Elmore County property record for 156 Rays Cv, Wetumpka, AL 36092
| Property Type | Single Family Home |
|---|---|
| Details | 3,143 sqft · built 2023 |
| Owner | 2 Individual Names on Record |
| Last Sale | $55,000 (Oct 2013) |
| Tax Bill | $275 (2023) |
| Deeds & Mortgages | Jun 2026 Mortgage Jan 2023 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-04-20-0-001-042.001 |
| Primary APN | 13-04-20-0-001-042.001 |
|---|
| Building Area | 3,143 sqft Living Area |
|---|---|
| Fireplace | Fireplace |
| Year Built | Built 2023 |
|---|---|
| Garage Type | Attached |
| Porch | Open Porch |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Floor/Wall Furnace |
| Street Address | 156 RAYS CV |
|---|---|
| City | WETUMPKA |
| State | AL |
| Zip | 36092-7008 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 4 BLK A RAY'S COVE 7/30 |
| Legal Range | 18E |
| Legal Township | 19N |
| Legal Section | 20 |
| Legal Subdivision | RAYS COVE |
| Legal Block | A |
| Legal Lot Number | 4 |
| Jurisdiction | ELMORE AL |
| Township / Civil Division | WETUMPKA |
| Census Block Group | 2 |
| Census Block | 2044 |
| Census Tract | 30802 |
Source: Elmore County records, as of March 18, 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 Record |
|---|---|
| Mailing Address | 156 RAYS CV, WETUMPKA, AL 36092-7008 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 30, 2026 | Deed of Trust, Mortgage · VA Mortgage UNITED TRUST BANK |
| Jan 5, 2023 | Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY BANK OF CENTRAL ALABAMA |
| Nov 6, 2023 | Deed of Trust, Mortgage · VA Mortgage FIRST COMMUNITY BANK OF CENTRAL ALABAMA |
| Sep 23, 2024 | Deed of Trust, Mortgage · VA Mortgage FIRST COMMUNITY BANK OF CENTRAL ALABAMA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 29, 2013 · Amount on Record |
| Deed Sale | Oct 29, 2013 · Amount on Record |
| Deed Document Number | MLS-301628 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ELMORE AL |
| Recording Date | Jun 30, 2026 |
| Property Address | 156 RAYS CV, WETUMPKA, AL 36092-7008 |
| Document Number | 0000710444 |
| Book / Page | 2026 / 40154 |
| Instrument Date | Jun 23, 2026 |
| Instrument | 2026710444 |
| Transaction Type | Mortgage |
| Record Updated | Jul 14, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 156 RAYS CV, WETUMPKA, AL 36092-7008 |
| Investor | Possibly a Property Investor |
| Document Number | 0000710444, |
|---|---|
| Date | Jun 30, 2026 |
| Book Page | 2026/40154 |
| Instrument | 2026710444 |
| Name | UNITED TRUST BANK |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate | 6.53% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ELMORE AL |
| Property Address | 156 RAYS CV, WETUMPKA, AL 36092-7008 |
| Transaction Type | Mortgage |
| Record Updated | Mar 19, 2026 |
| Name | Verified Name |
|---|---|
| Address | 5523 UPPER RIVER RD, TALLASSEE, AL 36078-3425 |
| Document Number | 002023/504 |
|---|---|
| Date | Jan 5, 2023 |
| Book Page | 2023/504 |
| Name | FIRST COMMUNITY BANK OF CENTRAL ALABAMA |
|---|---|
| Type | Bank |
| Address | 36045 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ELMORE AL |
| Property Address | 156 RAYS CV, WETUMPKA, AL 36092-7008 |
| Transaction Type | Mortgage |
| Record Updated | Mar 19, 2026 |
| Name | Verified Name |
|---|
| Document Number | 2023/50914 |
|---|---|
| Date | Nov 6, 2023 |
| Book Page | 2023/50914 |
| Name | FIRST COMMUNITY BANK OF CENTRAL ALABAMA |
|---|---|
| Type | Bank |
| Address | WETUMPKA, AL 36092 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ELMORE AL |
| Property Address | 156 RAYS CV, WETUMPKA, AL 36092-7008 |
| Transaction Type | Mortgage |
| Record Updated | Mar 19, 2026 |
| Name | Verified Name |
|---|---|
| Address | 156 RAYS CV, WETUMPKA, AL 36092-7008 |
| Document Number | 2024/49166 |
|---|---|
| Date | Sep 23, 2024 |
| Book Page | 2024/49166 |
| Name | FIRST COMMUNITY BANK OF CENTRAL ALABAMA |
|---|---|
| Type | Bank |
| Address | LAKE, MS 39092 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2054 |
Source: Elmore County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | Alabama |
| County | Elmore County |
| Unified School District | Elmore County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | Homeowner's exemption Senior Citizen's exemption | $64,620 (+487.45%) | $731,350 (+1,229.73%) Land $63,250 Building $668,100 |
| 2023 | $275.00 (-20.06%) | $11,000 (-9.09%) Land $11,000 | $55,000 (-9.09%) Land $55,000 |
| 2022 | $344.00 | $12,100 Land $12,100 | $60,500 Land $60,500 |
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.
Source: FEMA National Flood Hazard Layer, effective February 20, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (2017) |
| Most Recent Claim | Jun 2017 · other causes |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 91% of Alabama |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | HOLTVILLE WATER SYSTEM serves 12,600 people · EPA ID AL0000540 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Nov 2023 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
Listed by EPA as a serious violator for missed monitoring and reporting.
| Water Quality | Total trihalomethanes not recorded as resolved · Apr 2026 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 8 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.
Source: FCC Broadband Data Collection, based on 50 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
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