1540 Central Rd, Eclectic, AL 36024 Property Records

Elmore County property record for 1540 Central Rd, Eclectic, AL 36024 · Last verified March 2026

Property Summary

Property Type	Single Family Home
Details	3 ba · 3,007 sqft · built 1978
Lot Size	5 acres (217,800 sqft)
Owner	Individual Name on File
Last Sale	$270,000 (Jun 2020)
Tax Bill	$1,026 (2025)
Deeds & Mortgages	Sep 2023 Line of Credit Jul 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`11-02-04-0-000-003.003`

Property Details

APN / Parcel Number

Primary APN	`11-02-04-0-000-003.003`
Alternative APN	`12700`

Interior

Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,007 sqft Living Area
1st Floor Area	2,461 sqft
Upper Floors Area	837 sqft
Basement Area	780 sqft
Finished Basement	780 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 2004
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Asphalt
Lot Area	217,800 sqft (5 acres)
Terrain	Other
Garage Type	Attached
Garage Area	780 sqft

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Pool Area	648 sqft
Porch	Open Porch
Porch Area	318 sqft
Deck Area	105 sqft
Patio Area	105 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	12700
Old Parcel Number	1102040000003003
Street Address	1540 CENTRAL RD
City	ECLECTIC
State	AL
Zip	36024-5203
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	5 ACRES SEC 4 T19 R20
Legal Range	20
Legal Township	19N
Legal Section	04
Jurisdiction	ELMORE AL
Township / Civil Division	ECLECTIC
Census Block Group	1
Census Block	1058
Census Tract	30500

Owner

Source: Elmore County records · APN 11-02-04-0-000-003.003

Assessment roll updated January 1, 2025 · Last verified March 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 File
Co-owner	Verified Secondary Owner
Mailing Address	1540 CENTRAL RD, ECLECTIC, AL 36024-5203
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 18, 2023	Deed of Trust, Mortgage · Line of Credit GUARDIAN CU
Jul 01, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN CU
Jun 26, 2020	Warranty Deed, Transfer · Conventional Mortgage GUARDIAN CU
Nov 15, 2019	Warranty Deed, Transfer · FHA Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 26, 2020 · Amount on Record
Deed Sale	Jun 26, 2020 · Amount on Record
Prior Sale	Nov 15, 2019 · Amount on Record
Deed Document Number	MLS-472342
Deed Book / Page	2020 / 42533
Record Updated	Jun 08, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELMORE AL
Property Address	1540 CENTRAL RD, ECLECTIC, AL 36024-5203
Transaction Type	Mortgage
Record Updated	Oct 09, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2023/42361
Date	Sep 18, 2023
Book Page	2023/42361

Lender

Name	GUARDIAN CU
Type	Credit Union
Address	MONTGOMERY, AL 36109

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	181 Months
Due	Oct 01, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELMORE AL
Property Address	1540 CENTRAL RD, ECLECTIC, AL 36024-5203
Transaction Type	Mortgage
Record Updated	Jul 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021/56126
Date	Jul 01, 2021
Book Page	2021/56126

Lender

Name	GUARDIAN CU
Type	Credit Union
Address	MONTGOMERY, AL 36104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2051

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ELMORE AL
Recording Date	Jun 26, 2020
Property Address	1540 CENTRAL RD, ECLECTIC, AL 36024-5203
Document Number	2020/42533
Book / Page	2020 / 42533
Instrument Date	Jun 26, 2020
Transaction Type	Transfer
Record Updated	Mar 03, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	241 N US HIGHWAY 84473, 241, SNYDER, TX 79549

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	1540 CENTRAL RD, ECLECTIC, AL 36024-5203

Mortgage

Document Number	0202042537
Date	Jun 26, 2020
Instrument	2020/42537

Lender

Name	GUARDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2050

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Type Change Date	Jul 01, 2025
Change Frequency	5 Years
Min Rate At Change	3.25%
Max Rate At Change	7.25%
Index	Prime Rate
Max Rate	11.2%

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ELMORE AL
Recording Date	Nov 15, 2019
Property Address	1540 CENTRAL RD, ECLECTIC, AL 36024-5203
Document Number	2019/62072
Book / Page	2019 / 62072
Instrument Date	Nov 15, 2019
Transaction Type	Transfer
Record Updated	Mar 03, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	140 SANDERS RD, 140, EQUALITY, AL 36026-2711

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	1540 CENTRAL RD, ECLECTIC, AL 36024-5203

Mortgage

Document Number	0201962076
Date	Nov 15, 2019
Instrument	2019/62076

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2049

Tax Assessment & Valuation

Source: Elmore County records · Assessment roll updated January 1, 2025 · Last verified March 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,026.00 (+4.06%)	$40,780 (+4.08%)	$407,540 (+4.09%) Land $58,090 Building $349,450
2024	$986.00 (-1.1%)	$39,180 (-1%)	$391,540 (-1.06%) Land $58,090 Building $333,450
2023	$997.00 (+11.15%)	$39,574 (+11.09%) Land $5,809 Building $33,765	$395,740 (+11.09%) Land $58,090 Building $337,650
2022	$897.00	$35,623 Land $4,366 Building $31,257	$356,230 Land $43,660 Building $312,570

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Elmore County (01051C), updated February 20, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Moderate above 67% of the US · above 87% of Alabama
Wildfire Likelihood	About 1 in 373 per year
Exposure	Direct burnable vegetation at the parcel

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

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 6 locations within about half a mile of this property, a small sample

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 35

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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