Madison County property record for 128 River Oaks Dr, Madison, AL 35758
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 898 sqft · built 1992 |
| Lot Size | 0.231 acres (10,062 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $144,500 (Oct 2017) |
| Tax Bill | $1,618 (2026) |
| Deeds & Mortgages | Apr 2022 Mortgage Nov 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-07-35-4-001-072.000 |
| Primary APN | 15-07-35-4-001-072.000 |
|---|---|
| Alternative APN |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 898 sqft Living Area |
| 1st Floor Area | 898 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Exterior Material | Vinyl |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 10,062 sqft (0.231 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 458968 |
|---|---|
| Street Address | 128 RIVER OAKS DR |
| City | MADISON |
| State | AL |
| Zip | 35758-6631 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 43 BLK 2 CREEKWOOD A RESUB OF CREEKWOOD INDIAN CREEK PROPERTIES & OTHER LANDS PB 26 PG 4-12 |
| Legal Range | 02W |
| Legal Township | 03S |
| Legal Section | 35 |
| Legal Subdivision | CREEKWOOD A RESUB OF CREEKWOOD INDIAN CR |
| Legal Block | 2 |
| Legal Lot Number | 43 |
| Jurisdiction | MADISON AL |
| Township / Civil Division | HUNTSVILLE |
| Census Block Group | 1 |
| Census Block | 1030 |
| 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 Individual Names on Record |
|---|---|
| Mailing Address | 128 RIVER OAKS DR, MADISON, AL 35758-6631 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 5, 2022 | Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC |
| Nov 21, 2019 | Deed of Trust, Mortgage · VA Mortgage PENNYMAC |
| Oct 10, 2017 | Grant Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 10, 2017 · Amount on Record |
| Deed Sale | Oct 10, 2017 · Amount on Record |
| Deed Document Number | 2017594140 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON AL |
| Property Address | 128 RIVER OAKS DR, MADISON, AL 35758-6631 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000091208 |
|---|---|
| Date | Apr 5, 2022 |
| Book Page | MTG 2022/91208 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Mar 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON AL |
| Property Address | 128 RIVER OAKS DR, MADISON, AL 35758-6631 |
| Document Number | 0000079164 |
| Instrument Date | Nov 21, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 31, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 128 RIVER OAKS DR MADISON AL 357586631, MADISON, AL 35758-6631 |
| Document Number | 0000079164 |
|---|---|
| Date | Dec 5, 2019 |
| Instrument | 79164 |
| Name | PENNYMAC |
|---|---|
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 4, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MADISON AL |
| Recording Date | Oct 10, 2017 |
| Property Address | 128 RIVER OAKS DR, MADISON, AL 35758-6631 |
| Document Number | 0000594140 |
| Instrument Date | Oct 6, 2017 |
| Instrument | 594140 |
| Transaction Type | Transfer |
| Record Updated | Nov 7, 2017 |
| Title Company | MERCHANTS FIDELITY AND TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $144.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 278 DUVALL RD JOPPA AL 350876184, JOPPA, AL 35087-6184 |
| Document Number | 594150 |
|---|---|
| Date | Oct 10, 2017 |
| Instrument | 594150 |
| Name | VETERANS UNITED HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 9, 2047 |
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 | $1,618.00 (+3.12%) | ||
| 2025 | $1,569.00 (+15.28%) Homeowner's exemption | $27,880 (+14.73%) Land $4,260 Building $23,620 | $278,700 (+14.79%) Land $42,500 Building $236,200 |
| 2023 | $1,361.00 (+18.86%) Homeowner's exemption | $24,300 (+18.08%) Land $4,260 Building $20,040 | $242,800 (+18.04%) Land $42,500 Building $200,300 |
| 2022 | $1,145.00 Homeowner's exemption | $20,580 Land $3,500 Building $17,080 | $205,700 Land $35,000 Building $170,700 |
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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