1450 Co Rd 286, Five Points, AL 36855 Property Records

Chambers County property record for 1450 Co Rd 286, Five Points, AL 36855

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,232 sqft · built 1997
Lot Size	0.7 acres (30,492 sqft)
Owner	Individual Name on Record
Last Sale	$180,000 (Jul 2023)
Tax Bill	$997 (2026)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Aug 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`12-01-08-28-0-001-007.009`

Property Details

APN / Parcel Number

Primary APN	`12-01-08-28-0-001-007.009`
Alternative APNs	`0108280001007009` `450950` `489450`

Interior

Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,232 sqft Living Area
1st Floor Area	1,232 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	30,492 sqft (0.7 acres)
Lot Dimensions	207 ft deep x 158 ft wide
Garage Type	Mixed
Garage Area	264 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	280 sqft
Utility Building	72 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	489450
Street Address	1450 COUNTY ROAD 286
City	FIVE POINTS
State	AL
Zip	36855-2923
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	START AT INT OF N MARGIN OF CO. ROAD 286 & E LINE OF SE1/4, RUN NW'LY ALONG ROAD 1831.37' TO P.O.B., RUN NW'LY ALONG ROAD 157
Legal Range	28
Legal Township	24
Legal Section	28
Jurisdiction	CHAMBERS AL
Township / Civil Division	FIVE POINTS
Census Block Group	1
Census Block	1051
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	1450 COUNTY ROAD 286, FIVE POINTS, AL 36855-2923
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2023	Warranty Deed, Transfer · FHA Mortgage STATEWIDE MORTGAGE LLC
Aug 12, 2022	Deed of Trust, Mortgage · VA Mortgage VILLAGE CAPITAL & INVESTMENT LLC
Jul 21, 2021	Deed of Trust, Mortgage · VA Mortgage VILLAGE CAPITAL & INVESTMENT LLC
Nov 26, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage STATEWIDE MORTGAGE
Jul 24, 2019	Executor's Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 27, 2023 · Amount on Record
Deed Sale	Jul 27, 2023 · Amount on Record
Prior Sale	Nov 26, 2019 · Amount on Record
Deed Document Number	20233357
Record Updated	Oct 29, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMBERS AL
Recording Date	Jul 27, 2023
Property Address	1450 COUNTY ROAD 286, FIVE POINTS, AL 36855-2923
Document Number	02023/3357
Book / Page	2023 / 3357
Instrument Date	Jul 18, 2023
Transaction Type	Transfer
Record Updated	Aug 22, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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
Address	1450 COUNTY ROAD 286, FIVE POINTS, AL 36855-2923

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1450 COUNTY ROAD 286, FIVE POINTS, AL 36855-2923

Mortgage

Document Number	0020233358
Date	Jul 27, 2023
Instrument	2023/3358

Lender

Name	STATEWIDE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMBERS AL
Property Address	1450 COUNTY ROAD 286, FIVE POINTS, AL 36855-2923
Transaction Type	Mortgage
Record Updated	Sep 14, 2022
Title Company	MADISON SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02022/3832
Date	Aug 12, 2022
Book Page	2022/3832

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC
Type	Mortgage Company
Address	89071

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jul 1, 2052

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMBERS AL
Property Address	1450 COUNTY ROAD 286, FIVE POINTS, AL 36855-2923
Transaction Type	Mortgage
Record Updated	Aug 12, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE NCS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021/2762
Date	Jul 21, 2021
Book Page	2021/2762

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC
Type	Mortgage Company
Address	HENDERSON, NV 89074

Agreement

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

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMBERS AL
Recording Date	Nov 26, 2019
Property Address	1450 COUNTY ROAD 286, FIVE POINTS, AL 36855-2923
Document Number	02019/4840
Book / Page	2019 / 4840
Instrument Date	Nov 21, 2019
Transaction Type	Transfer
Record Updated	Jan 21, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1450 COUNTY ROAD 286, FIVE POINTS, AL 36855-2923

Mortgage

Document Number	0020194841
Date	Nov 26, 2019
Instrument	2019/4841

Lender

Name	STATEWIDE MORTGAGE

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Mortgage

Document Number	02019/4840
Date	Nov 26, 2019
Book Page	2019/4840

Lender

Name	STATEWIDE MORTGAGE

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

July 2019: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	CHAMBERS AL
Recording Date	Jul 24, 2019
Property Address	1450 COUNTY ROAD 286, FIVE POINTS, AL 36855-2923
Document Number	02019/3159
Book / Page	2019 / 3159
Instrument Date	Jun 26, 2019
Transaction Type	Transfer
Record Updated	Jan 21, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1450 COUNTY ROAD 286, FIVE POINTS, AL 36855-2923

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	$997.00 (+6.86%)
2025	$933.00 (-9.42%)	$21,960 (+0.09%) Land $1,160 Building $20,800	$109,800 (+0.11%) Land $5,800 Building $104,000
2024	$1,030.00 (+159.45%) Additional exemption filed	$21,940 (+99.09%) Land $1,140 Building $20,800	$109,680 (-0.54%) Land $5,680 Building $104,000
2023	$397.00 Additional exemption filed	$11,020 (-) Land $620 Building $10,400	$110,270 (-) Land $6,270 Building $104,000
2022	$397.00 Additional exemption filed	$11,020 Land $620 Building $10,400	$110,270 Land $6,270 Building $104,000

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

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 56% of the US · above 71% 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 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TEC Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

4G LTE only, no 5G reported

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