154 McCay Rd, Locust Fork, AL 35097 Property Records

Blount County property record for 154 McCay Rd, Locust Fork, AL 35097

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,144 sqft · built 1967
Lot Size	1.7 acres (74,052 sqft)
Owner	Individual Name on Record
Tax Bill	$367 (2026)
Deeds & Mortgages	Aug 2024 Mortgage Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21-06-23-0-000-017`

Property Details

APN / Parcel Number

Primary APN	`21-06-23-0-000-017`
Alternative APNs	`013514` `13514` `64909`

Interior

Full Baths	1 Bath
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,144 sqft Living Area
1st Floor Area	1,144 sqft
Flooring	Hardwood
Interior Walls	Plywood

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	74,052 sqft (1.7 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Gravity Furnace

Location & Zoning

Account Number	64909
Street Address	154 MCCAY RD
City	LOCUST FORK
State	AL
Zip	35097-5700
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM SW COR SE/NW E 356 NE 80 TO POB NLY 135 NW 230 WLY 330 ALG MCCAY RD SELY 694 TO POB--
Legal Range	01W
Legal Township	13S
Legal Section	23
Jurisdiction	BLOUNT AL
Township / Civil Division	LOCUST FORK
Census Block Group	3
Census Block	3025
Census Tract	50701

Owner

Source: Blount 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	154 MCCAY RD, LOCUST FORK, AL 35097-5700
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 12, 2024	Deed of Trust, Mortgage · Stand-Alone First Mortgage AMERICAS FIRST FCU
Jul 28, 2020	Warranty Deed, Transfer · Conventional Mortgage PLANET HOME LENDING LLC

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLOUNT AL
Property Address	154 MCCAY RD, LOCUST FORK, AL 35097-5700
Transaction Type	Mortgage
Record Updated	Oct 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	154 MCCAY RD, LOCUST FORK, AL 35097-5700

Mortgage

Document Number	2024/20904
Date	Aug 12, 2024
Book Page	2024/20904
Instrument	10059537

Lender

Name	AMERICAS FIRST FCU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Aug 1, 2034

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLOUNT AL
Recording Date	Jul 28, 2020
Property Address	154 MCCAY RD, LOCUST FORK, AL 35097-5700
Document Number	2020/22394
Book / Page	2020 / 22394
Instrument Date	May 29, 2020
Instrument	10018453
Transaction Type	Transfer
Record Updated	May 30, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020/22397
Date	Jul 28, 2020
Book Page	2020/22397
Instrument	10018454

Lender

Name	PLANET HOME LENDING LLC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jun 1, 2050

Tax Assessment & Valuation

Source: Blount County assessment roll, as of August 25, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$367.00 (+7.94%) Homeowner's exemption
2025	$340.00	$12,260 (-)	$122,560 (-) Land $19,200 Building $103,360
2024	$340.00 (+8.28%) Homeowner's exemption	$12,260 (+6.98%) Land $1,920 Building $10,340	$122,560 (+7%) Land $19,200 Building $103,360
2023	$314.00 (+18.49%) Homeowner's exemption	$11,460 (+15.29%) Land $1,920 Building $9,540	$114,540 (+15.32%) Land $19,200 Building $95,340
2022	$265.00 Homeowner's exemption	$9,940 Land $1,920 Building $8,020	$99,320 Land $19,200 Building $80,120

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Moderate above 54% of the US · above 67% 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	PINE BLUFF WATER AUTHORITY serves 6,330 people · EPA ID AL0000104
Water Source	Purchased surface water from several systems
Last State Inspection	May 2024
Lead	1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	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 34 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000

Cell Coverage

5G (outdoors only) and 4G LTE

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