1609 Cullman Rd, Arab, AL 35016 Property Records

Marshall County property record for 1609 Cullman Rd, Arab, AL 35016

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,263 sqft · built 1968
Lot Size	0.761 acres (33,166 sqft)
Owner	Individual Name on File
Last Sale	$56,500 (Mar 2017)
Deeds & Mortgages	Apr 2026 Reverse Mortgage Apr 2026 Reverse Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`13-08-27-2-000-025.000`

Property Details

APN / Parcel Number

Primary APN	`13-08-27-2-000-025.000`
Alternative APNs	`138272000025000` `161322`

Interior

Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,263 sqft Living Area
1st Floor Area	2,263 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	33,166 sqft (0.761 acres)
Lot Dimensions	206 ft deep x 161 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	161322
Street Address	1609 CULLMAN RD
City	ARAB
State	AL
Zip	35016-4385
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 BLK 1 SPRING HILL SUB PB 5 PG 81 12-3-93 1265/274
Legal Range	1E
Legal Township	8S
Legal Section	27
Legal Subdivision	SPRING HILL SUB
Legal Block	1
Legal Lot Number	1
Jurisdiction	MARSHALL AL
Township / Civil Division	ARAB
Census Block Group	4
Census Block	4038
Census Tract	30401

Owner

1609 Cullman Rd is owned and occupied by an individual who bought it in March 2017.

Source: Marshall County records, as of July 2, 2026

Owner of Record	Individual Name on File
Mailing Address	1609 CULLMAN RD, ARAB, AL 35016-4385
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2026	Deed of Trust, Mortgage · Reverse Mortgage NONE LISTED ON DOCUMENT
Apr 20, 2026	Deed of Trust, Mortgage · Reverse Mortgage FEDERAL HOUSING COMMISSIONER
May 1, 2024	Deed of Trust, Mortgage · Reverse Mortgage SOUTH RIVER MORTGAGE LLC
Apr 25, 2020	Deed of Trust, Mortgage · FHA Mortgage AMERICAN ADVISORS
Apr 25, 2020	Deed of Trust, Mortgage · FHA Mortgage COMMISSIONER/HSNG & URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 31, 2017 · Amount on File
Deed Sale	Mar 31, 2017 · Amount on File
Deed Document Number	20173157394
Deed Book / Page	5839 / 4
Prior Transfer Date	Mar 27, 2017
Prior Transfer Doc	0003156289
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARSHALL AL
Recording Date	Apr 20, 2026
Property Address	1609 CULLMAN RD, ARAB, AL 35016-4385
Document Number	0003312863
Book / Page	7210 / 192
Instrument Date	Apr 11, 2026
Instrument	20263312863
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1609 CULLMAN RD, ARAB, AL 35016-4385

Mortgage

Document Number	0003312863,
Date	Apr 20, 2026
Book Page	7210/192
Instrument	20263312863

Lender

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	696 Months
Due	Apr 16, 2084

Interest

Rate Type	Adjustable Rate
Rate	5%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARSHALL AL
Recording Date	Apr 20, 2026
Property Address	1609 CULLMAN RD, ARAB, AL 35016-4385
Document Number	0003312864
Book / Page	7210 / 207
Instrument Date	Apr 11, 2026
Instrument	20263312864
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1609 CULLMAN RD, ARAB, AL 35016-4385

Mortgage

Document Number	0003312864,
Date	Apr 20, 2026
Book Page	7210/207
Instrument	20263312864

Lender

Name	FEDERAL HOUSING COMMISSIONER

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	696 Months
Due	Apr 16, 2084

Interest

Rate Type	Adjustable Rate
Rate	5%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARSHALL AL
Property Address	1609 CULLMAN RD, ARAB, AL 35016-4385
Transaction Type	Mortgage
Record Updated	May 20, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1609 CULLMAN RD, ARAB, AL 35016-4385

Mortgage

Document Number	0003278430
Date	May 1, 2024
Book Page	7070/65
Instrument	3278430

Lender

Name	SOUTH RIVER MORTGAGE LLC
Type	Reverse Mortgage Lender
Address	ANNAPOLIS, MD 21401

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	719 Months
Due	Apr 16, 2084

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARSHALL AL
Property Address	1609 CULLMAN RD, ARAB, AL 35016-4385
Document Number	0003206040
Instrument Date	Apr 25, 2020
Transaction Type	Mortgage
Record Updated	Jul 1, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1609 CULLMAN RD ARAB AL 350164385, ARAB, AL 35016-4385

Mortgage

Document Number	0003206040
Date	May 6, 2020
Book Page	006334/000091
Instrument	3206040

Lender

Name	AMERICAN ADVISORS
Address	ORANGE, CA 92868

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	768 Months
Due	May 5, 2084

Interest

Rate Type	Adjustable Rate
Rate	4.94%

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARSHALL AL
Property Address	1609 CULLMAN RD, ARAB, AL 35016-4385
Document Number	0003206041
Instrument Date	Apr 25, 2020
Transaction Type	Mortgage
Record Updated	Jul 3, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1609 CULLMAN RD ARAB AL 350164385, ARAB, AL 35016-4385

Mortgage

Document Number	0003206041
Date	May 6, 2020
Book Page	006334/000104
Instrument	3206041

Lender

Name	COMMISSIONER/HSNG & URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	768 Months
Due	May 5, 2084

Interest

Rate Type	Adjustable Rate
Rate	4.94%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Alabama
Municipality	Arab City
County	Marshall County
Unified School District	Arab City School District (PK - 12)

Tax Bill & Assessment History

Year	Assessed Value	Assessed Market Value
2025	$18,480 (-4.05%) Land $3,380 Building $15,100	$208,400 (+8.2%) Land $32,500 Building $175,900
2024	$19,260 (+4.22%)	$192,600 (+4.22%) Land $34,800 Building $157,800
2023	$18,480 Land $3,380 Building $15,100	$184,800 Land $33,800 Building $151,000

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 1609 Cullman Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2001.

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 Claims	2 (2001–2015)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Dec 2015 · Severe Storms, Tornadoes, Straight-line Winds, 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

Wildfire risk around 1609 Cullman Rd is moderate, ranking above 40% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · lower than 66% 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	CITY OF ARAB, WATER WORKS BOARD OF THE serves 39,795 people · EPA ID AL0000934
Water Source	Surface water
Last State Inspection	Jan 2024
Lead	Under 1 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 43 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
GoNetspeed Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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