Madison County property record for 118 River Oaks Dr, Madison, AL 35758
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,113 sqft · built 1992 |
| Lot Size | 0.179 acres (7,837 sqft) |
| Owner | Company Name on Record |
| Last Sale | $542,317 (Jun 2022) |
| Tax Bill | $2,510 (2026) |
| Deeds & Mortgages | Aug 2026 Mortgage Aug 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-07-35-4-001-086.000 |
| Primary APN | 15-07-35-4-001-086.000 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,113 sqft Living Area |
| 1st Floor Area | 1,113 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Exterior Material | Other |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 7,837 sqft (0.179 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 570080 |
|---|---|
| Street Address | 118 RIVER OAKS DR |
| City | MADISON |
| State | AL |
| Zip | 35758-8292 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 29 BLK 2 CREEKWOOD A RESUB OF CREEKWOOD INDIAN CREEK PROPERTIES & OTHER LANDS PB 26 PGS 4-12 |
| Legal Subdivision | CREEKWOOD A RESUB OF CREEKWOOD INDIAN CR |
| Legal Block | 2 |
| Legal Lot Number | 29 |
| Jurisdiction | MADISON AL |
| Township / Civil Division | HUNTSVILLE |
| Census Block Group | 1 |
| Census Block | 1030 |
| Census Tract | 1401 |
Source: Madison County records, as of October 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 211 MAIGOLD CIR, MADISON, AL 35758-6428 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Aug 14, 2026 | Deed of Trust, Mortgage · Conventional Mortgage MERIT BANK |
| Aug 19, 2021 | Deed of Trust, Mortgage · Commercial Mortgage PROGRESS BANK & TRUST |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 10, 2022 · Amount on Record |
| Deed Sale | Jun 10, 2022 · Amount on Record |
| Prior Sale | May 25, 2021 · Amount on Record |
| Deed Book / Page | 2022 / 27988 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON AL |
| Recording Date | Aug 14, 2026 |
| Property Address | 118 RIVER OAKS DR, MADISON, AL 35758-8292 |
| Document Number | 2026178665 |
| Book / Page | 2026 / 178665 |
| Instrument Date | Aug 12, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership, 266 |
| Address | 211 MAIGOLD CIR, MADISON, AL 35758-6428 |
| Document Number | 2026178665, |
|---|---|
| Date | Aug 14, 2026 |
| Book Page | 2026/178665 |
| Name | MERIT BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON AL |
| Property Address | 118 RIVER OAKS DR, MADISON, AL 35758-8292 |
| Transaction Type | Mortgage |
| Record Updated | Sep 13, 2021 |
| Name | Verified Name |
|---|---|
| Address | 211 MAIGOLD CIR, MADISON, AL 35758-6428 |
| Document Number | 202100069353 |
|---|---|
| Date | Aug 19, 2021 |
| Instrument | 2021-00069353 |
| Name | PROGRESS BANK & TRUST |
|---|---|
| Type | Bank |
| Address | HUNTSVILLE, AL 35801 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Madison County assessment roll, as of November 17, 2025
| Type | Name |
|---|---|
| State | Alabama |
| County | Madison County |
| Municipality | Huntsville City |
| Unified School District | Huntsville City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,510.00 (+6.99%) | ||
| 2025 | $2,346.00 (+13.66%) | $40,460 (+13.65%) Land $8,500 Building $31,960 | $202,300 (+13.65%) Land $42,500 Building $159,800 |
| 2023 | $2,064.00 (+20.77%) | $35,600 (+20.76%) Land $8,500 Building $27,100 | $178,000 (+20.76%) Land $42,500 Building $135,500 |
| 2022 | $1,709.00 | $29,480 Land $7,000 Building $22,480 | $147,400 Land $35,000 Building $112,400 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 14 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 14 in force |
| Nearby Flood Claims | 1 (1990) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Dec 1990 · Severe Storms & 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | HUNTSVILLE UTILITIES WATER DEPT. serves 310,107 people · EPA ID AL0000882 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2023 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 112 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Google Fiber Fiber | 8,000 / 8,000 |
| Xfinity Cable | 2,000 / 250 |
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber, Fixed Wireless in parts of the area | 100 / 20 |
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