173 Cliff Rd, Sterrett, AL 35147 Property Records

Shelby County property record for 173 Cliff Rd, Sterrett, AL 35147

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,324 sqft · built 1999
Lot Size	0.435 acres (18,949 sqft)
Owner	Individual Name on File
Last Sale	$281,800 (Aug 2004)
Tax Bill	$2,023 (2026)
Deeds & Mortgages	Jun 2022 Line of Credit May 2018 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`095210000001237`

Property Details

APN / Parcel Number

Primary APN	`095210000001237`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	3,324 sqft Heated Area
1st Floor Area	1,810 sqft
Upper Floors Area	905 sqft
Basement Area	940 sqft
Finished Basement	870 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	18,949 sqft (0.435 acres)
Lot Dimensions	177 ft deep x 95.8 ft wide
Garage Type	Basement
Porch	Slab

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	173 CLIFF RD
City	STERRETT
State	AL
Zip	35147-7007
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ALSO BEG N MOST COR LT 618 SE165.01 NE2 NW165 NW2.66 TO POB
Legal Range	01W
Legal Township	19S
Legal Section	21
Legal Subdivision	FOREST PARKS 6TH SECTOR 2ND PHASE
Legal Lot Number	618
Jurisdiction	SHELBY AL
Township / Civil Division	CHELSEA
Census Block Group	2
Census Block	2017
Census Tract	30211

Owner

173 Cliff Rd is owned and occupied by an individual who bought it in August 2004.

Source: Shelby County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	173 CLIFF RD, STERRETT, AL 35147-7007
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
Jun 6, 2022	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
May 3, 2018	Deed of Trust, Mortgage · Line of Credit AMERICAS FIRST FCU
Nov 20, 2018	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Oct 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Nov 15, 2018	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENCE MTG CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 5, 2004 · Amount on File
Deed Sale	Aug 5, 2004 · Amount on File
Prior Sale	Mar 7, 2003 · Amount on File
Deed Document Number	2004439570
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY AL
Property Address	173 CLIFF RD, STERRETT, AL 35147-7007
Transaction Type	Mortgage
Record Updated	Jun 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	173 CLIFF RD, STERRETT, AL 35147-7007

Mortgage

Document Number	0000225630
Date	Jun 6, 2022
Instrument	20220606000225630

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 10, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY AL
Property Address	173 CLIFF RD, STERRETT, AL 35147-7007
Transaction Type	Mortgage
Record Updated	Jul 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000150990
Date	May 3, 2018
Instrument	20180503000150990

Lender

Name	AMERICAS FIRST FCU
Type	Credit Union
Address	BIRMINGHAM, AL 35203

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	179 Months
Due	Apr 24, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY AL
Property Address	173 CLIFF RD, STERRETT, AL 35147-7007
Transaction Type	Mortgage
Record Updated	Jul 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000410940
Date	Nov 20, 2018
Instrument	20181120000410940

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2048

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY AL
Property Address	173 CLIFF RD, STERRETT, AL 35147-7007
Transaction Type	Mortgage
Record Updated	Jul 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000474410
Date	Oct 19, 2020
Instrument	20201019000474410

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2050

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY AL
Property Address	173 CLIFF RD, STERRETT, AL 35147-7007
Document Number	0000194590
Instrument Date	Nov 15, 2018
Transaction Type	Mortgage
Record Updated	Jun 13, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	173 CLIFF RD STERRETT AL 351477007, STERRETT, AL 35147-7007

Mortgage

Document Number	0000194590
Date	Jun 5, 2019
Instrument	194590

Lender

Name	FAIRWAY INDEPENDENCE MTG CORP
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 4, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 173 Cliff Rd was $2,023 with a homeowner's exemption, down 1.6% from the year before.

Source: Shelby County assessment roll, as of April 21, 2026

Property Jurisdictions

Type	Name
State	Alabama
County	Shelby County
Municipality	Chelsea City
Unified School District	Shelby County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,023.00 (-1.56%) Homeowner's exemption
2025	$2,055.00	$46,720	$467,200 Land $95,000 Building $372,200
2023	$1,977.00	$45,880	$458,800 Land $85,000 Building $373,800

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 173 Cliff Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective January 23, 2026

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 173 Cliff Rd is moderate, ranking above 45% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 45% of the US · above 49% of Alabama
Wildfire Likelihood	0.09% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 137 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 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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