 · Amount on Record
Deed Book / Page	2019 / 17139
Record Updated	Sep 20, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TUSCALOOSA AL
Property Address	10984 VANCE ST, VANCE, AL 35490-2547
Transaction Type	Mortgage
Record Updated	Oct 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10984 VANCE ST, VANCE, AL 35490-2547

Mortgage

Document Number	0000002019/0000048314
Date	Aug 1, 2019
Book Page	0000002019/0000048314

Lender

Name	FIRST FEDERAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jan 1, 2029

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TUSCALOOSA AL
Property Address	10984 VANCE ST, VANCE, AL 35490-2547
Transaction Type	Mortgage
Record Updated	Sep 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10984 VANCE ST, VANCE, AL 35490-2547

Mortgage

Document Number	0000002023/0000051470
Date	Aug 24, 2023
Book Page	0000002023/0000051470

Lender

Name	FIRST FEDERAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2038

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TUSCALOOSA AL
Property Address	10984 VANCE ST, VANCE, AL 35490-2547
Transaction Type	Mortgage
Record Updated	May 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2018/13183
Date	Mar 9, 2018
Book Page	2018/13183

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	348 Months
Due	Jan 1, 2047

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TUSCALOOSA AL
Recording Date	Aug 1, 2019
Property Address	10984 VANCE ST, VANCE, AL 35490-2547
Document Number	2019/17139
Book / Page	2019 / 17139
Instrument Date	Jul 29, 2019
Transaction Type	Transfer
Record Updated	May 30, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment 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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10984 VANCE ST, VANCE, AL 35490-2547

Mortgage

Document Number	0000002019/0000048301
Date	Aug 1, 2019
Book Page	0000002019/0000048301

Lender

Name	FIRST FEDERAL BANK

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2049

Tax Assessment & Valuation

Source: Tuscaloosa County assessment roll, as of March 17, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$505.00 (+7.68%) Homeowner's exemption	$51,540 (+59.86%) Land $4,500 Building $47,040	$257,700 (+59.86%) Land $22,500 Building $235,200
2024	$469.00 Homeowner's exemption	$32,240 (-) Land $4,500 Building $27,740	$161,200 (-) Land $22,500 Building $138,700
2023	$469.00 (-4.29%) Homeowner's exemption	$32,240 (-3.99%) Land $4,500 Building $27,740	$161,200 (-3.99%) Land $22,500 Building $138,700
2022	$490.00 Homeowner's exemption	$33,580 Land $4,500 Building $29,080	$167,900 Land $22,500 Building $145,400

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 June 20, 2025

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 45% of the US · above 49% of Alabama
Wildfire Likelihood	0.09% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITIZENS WATER SERVICE, INC. serves 15,096 people · EPA ID AL0001293
Water Source	Purchased surface water from several systems
Last State Inspection	Aug 2023
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 148 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
AT&T DSL	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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