1245 Co Rd 446, Five Points, AL 36855 Property Records

Chambers County property record for 1245 Co Rd 446, Five Points, AL 36855

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,819 sqft · built 1998
Lot Size	0.53 acres (23,100 sqft)
Owner	Individual Name on File
Tax Bill	$1,765 (2025)
Deeds & Mortgages	Jul 2026 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`12-01-09-29-0-001-013.015`

Property Details

APN / Parcel Number

Primary APN	`12-01-09-29-0-001-013.015`
Alternative APNs	`0109290001013015` `9441`

Interior

Full Baths	1 Bath
Plumbing Fixtures	4 Plumbing Fixtures
Stories	1 Story
Building Area	1,819 sqft Living Area
1st Floor Area	1,819 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	23,100 sqft (0.53 acres)
Lot Dimensions	210 ft deep x 110 ft wide
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio
Porch Area	240 sqft
Deck Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	9441
Street Address	1245 COUNTY ROAD 446
City	FIVE POINTS
State	AL
Zip	36855
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 28BRANDON COVE SUB. PHASE 2F.C. C SL. 76IN SW1/4 OF SE1/4S29 T24N R28E
Legal Range	28
Legal Township	24
Legal Section	29
Legal Subdivision	BRANDON COVE SUB
Legal Phase	2
Legal Lot Number	28
Jurisdiction	CHAMBERS AL
Township / Civil Division	FIVE POINTS
Census Block Group	1
Census Block	1021
Census Tract	953800

Owner

Source: Chambers County records · APN 12-01-09-29-0-001-013.015

Assessment roll updated May 12, 2026 · Last verified May 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 File
Mailing Address	4690 LOST MOUNTAIN DR, POWDER SPRINGS, GA 30127-1050
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMBERS AL
Recording Date	Jul 15, 2026
Property Address	1412 COUNTY ROAD 272, FIVE POINTS, AL 36855-2604
Document Number	0000003205
Instrument Date	Jul 13, 2026
Instrument	20263205
Transaction Type	Mortgage
Record Updated	Jul 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18505 GA HIGHWAY 219, WEST POINT, GA 31833-4002

Mortgage

Document Number	0000003205,
Date	Jul 15, 2026
Instrument	20263205

Lender

Name	ALABAMA AGENCY CREDIT FLCA

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Aug 01, 2027

Interest

Rate	6.52%
Max Rate	-1%

Tax Assessment & Valuation

Source: Chambers County records · Assessment roll updated May 12, 2026 · Last verified May 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,765.00	$41,536 (-0.01%) Land $5,380 Building $36,156	$207,680 (-0.01%) Land $26,900 Building $180,780
2023	$1,765.00	$41,540 (-) Land $5,380 Building $36,160	$207,710 (-) Land $26,930 Building $180,780
2022	$1,765.00	$41,540 Land $5,380 Building $36,160	$207,710 Land $26,930 Building $180,780

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of February 18, 2011 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Moderate above 45% of the US · above 49% of Alabama
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

Based on FCC filings for 7 locations within half a mile of this property.

Cell Coverage

4G LTE only, no 5G reported

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	EAST ALABAMA, WATER & FIRE PRO DISTRICT serves 17,532 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.