Madison County property record for 129 River Oaks Dr, Madison, AL 35758
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 818 sqft · built 1992 |
| Lot Size | 0.162 acres (7,095 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $1,288 (2023) |
| Deeds & Mortgages | May 2026 Mortgage Sep 2023 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-07-35-4-003-004.000 |
| Primary APN | 15-07-35-4-003-004.000 |
|---|---|
| Alternative APN |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 818 sqft Living Area |
| 1st Floor Area | 818 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Exterior Material | Other |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 7,095 sqft (0.162 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 127804 |
|---|---|
| Street Address | 129 RIVER OAKS DR |
| City | MADISON |
| State | AL |
| Zip | 35758-6632 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 38 BLK 4 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 | 4 |
| Legal Lot Number | 38 |
| Jurisdiction | MADISON AL |
| Township / Civil Division | HUNTSVILLE |
| Census Block Group | 1 |
| Census Block | 1029 |
| Census Tract | 1401 |
Source: Madison County records, as of May 26, 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 Record |
|---|---|
| Mailing Address | 129 RIVER OAKS DR, MADISON, AL 35758-6632 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 18, 2026 | Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC |
| Sep 7, 2023 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Aug 7, 2020 | Deed of Trust, Mortgage · Line of Credit PENTAGON FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 16, 2008 |
| Deed Sale | Sep 16, 2008 |
| Deed Document Number | 2008597520 |
| Prior Transfer Date | Sep 12, 2000 |
| Prior Transfer Doc | 0000597520 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON AL |
| Recording Date | May 18, 2026 |
| Property Address | 129 RIVER OAKS DR, MADISON, AL 35758-6632 |
| Document Number | 2026104670 |
| Book / Page | 2026 / 104670 |
| Instrument Date | May 11, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 129 RIVER OAKS DR, MADISON, AL 35758-6632 |
| Investor | Possibly a Property Investor |
| Document Number | 2026104670, |
|---|---|
| Date | May 18, 2026 |
| Book Page | 2026/104670 |
| Name | LOANDEPOT.COM LLC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jun 1, 2041 |
| Rate | 5.74% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON AL |
| Property Address | 129 RIVER OAKS DR, MADISON, AL 35758-6632 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2023 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 129 RIVER OAKS DR, MADISON, AL 35758-6632 |
| Document Number | 0000148035 |
|---|---|
| Date | Sep 7, 2023 |
| Book Page | MTG 2023/148035 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92618 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Sep 1, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON AL |
| Property Address | 129 RIVER OAKS DR, MADISON, AL 35758-6632 |
| Document Number | 0000061817 |
| Instrument Date | Aug 7, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 29, 2020 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 129 RIVER OAKS DR MADISON AL 357586632, MADISON, AL 35758-6632 |
| Document Number | 0000061817 |
|---|---|
| Date | Aug 13, 2020 |
| Instrument | 61817 |
| Name | PENTAGON FCU |
|---|---|
| Type | Credit Union |
| Address | TYSONS, VA 22102 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 12, 2050 |
| Rate Type | Adjustable Rate |
|---|
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 |
|---|---|---|---|
| 2025 | Homeowner's exemption | $26,420 (+14.67%) Land $4,260 Building $22,160 | $264,000 (+14.63%) Land $42,500 Building $221,500 |
| 2023 | $1,288.00 (+18.6%) Homeowner's exemption | $23,040 (+17.79%) Land $4,260 Building $18,780 | $230,300 (+17.8%) Land $42,500 Building $187,800 |
| 2022 | $1,086.00 Homeowner's exemption | $19,560 Land $3,500 Building $16,060 | $195,500 Land $35,000 Building $160,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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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