Chilton County property record for 1403 Lay Dam Rd, Clanton, AL 35045
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,433 sqft · built 1900 |
| Lot Size | 0.54 acres (23,681 sqft) |
| Owner | Individual Name on File |
| Last Sale | $209,000 (Mar 2023) |
| Tax Bill | $629 (2025) |
| Deeds & Mortgages | Mar 2022 Mortgage Mar 2023 Sale & Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 1107251000018000 |
| Primary APN | 1107251000018000 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Half Baths | 3 Half Baths |
| Plumbing Fixtures | 4 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,433 sqft Adjusted Area |
| 1st Floor Area | 1,433 sqft |
| Utility Area | 65 sqft |
| Flooring | Laminate Plank |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 23,681 sqft (0.54 acres) |
| Lot Dimensions | 151 ft deep x 156 ft wide |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 104 sqft |
| Cabin | Cabin |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 10328 |
|---|---|
| Street Address | 1403 LAY DAM RD |
| City | CLANTON |
| State | AL |
| Zip | 35045-2026 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 1 & 2 BLK A J D COLLINS ADD PB 4/23 25-22-14 |
| Legal Range | 14 |
| Legal Township | 22 |
| Legal Section | 25 |
| Legal Subdivision | COLLINS J D ADDITION |
| Legal Block | A |
| Legal Lot Number | 1 |
| Jurisdiction | CHILTON AL |
| Township / Civil Division | CLANTON |
| Census Block Group | 2 |
| Census Block | 2031 |
| Census Tract | 60103 |
1403 Lay Dam Rd is owned and occupied by an individual who bought it in March 2023.
Source: Chilton County records, as of March 31, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1403 LAY DAM RD, CLANTON, AL 35045-2026 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 7, 2022 | Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB |
| Mar 28, 2023 | Warranty Deed, Transfer · Conventional Mortgage ACOPIA LLC |
| Feb 4, 2020 | Warranty Deed, Transfer · FHA Mortgage FLAGSTAR BANK FSB |
| Jan 4, 2019 | Special Warranty Deed, Transfer · FHA Mortgage EVERETT FINANCIAL INC |
| Oct 12, 2018 | Special Warranty Deed, Foreclosure |
| Jul 16, 2018 | Foreclosure |
| Apr 21, 2008 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 28, 2023 · Amount on File |
| Deed Sale | Mar 28, 2023 · Amount on File |
| Prior Sale | Jan 4, 2019 · Amount on File |
| Deed Document Number | 2023252182 |
| Deed Book / Page | 2023 / 252182 |
| Prior Transfer Date | Jan 27, 2020 |
| Prior Transfer Doc | R2020/227269 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHILTON AL |
| Property Address | 1403 LAY DAM RD, CLANTON, AL 35045-2026 |
| Transaction Type | Mortgage |
| Record Updated | Jan 19, 2026 |
| Name | Verified Name |
|---|
| Document Number | R2022/244329 |
|---|---|
| Date | Mar 7, 2022 |
| Book Page | R2022/244329 |
| Instrument | 244329 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHILTON AL |
| Recording Date | Mar 28, 2023 |
| Property Address | 1403 LAY DAM RD, CLANTON, AL 35045-2026 |
| Document Number | R2023/252182 |
| Book / Page | R2023 / 252182 |
| Map Reference | MB 4 PG 23 |
| Instrument Date | Mar 24, 2023 |
| Instrument | 252182 |
| Transaction Type | Transfer |
| Record Updated | Jan 19, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1403 LAY DAM RD, CLANTON, AL 35045-2026 |
| Document Number | 0000252183 |
|---|---|
| Date | Mar 28, 2023 |
| Instrument | 252183 |
| Name | ACOPIA LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHILTON AL |
| Recording Date | Feb 4, 2020 |
| Property Address | 1403 LAY DAM RD, CLANTON, AL 35045-2026 |
| Document Number | R2020/227269 |
| Book / Page | R2020 / 227269 |
| Map Reference | MB 4 PG 23 |
| Instrument Date | Jan 27, 2020 |
| Instrument | 227269 |
| Transaction Type | Transfer |
| Record Updated | Jan 19, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 1403 LAY DAM RD, CLANTON, AL 35045-2026 |
| Document Number | R2020/227270 |
|---|---|
| Date | Feb 4, 2020 |
| Book Page | R2020/227270 |
| Instrument | 227270 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2050 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | CHILTON AL |
| Recording Date | Jan 4, 2019 |
| Property Address | 1403 LAY DAM RD, CLANTON, AL 35045-2026 |
| Document Number | R2019/219269 |
| Book / Page | R2019 / 219269 |
| Map Reference | MB 4 PG 23 |
| Instrument Date | Dec 27, 2018 |
| Instrument | 219269 |
| Transaction Type | Transfer |
| Record Updated | Jan 19, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 40 MARIETTA ST NW, ATLANTA, GA 30303-2812 |
| Name | Verified Name |
|---|---|
| Address | 1403 LAY DAM RD, CLANTON, AL 35045-2026 |
| Document Number | 0000219270 |
|---|---|
| Date | Jan 4, 2019 |
| Instrument | 219270 |
| Name | EVERETT FINANCIAL INC |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2049 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | CHILTON AL |
| Recording Date | Oct 12, 2018 |
| Property Address | 1403 LAY DAM RD, CLANTON, AL 35045-2026 |
| Document Number | R2018/217770 |
| Book / Page | R2018 / 217770 |
| Map Reference | MB 4 PG 23 |
| Instrument Date | Aug 1, 2018 |
| Instrument | 217770 |
| Transaction Type | Foreclosure |
| Record Updated | Mar 31, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $1.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2401 NW 23RD ST STE 1D, 1D, OKLAHOMA CITY, OK 73107-2420 |
| Investor | Possibly a Property Investor |
| Document Type | Foreclosure |
|---|---|
| Jurisdiction | CHILTON AL |
| Recording Date | Jul 16, 2018 |
| Property Address | 1403 LAY DAM RD, CLANTON, AL 35045-2026 |
| Document Number | R2018/215943 |
| Book / Page | R2018 / 215943 |
| Map Reference | MB 4 PG 23 |
| Instrument Date | Jul 11, 2018 |
| Instrument | 215943 |
| Transaction Type | Foreclosure |
| Record Updated | Mar 31, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $1.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1 FOUNTAIN PLZ, BUFFALO, NY 14203-1420 |
| Investor | Possibly a Property Investor |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHILTON AL |
| Recording Date | Apr 21, 2008 |
| Property Address | 1403 LAY DAM RD, CLANTON, AL 35045-2026 |
| Document Number | R2008/140201 |
| Book / Page | R2008 / 140201 |
| Map Reference | MB 4 PG 23 |
| Instrument Date | Apr 16, 2008 |
| Instrument | 140201 |
| Transaction Type | Transfer |
| Record Updated | Mar 31, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $1.00 |
| Amount Accuracy | Partially Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 90 CHEROKEE RD # 303, 303, THORSBY, AL 35171-6848 |
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 1403 Lay Dam Rd was $629, up 6.8% from the year before.
Source: Chilton County assessment roll, as of March 31, 2026
| Type | Name |
|---|---|
| State | Alabama |
| County | Chilton County |
| Municipality | Clanton City |
| Unified School District | Chilton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $629.00 (+6.79%) | $30,780 (-) Land $6,300 Building $24,480 | $153,900 Land $31,500 Building $122,400 |
| 2024 | $589.00 (+13.05%) | $30,780 (+11.68%) Land $6,300 Building $24,480 | |
| 2023 | $521.00 (+10.15%) | $27,560 (+117.87%) Land $6,000 Building $21,560 | $153,900 (+21.66%) Land $31,500 Building $122,400 |
| 2022 | $473.00 | $12,650 Land $3,630 Building $9,020 | $126,500 Land $36,300 Building $90,200 |
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.
FEMA maps place 1403 Lay Dam Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective October 18, 2023 · 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 | 7 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 risk around 1403 Lay Dam Rd is moderate, ranking above 46% of the US, with a 0.08% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 46% of the US · above 52% of Alabama |
|---|---|
| Wildfire Likelihood | 0.08% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF CLANTON, THE WW & SB OF THE serves 13,500 people · EPA ID AL0000213 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Sep 2023 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 70 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Central Access Fiber | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL | 100 / 20 |
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