121 Cliff Rd, Sterrett, AL 35147 Property Records

Shelby County property record for 121 Cliff Rd, Sterrett, AL 35147

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,665 sqft · built 2002
Lot Size	0.378 acres (16,466 sqft)
Owner	Individual Name on Record
Last Sale	$499,500 (Jul 2026)
Tax Bill	$1,791 (2026)
Deeds & Mortgages	Jul 2026 Mortgage Jul 2026 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`095210000001249`

Property Details

APN / Parcel Number

Primary APN	`095210000001249`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,665 sqft Heated Area
1st Floor Area	1,426 sqft
Upper Floors Area	1,522 sqft
Basement Area	704 sqft
Finished Basement	702 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Vinyl
Construction Type	Wood
Foundation Type	Retaining Wall
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	16,466 sqft (0.378 acres)
Lot Dimensions	165 ft deep x 100 ft wide
Garage Type	Basement
Porch	Slab
Deck Area	180 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	121 CLIFF RD
City	STERRETT
State	AL
Zip	35147-7007
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEC/TWNSHP/RAN 21 19S 01W 2001 ANNEX PER ELECTION NBRHD: 01 FOREST PARKS 280 R-2
Legal Range	01W
Legal Township	19S
Legal Section	21
Legal Subdivision	FOREST PARKS 6TH SECTOR 2ND PHASE
Legal Lot Number	629
Jurisdiction	SHELBY AL
Township / Civil Division	CHELSEA
Census Block Group	2
Census Block	2017
Census Tract	30211

Owner

Source: Shelby 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	Individual Name on Record
Mailing Address	121 CLIFF RD, STERRETT, AL 35147-7007
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 2, 2026	Deed of Trust, Mortgage · Conventional Mortgage HARRIS
Jul 2, 2026	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Dec 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage SOUTHPOINT BANK
Sep 10, 2020	Deed of Trust, Mortgage · Line of Credit PROGRESS BANK & TRUST
May 2, 2018	Deed of Trust, Mortgage · Conventional with PMI APCO EMPS CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 2, 2026 · Amount on Record
Deed Sale	Jul 2, 2026 · Amount on Record
Prior Sale	Oct 3, 2003 · Amount on Record
Deed Document Number	2026210130
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY AL
Recording Date	Jul 2, 2026
Property Address	121 CLIFF RD, STERRETT, AL 35147-7007
Document Number	0000210170
Instrument Date	Jul 1, 2026
Instrument	2026210170
Transaction Type	Mortgage
Record Updated	Jul 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	121 CLIFF RD, STERRETT, AL 35147-7007

Mortgage

Document Number	0000210170,
Date	Jul 2, 2026
Instrument	2026210170

Lender

Name	HARRIS

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Rate	6.48%
Max Rate	-1%

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHELBY AL
Recording Date	Jul 2, 2026
Property Address	121 CLIFF RD, STERRETT, AL 35147-7007
Document Number	0000210130
Instrument Date	Jul 1, 2026
Instrument	2026210130
Transaction Type	Transfer
Record Updated	Jul 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$50,449.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	121 CLIFF RD, STERRETT, AL 35147-7007

Mortgage

Document Number	0000210140,
Date	Jul 2, 2026
Instrument	2026210140

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.51%
Max Rate	-1%

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY AL
Property Address	121 CLIFF RD, STERRETT, AL 35147-7007
Transaction Type	Mortgage
Record Updated	Jul 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000591090
Date	Dec 23, 2020
Instrument	20201223000591090

Lender

Name	SOUTHPOINT BANK
Type	Bank
Address	BIRMINGHAM, AL 35243

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2036

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY AL
Property Address	121 CLIFF RD, STERRETT, AL 35147-7007
Transaction Type	Mortgage
Record Updated	Jul 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000402420
Date	Sep 10, 2020
Instrument	20200910000402420

Lender

Name	PROGRESS BANK & TRUST
Type	Bank
Address	BIRMINGHAM, AL 35216

Agreement

Type	Line of Credit
Amount	Amount Recorded

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY AL
Property Address	121 CLIFF RD, STERRETT, AL 35147-7007
Document Number	0000158460
Instrument Date	May 2, 2018
Transaction Type	Mortgage
Record Updated	May 22, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife

Mortgage

Document Number	0000158460
Date	May 9, 2018
Instrument	158460

Lender

Name	APCO EMPS CU
Type	Credit Union
Address	BIRMINGHAM, AL 35203

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	May 8, 2033

Tax Assessment & Valuation

Source: Shelby County assessment roll, as of April 21, 2026

Property Jurisdictions

Type	Name
State	Alabama
County	Shelby County
Municipality	Chelsea City
Unified School District	Shelby County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,791.00 (-1.76%) Homeowner's exemption
2025	$1,823.00 (+4.71%)	$41,440 (+2.27%)	$414,400 (+2.3%) Land $95,000 Building $319,400
2023	$1,741.00 (+11.25%)	$40,520 (+12.43%)	$405,100 (+12.43%) Land $85,000 Building $320,100
2022	$1,565.00	$36,040	$360,300 Land $70,000 Building $290,300

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 January 23, 2026

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 43% of the US · above 46% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 76 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Nearby Properties on Cliff Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures