16 Lower St, Valley, AL 36854 Property Records

Chambers County property record for 16 Lower St, Valley, AL 36854

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,225 sqft · built 1900
Lot Size	0.401 acres (17,487 sqft)
Owner	Individual Name on File
Last Sale	$11,000 (May 2021)
Tax Bill	$338 (2026)
Deeds & Mortgages	Feb 2022 Sale & Mortgage May 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`12-18-08-28-2-001-007.000`

Property Details

APN / Parcel Number

Primary APN	`12-18-08-28-2-001-007.000`
Alternative APNs	`1808282001007000` `466085` `485745`

Interior

Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,225 sqft Living Area
1st Floor Area	1,225 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1900
Effective Year Built	Effective 2022
Exterior Material	Wood
Foundation Type	Brick
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	17,487 sqft (0.401 acres)
Lot Dimensions	201 ft deep x 87 ft wide
Porch	Slab
Porch Area	245 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	485745
Street Address	16 LOWER ST
City	VALLEY
State	AL
Zip	36854-5420
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 26 BLOCK 6RIVERDALE MILL VILLAGEM.B. 3 PG. 29IN NW1/4 OF NW1/4.S28 T21N R29ECITY OF VALLEY
Legal Range	29
Legal Township	21
Legal Section	28
Legal Subdivision	RIVERDALE MILL VILLAGE
Legal Block	6
Legal Lot Number	26
Jurisdiction	CHAMBERS AL
Township / Civil Division	VALLEY
Census Block Group	2
Census Block	2014
Census Tract	954700

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Riverview Historic District listed 1999 · 127 contributing resources · NRIS 99001300

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

16 Lower St is owned and occupied by an individual who bought it in May 2021.

Source: Chambers County records, as of October 20, 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	16 LOWER ST, VALLEY, AL 36854-5420
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2022	Deed, Transfer · Conventional Mortgage AMERIS BANK
May 19, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 19, 2021 · Amount on File
Deed Sale	May 19, 2021 · Amount on File
Prior Sale	May 19, 2021 · Amount on File
Deed Book / Page	2021 / 1892
Prior Transfer Date	Nov 27, 2013
Prior Transfer Doc	0020134136
Record Updated	Oct 29, 2026

February 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CHAMBERS AL
Recording Date	Feb 2, 2022
Property Address	16 LOWER ST, VALLEY, AL 36854-5420
Document Number	002022/640
Book / Page	2022 / 640
Map Reference	MB 3 PG 29
Instrument Date	Jan 31, 2022
Transaction Type	Transfer
Record Updated	Jun 29, 2023
Title Company	TITLE EXCELLENCE LLC, TITLE EXCELLENCE SERVICES

Transaction

Amount	Amount on Record
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	496 LEE ROAD 155, OPELIKA, AL 36804-8788

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 LOWER ST, VALLEY, AL 36854-5420

Mortgage

Document Number	0002022641
Date	Feb 2, 2022
Instrument	2022/641

Lender

Name	AMERIS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2052

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMBERS AL
Recording Date	May 19, 2021
Property Address	16 LOWER ST, VALLEY, AL 36854-5420
Document Number	02021/1892
Book / Page	2021 / 1892
Map Reference	MB 3 PG 29
Instrument Date	May 13, 2021
Transaction Type	Transfer
Record Updated	Jun 29, 2023

Transaction

Amount	Amount on Record
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	456 LEE ROAD 155, OPELIKA, AL 36804-8788

Tax Assessment & Valuation

The 2026 property tax bill for 16 Lower St was $338 with a homeowner's exemption, up 8.7% from the year before.

Source: Chambers County assessment roll, as of May 12, 2026

Property Jurisdictions

Type	Name
State	Alabama
County	Chambers County
Municipality	Valley City
Unified School District	Chambers County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$338.00 (+8.68%) Homeowner's exemption
2025	$311.00	$17,976 (+99.73%) Land $580 Building $17,396	$89,880 (-0.02%) Land $2,900 Building $86,980
2024	$311.00 Additional exemption filed	$9,000 (-) Land $300 Building $8,700	$89,900 (-) Land $2,920 Building $86,980
2023	$311.00 (-33.83%) Additional exemption filed	$9,000 (-18.63%) Land $300 Building $8,700	$89,900 (+62.63%) Land $2,920 Building $86,980
2022	$470.00 Additional exemption filed	$11,060 Land $580 Building $10,480	$55,280 Land $2,920 Building $52,360

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

Flood

FEMA maps place 16 Lower St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 18, 2011

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

Wildfire risk around 16 Lower St is low, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Low lower than 63% of the US · lower than 77% of Alabama
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	EAST ALABAMA, WATER & FIRE PRO DISTRICT serves 17,532 people · EPA ID AL0000174
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2023
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 50 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
WOW Internet, Cable & Phone Cable	1,200 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Spectrum.

Cell Coverage

5G (outdoors only) and 4G LTE

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