14 Cottage Cir, Pelham, AL 35124 Property Records

Shelby County property record for 14 Cottage Cir, Pelham, AL 35124

Property Summary

Property Type	Townhouse
Details	2 ba · 1,284 sqft · built 1988
Lot Size	0.072 acres (3,167 sqft)
Owner	Individual Name on Record
Last Sale	$225,000 (Feb 2026)
Tax Bill	$989 (2025)
Deeds & Mortgages	Feb 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`131021000001071`

Property Details

APN / Parcel Number

Primary APN	`131021000001071`

Interior

Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,284 sqft Heated Area
1st Floor Area	1,284 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Townhouse
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	3,167 sqft (0.072 acres)
Lot Dimensions	105 ft deep x 30 ft wide
Porch	Slab
Utility Building	50 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	14 COTTAGE CIR
City	PELHAM
State	AL
Zip	35124-2604
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	SEC/TWNSHP/RAN 2 20S 03W NBRHD: 08 PELHAM TOWNHOMES R-2
Legal Range	03W
Legal Township	20S
Legal Section	02
Legal Subdivision	COTTAGES THE
Legal Lot Number	4
Jurisdiction	SHELBY AL
Township / Civil Division	ALABASTER-HELENA
Census Block Group	2
Census Block	2027
Census Tract	30352

Owner

Source: Shelby County records, as of April 21, 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	14 COTTAGE CIR, PELHAM, AL 35124-2604
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 27, 2026 · Amount on Record
Deed Sale	Feb 27, 2026 · Amount on Record
Prior Sale	Dec 8, 2004 · Amount on Record
Deed Document Number	202655830
Record Updated	Jun 8, 2026

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHELBY AL
Recording Date	Feb 27, 2026
Property Address	14 COTTAGE CIR, PELHAM, AL 35124-2604
Document Number	0000055830
Map Reference	MB 12 PG 19
Instrument Date	Feb 19, 2026
Instrument	20260227000055830
Transaction Type	Transfer
Record Updated	Mar 12, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	168 EAGLE COVE DR, PELHAM, AL 35124-2167

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14 COTTAGE CIR, PELHAM, AL 35124-2604

Mortgage

Document Number	0000055840
Date	Feb 27, 2026
Instrument	20260227000055840

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

Tax Assessment & Valuation

Source: Shelby County assessment roll, as of April 21, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$989.00 (+1.75%)	$17,060 (+1.79%)	$170,500 (+1.73%) Land $60,000 Building $110,500
2024	$972.00 (+2%) Homeowner's exemption	$16,760 (+14.17%)	$167,600 (+14.25%) Land $60,000 Building $107,600
2023	$810.00	$14,680	$146,700 Land $50,000 Building $96,700

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.

Flood

Source: FEMA National Flood Hazard Layer, effective January 23, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 39 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	39 in force
Nearby Flood Claims	18 (2021)
Claims Outside the SFHA	8 of 18
Most Recent Claim	Oct 2021 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Oct 2021 · 18 claims

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 Risk	Low lower than 80% of the US · lower than 91% of Alabama
Wildfire Likelihood	0.01% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF PELHAM serves 38,703 people · EPA ID AL0001163
Water Source	Purchased surface water from several systems
Last State Inspection	Jul 2023
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	21 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 389 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20