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127 Phantom Dr, Toney, AL 35773 Property Records

Madison County property record for 127 Phantom Dr, Toney, AL 35773

Property Summary

Property TypeSingle Family Home
Details4 ba · 3,269 sqft · built 1998
Lot Size1.9 acres (82,764 sqft)
OwnerIndividual Name on Record
Last Sale$357,600 (Mar 2023)
Tax Bill$1,915 (2026)
Deeds & MortgagesOct 2021 Sale & Mortgage
Aug 2020 Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN07-02-04-0-001-076.000

Property Details

APN / Parcel Number

Primary APN07-02-04-0-001-076.000
Alternative APNs
  • 465226
  • 582538

Interior

Full Baths3.5 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area3,269 sqft Living Area
1st Floor Area3,145 sqft
FlooringHardwood
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1998
Effective Year BuiltEffective 1998
Exterior MaterialBrick
Construction TypeWood
Foundation TypeBrick
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area82,764 sqft (1.9 acres)

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Account Number582538
Street Address127 PHANTOM DR
CityTONEY
StateAL
Zip35773-6967
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 29 & 36 BLK 7 WHITT HAVEN DEVELOPMENT S/D PB 31 PG 45-48
Legal Range01W
Legal Township02S
Legal Section04
Legal SubdivisionWHITT HAVEN
Legal Block7
Legal Lot Number29,36
JurisdictionMADISON AL
Township / Civil DivisionMADISON CROSSROADS
Census Block Group1
Census Block1002
Census Tract10405

Owner

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 RecordIndividual Name on Record
Mailing Address127 PHANTOM DR, TONEY, AL 35773-6967
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 26, 2021Warranty Deed, Transfer · VA Mortgage
MORTGAGE RESEARCH CENTER LLC
Aug 12, 2020Deed of Trust, Mortgage · Conventional with PMI
FREEDOM MTG
Feb 23, 2018Warranty Deed, Transfer · Conventional with PMI
PREMIA RELOCATION MTG
Feb 23, 2018Warranty Deed, Transfer · Conventional with PMI
PREMIA RELOCATION MTG

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMar 30, 2023 · Amount on Record
Deed SaleMar 30, 2023 · Amount on Record
Prior SaleOct 26, 2021 · Amount on Record
Deed Book / Page2023 / 11418
Record UpdatedOct 29, 2026

October 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMADISON AL
Recording DateOct 26, 2021
Property Address127 PHANTOM DR, TONEY, AL 35773-6967
Document Number0000089434
Map ReferenceMB 31 PG 45-48
Instrument DateOct 22, 2021
Instrument2021-00089434
Transaction TypeTransfer
Record UpdatedJun 29, 2023

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyVerified / From Affidavit
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address127 PHANTOM DR, TONEY, AL 35773-6967

Transferred To (Grantee/Buyer)

NameVerified Name
Address127 PHANTOM DR, TONEY, AL 35773-6967
InvestorPossibly a Property Investor

Mortgage

Document Number0000089435
DateOct 26, 2021
Instrument2021-00089435
Lender
NameMORTGAGE RESEARCH CENTER LLC
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueNov 1, 2051

August 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMADISON AL
Property Address127 PHANTOM DR, TONEY, AL 35773-6967
Document Number0000063060
Instrument DateAug 12, 2020
Transaction TypeMortgage
Record UpdatedSep 30, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address127 PHANTOM DR TONEY AL 357736967, TONEY, AL 35773-6967

Mortgage

Document Number0000063060
DateAug 18, 2020
Instrument63060
Lender
NameFREEDOM MTG
TypeMortgage Company
AddressMOUNT LAUREL, NJ 08054
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term336 Months
DueAug 17, 2048

February 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMADISON AL
Recording DateFeb 23, 2018
Property Address127 PHANTOM DR, TONEY, AL 35773-6967
Document Number0000010876
Instrument DateFeb 23, 2018
Instrument10876
Transaction TypeTransfer
Record UpdatedMar 5, 2018
Title CompanyFIRST AMERICAN TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$17.00
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address127 PHANTOM DR TONEY AL 357736967, TONEY, AL 35773-6967

Mortgage

Document Number10877
DateFeb 23, 2018
Instrument10877
Lender
NamePREMIA RELOCATION MTG
TypeMortgage Company
AddressTROY, MI 48098-2620
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueFeb 22, 2048

February 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMADISON AL
Recording DateFeb 23, 2018
Property Address127 PHANTOM DR, TONEY, AL 35773-6967
Document Number0000010876
Instrument DateFeb 23, 2018
Instrument10876
Transaction TypeTransfer
Record UpdatedDec 1, 2020
Title CompanyFIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$17.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address127 PHANTOM DR TONEY AL 357736967, TONEY, AL 35773-6967

Mortgage

Document Number10877
DateFeb 23, 2018
Instrument10877
Lender
NamePREMIA RELOCATION MTG
TypeMortgage Company
AddressTROY, MI 48098-2620
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueFeb 22, 2048

Tax Assessment & Valuation

Source: Madison County assessment roll, as of November 17, 2025

Property Jurisdictions

TypeName
StateAlabama
CountyMadison County
Unified School DistrictMadison County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$1,915.00 (-51.24%)
2025$3,927.00 (+125.17%)$108,740 (+119.23%) Land $14,000 Building $94,740$543,700 (+9.62%) Land $70,000 Building $473,700
2023$1,744.00 (+37.11%) Homeowner's exemption$49,600 (+35.3%) Land $6,000 Building $43,600$496,000 (+35.33%) Land $60,000 Building $436,000
2022$1,272.00 Homeowner's exemption$36,660 Land $6,000 Building $30,660$366,500 Land $60,000 Building $306,500

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 September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies4 in force
Nearby Flood Claims1 (2004)
Claims Outside the SFHA1 of 1
Most Recent ClaimSep 2004 · Hurricane Ivan

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 RiskLow
lower than 80% of the US · lower than 91% of Alabama
Wildfire Likelihood0.01% annual chance
ExposureNone
beyond ember reach

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

ProviderMax Down / Up (Mbps)
AT&T
Fiber		5,000 / 5,000
Xfinity
Cable		2,000 / 250
Mediacom Xtream
Cable · Fiber in parts of the area		1,000 / 50
Verizon
Fixed Wireless		300 / 20

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