155 Toe River Rd, Cropwell, AL 35054 Property Records

St. Clair County property record for 155 Toe River Rd, Cropwell, AL 35054

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 3,419 sqft · built 2017
Lot Size	3.13 acres (136,343 sqft)
Owner	Individual Name on File
Last Sale	$259,500 (Jun 2019)
Tax Bill	$1,779 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Jan 2020 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`28-08-28-0-000-012.005`

Property Details

APN / Parcel Number

Primary APN	`28-08-28-0-000-012.005`
Alternative APNs	`523905` `57800`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,419 sqft Heated Area
1st Floor Area	1,859 sqft
Upper Floors Area	1,560 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Fiber Cement Siding
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	136,343 sqft (3.13 acres)
Pool Type	In-Ground Vinyl Pool
Pool Area	500 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	155 TOE RIVER RD
City	CROPWELL
State	AL
Zip	35054-4246
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 5 TOE RIVER REVISED MB 2006-13 28-17-3
Legal Range	03E
Legal Township	17S
Legal Section	28
Legal Subdivision	TOE RIVER S/D REVISED
Legal Lot Number	5
Jurisdiction	ST CLAIR AL
Township / Civil Division	PELL CITY
Census Block Group	1
Census Block	1052
Census Tract	40209

Owner

155 Toe River Rd is owned and occupied by an individual who bought it in June 2019.

Source: St. Clair County records, as of April 17, 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	155 TOE RIVER RD, CROPWELL, AL 35054-4246
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Jan 22, 2020	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
Jun 4, 2019	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Mar 15, 2018	Grant Deed, Transfer ATTORNEY ONLY
May 25, 2017	Deed of Trust, Mortgage · Conventional Mortgage JOEY L BAGWELL

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 4, 2019 · Amount on File
Deed Sale	Jun 4, 2019 · Amount on File
Prior Sale	Mar 15, 2018 · Amount on File
Deed Book / Page	2019 / 6404
Prior Transfer Date	Mar 14, 2018
Prior Transfer Doc	0000002635
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR AL
Property Address	155 TOE RIVER RD, CROPWELL, AL 35054-4246
Transaction Type	Mortgage
Record Updated	Mar 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013829
Date	Feb 26, 2021
Book Page	MTG 2021/13829

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR AL
Property Address	155 TOE RIVER RD, CROPWELL, AL 35054-4246
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003078
Date	Jan 22, 2020
Book Page	MTG 2020/03078

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Feb 7, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR AL
Recording Date	Jun 4, 2019
Property Address	155 TOE RIVER RD, CROPWELL, AL 35054-4246
Document Number	0000006404
Book / Page	DEED 2019 / 06404
Map Reference	MB 2006 PG 13
Instrument Date	May 31, 2019
Transaction Type	Transfer
Record Updated	Oct 4, 2022
Title Company	NATIONAL TTL & APPRAISAL INC

Transaction

Amount	Amount 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	155 TOE RIVER RD, 155, CROPWELL, AL 35054-4246

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	494 CARLTON CT SW, OCEAN ISLE BEACH, NC 28469-6142

Mortgage

Document Number	MTG201919081
Date	Jun 4, 2019
Instrument	MTG 2019/19081

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2049

March 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST CLAIR AL
Recording Date	Mar 15, 2018
Property Address	155 TOE RIVER RD, CROPWELL, AL 35054-4246
Document Number	0000002635
Instrument Date	Mar 14, 2018
Instrument	2635
Transaction Type	Transfer
Record Updated	Apr 18, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$40.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	155 TOE RIVER RD CROPWELL AL 350544246, CROPWELL, AL 35054-4246

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR AL
Property Address	155 TOE RIVER RD, CROPWELL, AL 35054-4246
Document Number	0000018934
Instrument Date	May 25, 2017
Transaction Type	Mortgage
Record Updated	Jul 31, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife

Mortgage

Document Number	0000018934
Date	Jun 5, 2017
Instrument	18934

Lender

Name	JOEY L BAGWELL

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jun 4, 2037

Tax Assessment & Valuation

The 2025 property tax bill for 155 Toe River Rd was $1,779 with exemptions applied.

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	$1,779.00	$61,080	$610,850
2023		$122,170 Land $9,800 Building $112,370	$610,850 Land $49,000 Building $561,850
2022	$1,505.00

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 155 Toe River Rd in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	4 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 155 Toe River Rd is moderate, ranking above 63% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 63% of the US · above 81% of Alabama
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 28 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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