1322 7th St SE, Cullman, AL 35055 Property Records

Cullman County property record for 1322 7th St SE, Cullman, AL 35055

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,096 sqft · built 1965
Lot Size	0.184 acres (8,000 sqft)
Owner	2 Individual Names on File
Last Sale	$155,500 (Oct 2023)
Tax Bill	$396 (2025)
Deeds & Mortgages	Jun 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17-06-14-2-005-001.001`

Property Details

APN / Parcel Number

Primary APN	`17-06-14-2-005-001.001`
Alternative APNs	`233173` `221073` `16215`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,096 sqft Base Area
1st Floor Area	1,096 sqft
Flooring	Wood
Interior Walls	Wood

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	8,000 sqft (0.184 acres)
Lot Dimensions	80 ft deep x 100 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	233173
Street Address	1322 7TH ST SE
City	CULLMAN
State	AL
Zip	35055-3859
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT 10 & 11 BLOCK 5 RATLIFF & HANCOCK S/D N 80 FT OF LOTS 10 & 11
Legal Subdivision	RATLIFF AND HANCOCK SD
Legal Block	5
Legal Lot Number	10-11
Jurisdiction	CULLMAN AL
Township / Civil Division	CULLMAN
Census Block Group	1
Census Block	1000
Census Tract	964901

Owner

1322 7th St SE is owned and occupied by two individuals who bought it in October 2023.

Source: Cullman County records, as of June 10, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1322 7TH ST SE, CULLMAN, AL 35055-3859
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 6, 2023 · Amount on File
Deed Sale	Oct 6, 2023 · Amount on File
Prior Sale	Feb 4, 2021 · Amount on File
Deed Book / Page	747 / 424
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CULLMAN AL
Recording Date	Jun 1, 2026
Property Address	1322 7TH ST SE, CULLMAN, AL 35055-3859
Document Number	2168000843
Book / Page	2168 / 843
Instrument Date	Apr 21, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SERVICELINK, SERVICE LINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1322 7TH ST SE, CULLMAN, AL 35055-3859

Mortgage

Document Number	2168000843,
Date	Jun 1, 2026
Book Page	2168/843

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.38%
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 1322 7th St SE was $396 with a homeowner's exemption.

Source: Cullman County assessment roll, as of November 10, 2025

Property Jurisdictions

Type	Name
State	Alabama
County	Cullman County
Municipality	Cullman City
Unified School District	Cullman City School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$396.00 Homeowner's exemption	$11,480	$114,700 Land $42,900 Building $71,800
2023	$351.00 (+20.21%) Homeowner's exemption	$10,300 (+17.58%)	$102,800 (+17.49%) Land $39,100 Building $63,700
2022	$292.00 Homeowner's exemption	$8,760	$87,500 Land $29,600 Building $57,900

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

FEMA maps place 1322 7th St SE in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective April 26, 2018 · 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
Nearby Flood Policies	1 in force

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

Wildfire risk around 1322 7th St SE is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 66% of the US · lower than 82% of Alabama
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20