1458 Rivercrest Dr, Vincent, AL 35178 Property Records

St. Clair County property record for 1458 Rivercrest Dr, Vincent, AL 35178

Property Summary

Property Type	Single Family Home
Details	2 ba · 3,846 sqft · built 2000
Lot Size	1 acres (43,651 sqft)
Owner	Individual Name on Record
Last Sale	$738,000 (Mar 2022)
Tax Bill	$2,415 (2025)
Deeds & Mortgages	Jan 2024 Line of Credit May 2022 Line of Credit + 6 more
Flood Zone	Zone X (minimal risk)
APN	`31-05-22-0-001-007.000`

Property Details

APN / Parcel Number

Primary APN	`31-05-22-0-001-007.000`
Alternative APNs	`507300` `35958`

Interior

Full Baths	2 Baths
Half Baths	2 Half Baths
Stories	1 Story
Building Area	3,846 sqft Heated Area
1st Floor Area	2,008 sqft
Upper Floors Area	1,376 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	43,651 sqft (1 acres)
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1458 RIVERCREST DR
City	VINCENT
State	AL
Zip	35178-9244
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 6 TWIN ISLE EST S/D 22-18-3
Legal Range	03E
Legal Township	18S
Legal Section	22
Legal Subdivision	TWIN ISLE EST
Legal Lot Number	6
Jurisdiction	ST CLAIR AL
Township / Civil Division	PELL CITY
Census Block Group	1
Census Block	1018
Census Tract	40213

Owner

Source: St. Clair County records, as of April 17, 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	1458 RIVERCREST DR, VINCENT, AL 35178-9244
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 5, 2024	Deed of Trust, Mortgage · Line of Credit ALABAMA ONE CU
May 2, 2022	Deed of Trust, Mortgage · Line of Credit AMERICAS FIRST FCU
Mar 31, 2022	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE
Jun 23, 2021	Warranty Deed, Transfer · Commercial Mortgage METRO BANK
Jun 4, 2019	Deed of Trust, Mortgage · Reverse Mortgage COMMUNITY FIRST NATIONAL BANK
Sep 4, 2020	Deed of Trust, Mortgage · Reverse Mortgage MAGNOLIA BANK
Aug 26, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
May 3, 2019	Deed of Trust, Mortgage · FHA Mortgage FEDERAL HSNG COMMISSIONER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 31, 2022 · Amount on Record
Deed Sale	Mar 31, 2022 · Amount on Record
Prior Sale	Jun 23, 2021 · Amount on Record
Deed Book / Page	2022 / 4601
Prior Transfer Date	Jun 17, 2021
Prior Transfer Doc	0000008140
Record Updated	Jun 8, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR AL
Property Address	1458 RIVERCREST DR, VINCENT, AL 35178-9244
Transaction Type	Mortgage
Record Updated	Feb 8, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000504
Date	Jan 5, 2024
Book Page	2024/504

Lender

Name	ALABAMA ONE CU
Type	Credit Union
Address	1215 VETERANS MEMORIAL PKWY, TUSCALOOSA, AL 35404

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	239 Months
Due	Dec 13, 2043

Interest

Change Frequency	Monthly

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR AL
Property Address	1458 RIVERCREST DR, VINCENT, AL 35178-9244
Transaction Type	Mortgage
Record Updated	Jun 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000025175
Date	May 2, 2022
Book Page	MTG 2022/25175

Lender

Name	AMERICAS FIRST FCU
Type	Credit Union
Address	BIRMINGHAM, AL 35203

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	179 Months
Due	Apr 20, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR AL
Recording Date	Mar 31, 2022
Property Address	1458 RIVERCREST DR, VINCENT, AL 35178-9244
Document Number	0000004602
Book / Page	DEED 2022 / 4602
Map Reference	MB 1962 B PG 17
Instrument Date	Mar 25, 2022
Transaction Type	Transfer
Record Updated	Jun 29, 2023

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	PO BOX 1213, TRUSSVILLE, AL 35173-6101

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1458 RIVERCREST DR, VINCENT, AL 35178-9244

Mortgage

Document Number	MTG202218241
Date	Mar 31, 2022
Instrument	MTG 2022/18241

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR AL
Recording Date	Jun 23, 2021
Property Address	1458 RIVERCREST DR, VINCENT, AL 35178-9244
Document Number	0000008140
Book / Page	DEED 2021 / 8140
Map Reference	MB 1962 B PG 17
Instrument Date	Jun 17, 2021
Transaction Type	Transfer
Record Updated	Jun 29, 2023

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	2582 SLASHAM RD, ASHVILLE, AL 35953-4655

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	PO BOX 1213, TRUSSVILLE, AL 35173-6101
Investor	Possibly a Property Investor

Mortgage

Document Number	MTG202142755
Date	Jun 23, 2021
Instrument	MTG 2021/42755

Lender

Name	METRO BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR AL
Property Address	1458 RIVERCREST DR, VINCENT, AL 35178-9244
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	VANTAGE POINT TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000019108
Date	Jun 4, 2019
Book Page	MTG 2019/19108

Lender

Name	COMMUNITY FIRST NATIONAL BANK
Type	Bank
Address	OVERLAND PARK, KS 66210

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	884 Months
Due	Feb 7, 2093

Interest

Rate Type	Adjustable Rate
Rate	4.46%
Type Change Date	Jun 1, 2020
Change Frequency	Annually
Index	1-Year LIBOR

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR AL
Property Address	1458 RIVERCREST DR, VINCENT, AL 35178-9244
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FNC TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1458 RIVERCREST DR, VINCENT, AL 35178-9244

Mortgage

Document Number	0000045401
Date	Sep 4, 2020
Book Page	MTG 2020/45401

Lender

Name	MAGNOLIA BANK
Type	Bank
Address	MAGNOLIA, KY 42757

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	869 Months
Due	Feb 7, 2093

Interest

Rate Type	Adjustable Rate
Rate	2.94%
Type Change Date	Sep 1, 2021
Change Frequency	Annually
Index	1-Year LIBOR

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR AL
Property Address	1458 RIVERCREST DR, VINCENT, AL 35178-9244
Document Number	0000045415
Instrument Date	Aug 26, 2020
Transaction Type	Mortgage
Record Updated	Oct 23, 2020
Title Company	FNC TITLE SERVICES, FNC TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1458 RIVERCREST DR VINCENT AL 351789244, VINCENT, AL 35178-9244

Mortgage

Document Number	0000045415
Date	Sep 4, 2020
Instrument	45415

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	876 Months
Due	Sep 3, 2093

Interest

Rate Type	Adjustable Rate
Rate	2.94%

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR AL
Property Address	1458 RIVERCREST DR, VINCENT, AL 35178-9244
Document Number	0000019124
Instrument Date	May 3, 2019
Transaction Type	Mortgage
Record Updated	Jul 22, 2019
Title Company	VANTAGE PT TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1458 RIVERCREST DR VINCENT AL 351789244, VINCENT, AL 35178-9244

Mortgage

Document Number	0000019124
Date	Jun 4, 2019
Instrument	19124

Lender

Name	FEDERAL HSNG COMMISSIONER
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	888 Months
Due	Jun 3, 2093

Interest

Rate Type	Adjustable Rate
Rate	4.46%

Tax Assessment & Valuation

Source: St. Clair County assessment roll, as of April 17, 2026

Property Jurisdictions

Type	Name
State	Alabama
County	St. Clair County
Unified School District	Pell City City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,415.00 (+29.14%)	$68,420 (-49.99%)	$684,100 (-)
2023		$136,820 (+31.66%) Land $39,200 Building $97,620	$684,100 (+31.66%) Land $196,000 Building $488,100
2022	$1,870.00	$103,922 Land $31,200 Building $72,722	$519,610 Land $156,000 Building $363,610

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 August 22, 2024 · 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 35 policies
Nearby Flood Policies	35 in force
Nearby Flood Claims	1 (2024)
Most Recent Claim	Jul 2024 · rainfall accumulation

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 99.1% of the US · lower than 99.8% of Alabama
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	NEW LONDON WATER & FP AUTHORITY serves 6,843 people · EPA ID AL0001437
Water Source	Groundwater
Last State Inspection	Dec 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	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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 44 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Sparklight Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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