137 Rail Splitter Rd, Phil Campbell, AL 35581 Property Records

Franklin County property record for 137 Rail Splitter Rd, Phil Campbell, AL 35581

Property Summary

Property Type	Single Family Home
Details	1,316 sqft · built 1920
Lot Size	7.7 acres (335,412 sqft)
Owner	2 Individual Names on File
Last Sale	$150,100 (Feb 2025)
Tax Bill	$265 (2026)
Deeds & Mortgages	Jan 2019 Mortgage Feb 2025 Sale
Flood Zone	Zone X (minimal risk)
APN	`0000543852`

Property Details

APN / Parcel Number

Primary APN	`0000543852`
Alternative APN	`14 02 04 0 000 006.0040`

Interior

Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,316 sqft Living Area
1st Floor Area	1,316 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Vinyl
Foundation Type	Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	335,412 sqft (7.7 acres)
Porch	Screened Porch
Porch Area	192 sqft

Utilities, Heating & Cooling

Heating System	Gravity Furnace

Location & Zoning

Account Number	0000543852
Street Address	137 RAIL SPLITTER RD
City	PHIL CAMPBELL
State	AL
Zip	35581-4945
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEC4 T8 R11 PT OF THE NW4 OF NE4 SEC4 BEG AT THE NW CORNER OF NE4 TH S 847S TH NELY 242S TO THE W ROW OF RAILSPLITER RD TH NELY ALG ROW 900S TO THE N LN OF SEC4 TH W ALG N LN 740S TO POB
Legal Range	11
Legal Township	08
Legal Section	04
Legal Subdivision	009999
Jurisdiction	FRANKLIN AL
Township / Civil Division	RUSSELLVILLE
Census Block Group	2
Census Block	2073
Census Tract	973300

Owner

137 Rail Splitter Rd is owned and occupied by two individuals who bought it in February 2025.

Source: Franklin County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	137 RAIL SPLITTER RD, PHIL CAMPBELL, AL 35581-4945
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

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

Date	Document
Jan 10, 2019	Deed of Trust, Mortgage · Conventional Mortgage CB&S BANK
Feb 3, 2025	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 3, 2025 · Amount on File
Deed Sale	Feb 3, 2025 · Amount on File
Deed Book / Page	419 / 71
Prior Transfer Date	Jan 21, 2025
Record Updated	Oct 29, 2026

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN AL
Property Address	137 RAIL SPLITTER RD, PHIL CAMPBELL, AL 35581-4945
Transaction Type	Mortgage
Record Updated	Jan 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000816/704
Date	Jan 10, 2019
Book Page	816/704
Instrument	0816-0704

Lender

Name	CB&S BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	132 Months
Due	Jan 1, 2029

Interest

Rate Type	Fixed Rate

February 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN AL
Recording Date	Feb 3, 2025
Property Address	137 RAIL SPLITTER RD, PHIL CAMPBELL, AL 35581-4945
Document Number	0000419/71
Book / Page	419 / 71
Instrument Date	Jan 21, 2025
Instrument	24-419071
Transaction Type	Transfer
Record Updated	Jan 19, 2026

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	122 RAIL SPLITTER RD, PHIL CAMPBELL, AL 35581-4937

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	137 RAIL SPLITTER RD, PHIL CAMPBELL, AL 35581-4945

Tax Assessment & Valuation

The 2026 property tax bill for 137 Rail Splitter Rd was $265 with a homeowner's exemption, up 7.7% from the year before.

Source: Franklin County assessment roll, as of November 18, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$265.00 (+7.72%)
2025	$246.00 Homeowner's exemption	$8,140 Land $3,040 Building $5,100	$81,300 Land $30,400 Building $50,900
2023	$446.00 (+10.4%) Additional exemption filed	$14,200 (+10.08%)	$142,100 (+11.28%) Land $27,200 Building $114,900
2022	$404.00 Additional exemption filed	$12,900 Land $2,500 Building $10,400	$127,700 Land $24,700 Building $103,000

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 137 Rail Splitter Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 29, 2010

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 137 Rail Splitter Rd is moderate, ranking above 48% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 48% of the US · above 56% of Alabama
Wildfire Likelihood	0.09% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Freedom Fiber Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 35

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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