1403 Co Rd 278, Five Points, AL 36855 Property Records

Chambers County property record for 1403 Co Rd 278, Five Points, AL 36855

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,794 sqft · built 1995
Lot Size	2.1 acres (91,476 sqft)
Owner	Individual Name on Record
Last Sale	$171,000 (Jul 2020)
Tax Bill	$607 (2026)
Deeds & Mortgages	Dec 2021 Mortgage Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12-01-05-22-0-001-008.002`

Property Details

APN / Parcel Number

Primary APN	`12-01-05-22-0-001-008.002`
Alternative APNs	`0105220001008002` `450890`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,794 sqft Living Area
1st Floor Area	1,794 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	91,476 sqft (2.1 acres)
Lot Dimensions	583 ft deep x 175 ft wide
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio
Porch Area	239 sqft
Utility Building	52 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	450890
Street Address	1403 COUNTY ROAD 278
City	FIVE POINTS
State	AL
Zip	36855-3014
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEG 33.57' E OF SW COR OF NW1/4 OF SW1/4, RUN NE'LY582.53' TO CO. ROAD 278, SE'LY ALONG ROAD175', SW'LY489.67', W188' TO P.O.
Legal Range	28
Legal Township	24
Legal Section	22
Jurisdiction	CHAMBERS AL
Township / Civil Division	FIVE POINTS
Census Block Group	1
Census Block	1043
Census Tract	953800

Owner

Source: Chambers 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	Individual Name on Record
Mailing Address	1403 COUNTY ROAD 278, FIVE POINTS, AL 36855-3014
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 7, 2021	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Jul 20, 2020	Warranty Deed, Transfer · VA Mortgage PRIMARY RESIDENTIAL MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 20, 2020 · Amount on Record
Deed Sale	Jul 20, 2020 · Amount on Record
Deed Book / Page	2020 / 2843
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMBERS AL
Property Address	1403 COUNTY ROAD 278, FIVE POINTS, AL 36855-3014
Transaction Type	Mortgage
Record Updated	Jan 21, 2022
Title Company	COMMONWEALTH USA SETTLEMENTS L, COMMONWEALTH USA STLMTS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02021/4854
Date	Dec 7, 2021
Book Page	2021/4854

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2051

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMBERS AL
Recording Date	Jul 20, 2020
Property Address	1403 COUNTY ROAD 278, FIVE POINTS, AL 36855-3014
Document Number	02020/2843
Book / Page	2020 / 2843
Instrument Date	Jul 15, 2020
Transaction Type	Transfer
Record Updated	Jan 21, 2022
Title Company	FIRST AMERICAN

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1403 COUNTY ROAD 278, FIVE POINTS, AL 36855-3014

Mortgage

Document Number	0020202844
Date	Jul 20, 2020
Instrument	2020/2844

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

Source: Chambers County assessment roll, as of May 12, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$607.00 (+7.43%) Homeowner's exemption Senior Citizen's exemption
2025	$565.00	$33,868 (+99.93%) Land $2,200 Building $31,668	$169,340 (-0.02%) Land $11,000 Building $158,340
2024	$565.00 Additional exemption filed	$16,940 (-) Land $1,100 Building $15,840	$169,380 (-) Land $11,030 Building $158,350
2023	$565.00 Additional exemption filed	$16,940 (-) Land $1,100 Building $15,840	$169,380 (-) Land $11,030 Building $158,350
2022	$565.00 Additional exemption filed	$16,940 Land $1,100 Building $15,840	$169,380 Land $11,030 Building $158,350

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 February 18, 2011 · 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

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	0.1% annual chance
Exposure	Direct burnable vegetation

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	EAST ALABAMA, WATER & FIRE PRO DISTRICT serves 17,532 people · EPA ID AL0000174
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2023
Lead	2 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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TEC Fiber	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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