1545 Mountain Top Loop, Pell City, AL 35128 Property Records

St. Clair County property record for 1545 Mountain Top Loop, Pell City, AL 35128

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,941 sqft · built 2022
Lot Size	4.4 acres (191,664 sqft)
Owner	2 Individual Names on File
Tax Bill	$948 (2025)
Deeds & Mortgages	Oct 2022 Mortgage Nov 2021 Construction Loan + 5 more
Flood Zone	Zone X (minimal risk)
APN	`27-01-11-0-000-010.000`

Property Details

APN / Parcel Number

Primary APN	`27-01-11-0-000-010.000`
Alternative APNs	`00512606` `512606` `27910`

Interior

Full Baths	1 Bath
Building Area	1,941 sqft Living Area
1st Floor Area	1,782 sqft
Upper Floors Area	529 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	191,664 sqft (4.4 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	00512606
Street Address	1545 MOUNTAIN TOP LOOP
City	PELL CITY
State	AL
Zip	35128-6249
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM SW COR SW NE E 1270.78' N 702.71' TO POB SW 230.41' SW 309.93' SW 199.46' SW 103.99' NLY ALG RW 673.19' E 531.57' TO POB
Legal Range	02E
Legal Township	17S
Legal Section	11
Jurisdiction	ST CLAIR AL
Township / Civil Division	MOODY
Census Block Group	2
Census Block	2029
Census Tract	40105

Owner

Source: St. Clair County records · APN 27-01-11-0-000-010.000

Assessment roll updated August 4, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	1545 MOUNTAIN TOP LOOP, PELL CITY, AL 35128-6249
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2022	Deed of Trust, Mortgage · VA Mortgage COOSA VALLEY FCU
Nov 16, 2021	Deed of Trust, Mortgage · Construction Mortgage METRO BANK
Aug 14, 2020	Deed of Trust, Mortgage METRO BK
Jul 14, 2020	Deed of Trust, Mortgage · Line of Credit FARM CREDIT SVCS
May 26, 2020	Warranty Deed, Transfer · Conventional with PMI NANCY S FINCHER
May 26, 2020	Warranty Deed, Transfer ATTORNEY ONLY
Apr 03, 2020	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Jul 08, 2005
Transfer Doc	0000009201
Record Updated	Sep 20, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR AL
Property Address	1545 MOUNTAIN TOP LOOP, PELL CITY, AL 35128-6249
Transaction Type	Mortgage
Record Updated	Mar 29, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000050190
Date	Oct 14, 2022
Book Page	MTG 2022/50190

Lender

Name	COOSA VALLEY FCU
Type	Credit Union
Address	PELL CITY, AL 35128

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2052

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR AL
Property Address	1545 MOUNTAIN TOP LOOP, PELL CITY, AL 35128-6249
Transaction Type	Mortgage
Record Updated	Mar 29, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	130 KENDRICK MILL RD, VINCENT, AL 35178-9629

Mortgage

Document Number	0000076906
Date	Nov 16, 2021
Book Page	MTG 2021/76906

Lender

Name	METRO BANK
Type	Bank
Address	MOODY, AL 35004

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR AL
Property Address	1545 MOUNTAIN TOP LOOP, PELL CITY, AL 35128
Document Number	0000043314
Instrument Date	Aug 14, 2020
Transaction Type	Mortgage
Record Updated	Sep 28, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	220 THORNWOOD DR ACWORTH GA 301017930, ACWORTH, GA 30101-7930

Mortgage

Document Number	0000043314
Date	Aug 25, 2020
Instrument	43314

Lender

Name	METRO BK
Type	Bank
Address	PELL CITY, AL 35128

Agreement

Amount	Amount Recorded

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR AL
Property Address	1545 MOUNTAIN TOP LOOP, PELL CITY, AL 35128
Document Number	0000034412
Instrument Date	Jul 14, 2020
Transaction Type	Mortgage
Record Updated	Sep 04, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4036 WELLINGTON WAY MOODY AL 350043507, MOODY, AL 35004-3507

Mortgage

Document Number	0000034412
Date	Jul 17, 2020
Instrument	34412

Lender

Name	FARM CREDIT SVCS
Type	Funding / Finance Company
Address	CULLMAN, AL 35056-0639

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jul 16, 2040

Interest

Rate Type	Adjustable Rate

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR AL
Recording Date	May 26, 2020
Property Address	1545 MOUNTAIN TOP LOOP, PELL CITY, AL 35128
Document Number	0000005136
Instrument Date	May 22, 2020
Instrument	5136
Transaction Type	Transfer
Record Updated	Jun 09, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$30.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3328 BYARS RD MOODY AL 350042653, MOODY, AL 35004-2653

Mortgage

Document Number	23019
Date	May 26, 2020
Instrument	23019

Lender

Name	NANCY S FINCHER
Special Notes	Seller Financed

Agreement

Type	Conventional with PMI
Amount	Amount Recorded

Interest

Rate	5%

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR AL
Recording Date	May 26, 2020
Property Address	1545 MOUNTAIN TOP LOOP, PELL CITY, AL 35128
Document Number	0000005113
Instrument Date	May 22, 2020
Instrument	5113
Transaction Type	Transfer
Record Updated	Jun 09, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$29.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 THORNWOOD DR ACWORTH GA 301017930, ACWORTH, GA 30101-7930

April 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST CLAIR AL
Recording Date	Apr 03, 2020
Property Address	1545 MOUNTAIN TOP LOOP, PELL CITY, AL 35128
Document Number	0000003601
Instrument Date	Apr 02, 2020
Instrument	3601
Transaction Type	Transfer
Record Updated	Jun 29, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$132.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4036 WELLINGTON WAY MOODY AL 350043507, MOODY, AL 35004-3507

Tax Assessment & Valuation

Source: St. Clair County records · Assessment roll updated August 4, 2026 · Last verified August 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$948.00 (+303.4%)	$27,680 (-50.45%)	$276,800 (-0.89%) Land $35,200 Building $241,600
2023		$55,858 Land $7,040 Building $48,818	$279,290 Land $35,200 Building $244,090
2022	$235.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of August 22, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2003)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2003 · Severe Storms, Tornadoes, And Flooding

Wildfire

Wildfire Risk	Moderate above 59% of the US · above 76% of Alabama
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Coosa Valley Technologies Fiber	1,000 / 1,000
Cable One Cable	1,000 / 50

Based on FCC filings for 13 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

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