1575 Cottage Ln, Gadsden, AL 35907 Property Records

Etowah County property record for 1575 Cottage Ln, Gadsden, AL 35907

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,192 sqft · built 2019
Lot Size	0.41 acres (17,860 sqft)
Owner	2 Individual Names on Record
Last Sale	$219,900 (Aug 2019)
Tax Bill	$1,085 (2026)
Deeds & Mortgages	Mar 2021 Mortgage Aug 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`21-02-04-0-001-179.034`

Property Details

APN / Parcel Number

Primary APN	`21-02-04-0-001-179.034`
Alternative APNs	`103335` `261993`

Interior

Full Baths	2 Baths
Plumbing Fixtures	4 Plumbing Fixtures
Stories	1 Story
Building Area	2,192 sqft Living Area
1st Floor Area	1,728 sqft
2nd Floor Area	464 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	17,860 sqft (0.41 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	261993
Street Address	1575 COTTAGE LN
City	GADSDEN
State	AL
Zip	35907-1001
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	H/S BASE YEAR - LT 23 NEW SOUTH PHASE 2 PLAT M-45 SOUTHSIDE 4-13-6 D-2017-3450060,D-2019-3486123,D-2019-3489525(ROS), D-2022-3540181(ROS)
Legal Range	6E
Legal Township	13S
Legal Section	4
Legal Subdivision	NEW SOUTH PHASE 2
Legal Phase	2
Legal Lot Number	23
Jurisdiction	ETOWAH AL
Township / Civil Division	GADSDEN
Census Block Group	1
Census Block	1023
Census Tract	10503

Owner

Source: Etowah 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	2 Individual Names on Record
Mailing Address	1575 COTTAGE LN, GADSDEN, AL 35907-1001
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
Aug 26, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage QUICKEN LOANS INC
Jun 20, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 26, 2019 · Amount on Record
Deed Sale	Aug 26, 2019 · Amount on Record
Deed Document Number	20193489525
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ETOWAH AL
Property Address	1575 COTTAGE LN, SOUTHSIDE, AL 35907-1001
Transaction Type	Mortgage
Record Updated	Jan 4, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003516806
Date	Mar 1, 2021
Instrument	3516806

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ETOWAH AL
Recording Date	Aug 26, 2019
Property Address	1575 COTTAGE LN, SOUTHSIDE, AL 35907-1001
Document Number	0003489525
Instrument Date	Aug 26, 2019
Instrument	3489525
Transaction Type	Transfer
Record Updated	Dec 4, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1575 COTTAGE LN, SOUTHSIDE, AL 35907-1001

Mortgage

Document Number	0003489526
Date	Aug 26, 2019
Instrument	3489526

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Mortgage

Document Number	0003489525
Date	Aug 26, 2019
Instrument	3489525

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ETOWAH AL
Recording Date	Jun 20, 2019
Property Address	1575 COTTAGE LN, SOUTHSIDE, AL 35907-1001
Document Number	0003486123
Instrument Date	May 13, 2019
Instrument	3486123
Transaction Type	Transfer
Record Updated	Dec 4, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	735 OAKLAND DR, GADSDEN, AL 35901-9119

Tax Assessment & Valuation

Source: Etowah County assessment roll, as of June 23, 2026

Property Jurisdictions

Type	Name
State	Alabama
County	Etowah County
Municipality	Southside City
Unified School District	Etowah County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,085.00 (-20.45%) Homeowner's exemption
2025	$1,364.00 Homeowner's exemption	$34,480 (+0.03%) Land $2,500 Building $31,980	$344,700 (-) Land $25,000 Building $319,700
2023	$1,364.00 (+24%) Homeowner's exemption	$34,470 (+22.98%) Land $2,500 Building $31,970	$344,700 (+22.98%) Land $25,000 Building $319,700
2022	$1,100.00 Homeowner's exemption	$28,030 Land $2,500 Building $25,530	$280,300 Land $25,000 Building $255,300

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

Source: FEMA National Flood Hazard Layer, effective March 21, 2019 · 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
Nearby Flood Policies	2 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

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

Wildfire Risk	Moderate above 50% of the US · above 60% 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	SOUTHSIDE WATER WORKS AND SEWER BOARD serves 12,327 people · EPA ID AL0000591
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	1 ppb (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	1 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 110 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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