Madison County property record for 123 River Oaks Dr, Madison, AL 35758
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 510 sqft · built 1992 |
| Lot Size | 0.164 acres (7,150 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $211,000 (Sep 2021) |
| Tax Bill | $2,876 (2026) |
| Deeds & Mortgages | Feb 2021 Mortgage Sep 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-07-35-4-003-007.000 |
| Primary APN | 15-07-35-4-003-007.000 |
|---|---|
| Alternative APN |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 510 sqft Living Area |
| 1st Floor Area | 510 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Exterior Material | Other |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 7,150 sqft (0.164 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 578887 |
|---|---|
| Street Address | 123 RIVER OAKS DR |
| City | MADISON |
| State | AL |
| Zip | 35758-6632 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 35 BLK 4 CREEKWOOD A RESUB OF CREEKWOOD INDIAN CREEK PROPERTIES & OTHER LANDS PB 26 G 4-12 |
| Legal Range | 02W |
| Legal Township | 03S |
| Legal Section | 35 |
| Legal Subdivision | CREEKWOOD A RESUB OF CREEKWOOD INDIAN CR |
| Legal Block | 4 |
| Legal Lot Number | 35 |
| Jurisdiction | MADISON AL |
| Township / Civil Division | HUNTSVILLE |
| Census Block Group | 1 |
| Census Block | 1029 |
| 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 | 2 Company Names on Record |
|---|---|
| Mailing Address | 15914 ATKINSON AVE, GARDENA, CA 90249-4814 |
| Owner Type | Company |
| Vesting | Life Tenant |
| Date | Document |
|---|---|
| Feb 26, 2021 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Sep 10, 2021 | Warranty Deed, Transfer · Conventional Mortgage CERTAINTY HOME LOANS LLC |
| Jan 7, 2021 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 10, 2021 · Amount on Record |
| Deed Sale | Sep 10, 2021 · Amount on Record |
| Prior Sale | Jan 7, 2021 · Amount on Record |
| Deed Document Number | 202175268 |
| Last Transfer Date | May 30, 2025 |
| Transfer Doc | 0000022118 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON AL |
| Property Address | 123 RIVER OAKS DR, MADISON, AL 35758-6632 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2023 |
| Name | Verified Name |
|---|---|
| Address | 123 RIVER OAKS DR, MADISON, AL 35758-6632 |
| Document Number | 0000015877 |
|---|---|
| Date | Feb 26, 2021 |
| Instrument | 2021-00015877 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | FISHERS, IN 46037 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 298 Months |
| Due | Dec 1, 2045 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON AL |
| Recording Date | Sep 10, 2021 |
| Property Address | 123 RIVER OAKS DR, MADISON, AL 35758-6632 |
| Document Number | 0000075268 |
| Map Reference | MB 26 PG 4-12 |
| Instrument Date | Sep 3, 2021 |
| Instrument | 2021-00075268 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2023 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6178 BALSAM ST, ARVADA, CO 80004-5530 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 123 RIVER OAKS DR, MADISON, AL 35758-6632 |
| Document Number | 0000075269 |
|---|---|
| Date | Sep 10, 2021 |
| Instrument | 2021-00075269 |
| Name | CERTAINTY HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MADISON AL |
| Recording Date | Jan 7, 2021 |
| Property Address | 123 RIVER OAKS DR, MADISON, AL 35758-6632 |
| Document Number | 0000001959 |
| Instrument Date | Jan 5, 2021 |
| Instrument | 1959 |
| Transaction Type | Transfer |
| Record Updated | Feb 1, 2021 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $124.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 123 RIVER OAKS DR MADISON AL 357586632, MADISON, AL 35758-6632 |
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 | $2,876.00 (+3.19%) | ||
| 2025 | $2,787.00 (+111.78%) | $48,060 (+104.34%) Land $8,500 Building $39,560 | $240,300 (+2.21%) Land $42,500 Building $197,800 |
| 2023 | $1,316.00 (+14.04%) Homeowner's exemption | $23,520 (+13.4%) Land $4,260 Building $19,260 | $235,100 (+13.41%) Land $42,500 Building $192,600 |
| 2022 | $1,154.00 Homeowner's exemption | $20,740 Land $3,500 Building $17,240 | $207,300 Land $35,000 Building $172,300 |
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.
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 124 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Google Fiber Fiber | 8,000 / 8,000 |
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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