1195 Co Rd 438, Five Points, AL 36855 Property Records

Chambers County property record for 1195 Co Rd 438, Five Points, AL 36855

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,726 sqft · built 1970
Lot Size	17 acres (740,520 sqft)
Owner	Individual Name on Record
Tax Bill	$1,254 (2025)
Deeds & Mortgages	Nov 2017 Line of Credit Nov 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`12-01-03-07-0-000-006.000`

Property Details

APN / Parcel Number

Primary APN	`12-01-03-07-0-000-006.000`
Alternative APNs	`0103070000006000` `16828`

Interior

Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,726 sqft Living Area
1st Floor Area	1,726 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	740,520 sqft (17 acres)
Garage Area	440 sqft
Parking Spaces	8 Parking Spaces
Porch	Slab
Porch Area	240 sqft
Utility Building	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	16828
Street Address	1195 COUNTY ROAD 438
City	FIVE POINTS
State	AL
Zip	36855-2868
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEG AT SE COR OF NW1/4, RUN W825',N'LY1395'(S) TO CO. HWAY 86,SE'LY ALONG HWAY 1100'(S),S735'(S) TO P.O.B., LESS R.R. R.O.W.L
Legal Range	28
Legal Township	24
Legal Section	07
Jurisdiction	CHAMBERS AL
Township / Civil Division	FIVE POINTS
Census Block Group	1
Census Block	1016
Census Tract	953800

Owner

Source: Chambers County records, as of May 12, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1195 COUNTY ROAD 438, FIVE POINTS, AL 36855-2868
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 20, 2017	Deed of Trust, Mortgage · Line of Credit BRANCH BANKING AND TRUST CO
Nov 20, 2017	Deed of Trust, Mortgage · Line of Credit BRANCH BANKING AND TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMBERS AL
Property Address	1195 COUNTY ROAD 438, FIVE POINTS, AL 36855-2868
Transaction Type	Mortgage
Record Updated	May 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000004558
Date	Nov 20, 2017
Instrument	4558

Lender

Name	BRANCH BANKING AND TRUST CO
Type	Bank
Address	ROANOKE, AL 36274

Agreement

Type	Line of Credit
Amount	Amount Recorded

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMBERS AL
Property Address	1195 COUNTY ROAD 438, FIVE POINTS, AL 36855-2956
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	4558
Date	Nov 20, 2017
Instrument	4558

Lender

Name	BRANCH BANKING AND TRUST CO
Type	Bank
Address	ROANOKE, AL 36274

Agreement

Type	Line of Credit
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Chambers County assessment roll, as of May 12, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,254.00 (+0.08%)	$31,176 (+0.05%) Land $5,560 Building $25,616	$311,760 (+0.01%) Land $55,600 Building $256,160
2024	$1,253.00 Additional exemption filed	$31,160 (-) Land $5,560 Building $25,600	$311,720 (-) Land $55,590 Building $256,130
2023	$1,253.00 Additional exemption filed	$31,160 (-) Land $5,560 Building $25,600	$311,720 (-) Land $55,590 Building $256,130
2022	$1,253.00 Additional exemption filed	$31,160 Land $5,560 Building $25,600	$311,720 Land $55,590 Building $256,130

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective February 18, 2011 · 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
Nearby Flood Policies	1 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

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

Wildfire Risk	Moderate above 55% of the US · above 68% of Alabama
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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	EAST ALABAMA, WATER & FIRE PRO DISTRICT serves 17,532 people · EPA ID AL0000174
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2023
Lead	2 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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
TEC DSL	10 / 1

Cell Coverage

4G LTE (outdoors only), no 5G reported

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