1605 Mountain Top Loop, Pell City, AL 35128 Property Records

St. Clair County property record for 1605 Mountain Top Loop, Pell City, AL 35128

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,441 sqft · built 2022
Lot Size	4 acres (174,240 sqft)
Owner	Individual Name on Record
Last Sale	$5,356,000 (Mar 2022)
Tax Bill	$1,145 (2025)
Deeds & Mortgages	Jul 2021 Construction Loan Mar 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`27-01-11-0-000-010.002`

Property Details

APN / Parcel Number

Primary APN	`27-01-11-0-000-010.002`
Alternative APNs	`531634` `74670`

Interior

Full Baths	2 Baths
Building Area	2,441 sqft Heated Area
1st Floor Area	1,632 sqft
Upper Floors Area	1,156 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	174,240 sqft (4 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1605 MOUNTAIN TOP LOOP
City	PELL CITY
State	AL
Zip	35128-6246
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM SW COR SW NE E 1270.78' N 195.39' WLY ALG R/W 657' NE 103.99 NE 199.46' NE 309.93' NE 230.41' S 507.32' TO POB 11-17-2 4.
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, as of April 17, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	1605 MOUNTAIN TOP LOOP, PELL CITY, AL 35128-6246
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2021	Deed of Trust, Mortgage · Construction Mortgage METRO BANK
Mar 16, 2022	Warranty Deed, Subdivision Related Transfer · USDA Mortgage GOLDWATER BANK NA
May 21, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage NANCY FINCHER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 16, 2022 · Amount on Record
Deed Sale	Mar 16, 2022 · Amount on Record
Prior Sale	May 26, 2020 · Amount on Record
Deed Book / Page	2022 / 3707
Record Updated	Jun 8, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR AL
Property Address	1605 MOUNTAIN TOP LOOP, PELL CITY, AL 35128-6246
Transaction Type	Mortgage
Record Updated	Jun 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	65 WATSON RD, CROPWELL, AL 35054-4332

Mortgage

Document Number	0000045076
Date	Jul 6, 2021
Book Page	MTG 2021/45076

Lender

Name	METRO BANK
Type	Bank
Address	PELL CITY, AL 35128

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

March 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR AL
Recording Date	Mar 16, 2022
Property Address	1605 MOUNTAIN TOP LOOP, PELL CITY, AL 35128-6246
Document Number	0000003707
Book / Page	DEED 2022 / 3707
Instrument Date	Mar 4, 2022
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 29, 2023

Transaction

Amount	Amount Recorded
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	7420 PARKWAY DR STE 112, 112, LEEDS, AL 35094-4834

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1605 MOUNTAIN TOP LOOP, PELL CITY, AL 35128-6246

Mortgage

Document Number	MTG202214345
Date	Mar 16, 2022
Instrument	MTG 2022/14345

Lender

Name	GOLDWATER BANK NA
Type	Bank

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2052

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR AL
Recording Date	May 21, 2021
Property Address	1605 MOUNTAIN TOP LOOP, PELL CITY, AL 35128-6246
Document Number	0000006562
Book / Page	DEED 2021 / 6562
Instrument Date	May 11, 2021
Transaction Type	Transfer
Record Updated	Jun 29, 2023

Transaction

Amount	Amount Recorded
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	3328 BYARS RD, MOODY, AL 35004-2653

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7420 PARKWAY DR, LEEDS, AL 35094-4833

Mortgage

Document Number	MTG202135622
Date	May 21, 2021
Instrument	MTG 2021/35622

Lender

Name	NANCY FINCHER
Type	Private Party

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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	$1,145.00 (+96.06%)	$33,140 (-50.44%)	$331,420 (-0.86%)
2023		$66,862 (+311.71%) Land $10,080 Building $56,782	$334,310 (+311.71%) Land $50,400 Building $283,910
2022	$584.00	$16,240 Land $6,240 Building $10,000	$81,200 Land $31,200 Building $50,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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
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

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 59% of the US · above 76% 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 13 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Mountain Top Loop

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures