1520 Western Ln, Southside (Gadsden), AL 35907 Property Records

Etowah County property record for 1520 Western Ln, Southside, AL 35907

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,151 sqft · built 1980
Lot Size	0.32 acres (14,000 sqft)
Owner	Individual Name on File
Tax Bill	$1,062 (2026)
Deeds & Mortgages	Jan 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21-03-07-0-001-013.065`

Property Details

APN / Parcel Number

Primary APN	`21-03-07-0-001-013.065`
Alternative APNs	`242410` `60789`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,151 sqft Living Area
1st Floor Area	1,208 sqft
2nd Floor Area	943 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Exterior Material	Wood
Construction Type	Wood
Foundation Type	Block
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	14,000 sqft (0.32 acres)
Lot Dimensions	224 ft deep x 62 ft wide
Pool Type	In-Ground Vinyl Pool
Pool Area	648 sqft
Utility Building	96 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	242410
Street Address	1520 WESTERN LN
City	GADSDEN
State	AL
Zip	35907-7045
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	H/S BASE YEAR LT 71 WESTERN HILLS SUB 1ST ADD PART B PLAT I-120 7-13-6 1322-927,929,1584-259,D-2006-3247630,D-2020-3496469
Legal Range	6E
Legal Township	13S
Legal Section	7
Legal Subdivision	WESTERN HILLS 1ST ADD PART B
Legal Lot Number	71
Jurisdiction	ETOWAH AL
Township / Civil Division	GADSDEN
Census Block Group	1
Census Block	1034
Census Tract	10504

Owner

1520 Western Ln is owned and occupied by an individual.

Source: Etowah County records, as of October 20, 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	1520 WESTERN LN, GADSDEN, AL 35907-7045
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ETOWAH AL
Recording Date	Jan 16, 2020
Property Address	1520 WESTERN LN, SOUTHSIDE, AL 35907-7045
Document Number	0003496469
Instrument Date	Jan 15, 2020
Instrument	3496469
Transaction Type	Transfer
Record Updated	Mar 22, 2024

Transaction

Amount	Amount on Record
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	230 OAK RIVER DR, GADSDEN, AL 35901-9315

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1520 WESTERN LN, SOUTHSIDE, AL 35907-7045

Mortgage

Document Number	0003496470
Date	Jan 16, 2020
Instrument	3496470

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 1520 Western Ln was $1,062 with a homeowner's exemption, down 13.1% from the year before.

Source: Etowah County assessment roll, as of June 23, 2026

Property Jurisdictions

Type	Name
State	Alabama
County	Etowah County
Municipality	Southside City
Unified School District	Etowah County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,062.00 (-13.09%) Homeowner's exemption
2025	$1,222.00 Homeowner's exemption	$31,000 Land $2,640 Building $28,360	$309,800 Land $26,300 Building $283,500
2023	$1,163.00 (+16.53%) Homeowner's exemption	$29,560 (+21.4%) Land $2,630 Building $26,930	$295,600 (+21.4%) Land $26,300 Building $269,300
2022	$998.00	$24,350 Land $2,630 Building $21,720	$243,500 Land $26,300 Building $217,200

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.

Flood

FEMA maps place 1520 Western Ln in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 21, 2019 · 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	8 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

Wildfire risk around 1520 Western Ln is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · lower than 80% of Alabama
Wildfire Likelihood	0.03% 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	SOUTHSIDE WATER WORKS AND SEWER BOARD serves 12,327 people · EPA ID AL0000591
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	1 ppb (2024) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 39 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Western Ln

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