1225 Co Rd 286, Five Points, AL 36855 Property Records

Chambers County property record for 1225 Co Rd 286, Five Points, AL 36855

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,320 sqft · built 1983
Lot Size	36.9 acres (1,610,413 sqft)
Owner	2 Individual Names on Record
Last Sale	$600 (Sep 2026)
Tax Bill	$2,269 (2026)
Deeds & Mortgages	Sep 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12-01-08-34-0-001-011.002`

Property Details

APN / Parcel Number

Primary APN	`12-01-08-34-0-001-011.002`
Alternative APNs	`0108340001011002` `13098`

Interior

Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,320 sqft Living Area
1st Floor Area	1,320 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Exterior Material	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	1,610,413 sqft (36.9 acres)
Garage Type	Mixed
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	608 sqft
Deck Area	240 sqft
Utility Building	100 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	13098
Street Address	1225 COUNTY ROAD 286
City	FIVE POINTS
State	AL
Zip	36855-2741
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEG AT INT OF S MARGIN OF COUNTY ROAD 286 & W LINE OF NW1/4 RUN SE'LY ALONG ROAD 683.3', S'LY1180.4', S1346.7', W662.7', N583
Legal Range	28
Legal Township	24
Legal Section	34
Jurisdiction	CHAMBERS AL
Township / Civil Division	FIVE POINTS
Census Block Group	1
Census Block	1048
Census Tract	953800

Owner

Source: Chambers 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	2 Individual Names on Record
Mailing Address	1225 COUNTY ROAD 286, FIVE POINTS, AL 36855-2741
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 28, 2026 · Amount on Record
Deed Sale	Sep 28, 2026 · Amount on Record
Deed Document Number	20264398
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMBERS AL
Recording Date	Sep 28, 2026
Property Address	1225 COUNTY ROAD 286, FIVE POINTS, AL 36855-2741
Document Number	0000004398
Instrument Date	Sep 22, 2026
Instrument	20264398
Transaction Type	Transfer
Record Updated	Oct 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$60.60
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	1225 COUNTY ROAD 286, FIVE POINTS, AL 36855-2741

Mortgage

Document Number	0000004399,
Date	Sep 28, 2026
Instrument	20264399

Lender

Name	FIRST S FARM CREDIT ACA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

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
2026	$2,269.00 (+167.57%) Homeowner's exemption Senior Citizen's exemption
2025	$848.00 (-3.85%)	$31,856 (+24.24%) Land $10,100 Building $21,756	$318,560 (+0.37%) Land $101,000 Building $217,560
2024	$882.00 (+0.23%) Additional exemption filed	$25,640 (+0.16%) Land $3,860 Building $21,780	$317,370 (-) Land $99,730 Building $217,640
2023	$880.00 (+0.11%) Additional exemption filed	$25,600 (+0.08%) Land $3,820 Building $21,780	$317,370 (-) Land $99,730 Building $217,640
2022	$879.00 Additional exemption filed	$25,580 Land $3,800 Building $21,780	$317,370 Land $99,730 Building $217,640

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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 56% of the US · above 70% of Alabama
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TEC Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Co Rd 286

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