16520 Chase Cir, Ralph, AL 35480 Property Records

Tuscaloosa County property record for 16520 Chase Cir, Ralph, AL 35480

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,569 sqft · built 2005
Lot Size	31 acres (1,350,360 sqft)
Owner	Individual Name on File
Last Sale	$164,000 (Aug 2019)
Tax Bill	$696 (2025)
Deeds & Mortgages	Dec 2018 Mortgage Dec 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`34-06-13-0-000-012.000`

Property Details

APN / Parcel Number

Primary APN	`34-06-13-0-000-012.000`
Alternative APNs	`73572` `3204`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,569 sqft Living Area
1st Floor Area	1,569 sqft
Utility Area	48 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2006
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	1,350,360 sqft (31 acres)
Terrain	Rolling
Garage Type	Finished
Garage Area	400 sqft
Porch	Slab
Porch Area	198 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	3204
Street Address	16520 CHASE CIR
City	RALPH
State	AL
Zip	35480-8802
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 54 HARVEST MEADOWS
Legal Range	12W
Legal Township	22S
Legal Section	13
Legal Subdivision	HARVEST MEADOWS
Legal Lot Number	54
Jurisdiction	TUSCALOOSA AL
Township / Civil Division	FOSTERS
Census Block Group	1
Census Block	1007
Census Tract	10303

Owner

16520 Chase Cir is owned and occupied by an individual who bought it in August 2019.

Source: Tuscaloosa County records, as of March 17, 2026

Owner of Record	Individual Name on File
Mailing Address	16520 CHASE CIR, RALPH, AL 35480-8802
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
Dec 27, 2018	Deed of Trust, Mortgage · Conventional Mortgage ALABAMA ONE CREDIT UNION
Dec 16, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE
Aug 14, 2019	Warranty Deed, Transfer · FHA Mortgage HOME POINT FINANCIAL

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 14, 2019 · Amount on File
Deed Sale	Aug 14, 2019 · Amount on File
Prior Sale	Jul 2, 2008 · Amount on File
Deed Book / Page	2019 / 18246
Prior Transfer Date	Apr 29, 2005
Prior Transfer Doc	2005/9026
Record Updated	Jun 8, 2026

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TUSCALOOSA AL
Property Address	16520 CHASE CIR, RALPH, AL 35480-8802
Transaction Type	Mortgage
Record Updated	May 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16520 CHASE CIR, RALPH, AL 35480-8802

Mortgage

Document Number	0000002018/0000075080
Date	Dec 27, 2018
Book Page	0000002018/0000075080

Lender

Name	ALABAMA ONE CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2049

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TUSCALOOSA AL
Property Address	16520 CHASE CIR, RALPH, AL 35480-8802
Transaction Type	Mortgage
Record Updated	May 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16520 CHASE CIR, RALPH, AL 35480-8802

Mortgage

Document Number	0000002021/0000128403
Date	Dec 16, 2021
Book Page	0000002021/0000128403

Lender

Name	FREEDOM MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	336 Months
Due	Jan 1, 2049

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TUSCALOOSA AL
Recording Date	Aug 14, 2019
Property Address	16520 CHASE CIR, RALPH, AL 35480-8802
Document Number	2019/18246
Book / Page	2019 / 18246
Instrument Date	Aug 14, 2019
Transaction Type	Transfer
Record Updated	May 30, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	746 FRANK SPENCER RD, KNOXVILLE, AL 35469-2040

Mortgage

Document Number	0000002019/0000051394
Date	Aug 14, 2019
Book Page	0000002019/0000051394

Lender

Name	HOME POINT FINANCIAL

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 16520 Chase Cir was $696 with a homeowner's exemption, up 10.8% from the year before.

Source: Tuscaloosa County assessment roll, as of March 17, 2026

Property Jurisdictions

Type	Name
State	Alabama
County	Tuscaloosa County
Unified School District	Tuscaloosa County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$696.00 (+10.83%) Homeowner's exemption	$44,520 (+17.03%) Land $5,700 Building $38,820	$222,600 (+17.03%) Land $28,500 Building $194,100
2024	$628.00 (-1.26%) Homeowner's exemption	$38,040 (-1.04%) Land $5,700 Building $32,340	$190,200 (-1.04%) Land $28,500 Building $161,700
2023	$636.00 (+7.25%) Homeowner's exemption	$38,440 (+6.36%) Land $5,700 Building $32,740	$192,200 (+6.36%) Land $28,500 Building $163,700
2022	$593.00 Homeowner's exemption	$36,140 Land $5,700 Building $30,440	$180,700 Land $28,500 Building $152,200

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 16520 Chase Cir in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2005.

Source: FEMA National Flood Hazard Layer, effective June 20, 2025 · 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	3 (2005–2020)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Feb 2020 · Severe Storms 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 16520 Chase Cir is moderate, ranking above 40% of the US, with a 0.06% 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	0.06% 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 58 locations within half a mile, as of December 31, 2025

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

Cell Coverage

4G LTE (outdoors only), no 5G reported

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