174 Cliff Rd, Sterrett, AL 35147 Property Records

Shelby County property record for 174 Cliff Rd, Sterrett, AL 35147

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,469 sqft · built 1999
Lot Size	0.493 acres (21,475 sqft)
Owner	Individual Name on Record
Last Sale	$330,000 (Aug 2020)
Tax Bill	$1,748 (2026)
Deeds & Mortgages	Sep 2017 Line of Credit Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`095210000001264`

Property Details

APN / Parcel Number

Primary APN	`095210000001264`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,469 sqft Heated Area
1st Floor Area	1,654 sqft
Upper Floors Area	815 sqft
Basement Area	1,111 sqft
Finished Basement	519 sqft
Unfinished Basement	541 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	21,475 sqft (0.493 acres)
Lot Dimensions	221 ft deep x 130 ft wide
Garage Type	Basement
Porch	Slab
Deck Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	174 CLIFF RD
City	STERRETT
State	AL
Zip	35147-7006
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEC/TWNSHP/RAN 21 19S 01W 2001 ANNEX PER ELECTION NBRHD: 01 FOREST PARKS 280 R-2
Legal Range	01W
Legal Township	19S
Legal Section	21
Legal Subdivision	FOREST PARKS 6TH SECTOR 2ND PHASE
Legal Lot Number	613
Jurisdiction	SHELBY AL
Township / Civil Division	CHELSEA
Census Block Group	2
Census Block	2035
Census Tract	30211

Owner

Source: Shelby County records, as of October 20, 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	174 CLIFF RD, STERRETT, AL 35147-7006
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 6, 2017	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
Aug 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC
Aug 24, 2020	Warranty Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 24, 2020 · Amount on Record
Deed Sale	Aug 24, 2020 · Amount on Record
Prior Sale	Oct 4, 2012 · Amount on Record
Deed Document Number	2020368960
Prior Transfer Date	Mar 7, 2012
Prior Transfer Doc	0000092400
Record Updated	Oct 29, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY AL
Property Address	174 CLIFF RD, STERRETT, AL 35147-7006
Transaction Type	Mortgage
Record Updated	Sep 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000326150
Date	Sep 6, 2017
Instrument	20170906000326150

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 2, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY AL
Property Address	174 CLIFF RD, STERRETT, AL 35147-7006
Transaction Type	Mortgage
Record Updated	Sep 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000373190
Date	Aug 26, 2020
Instrument	20200826000373190

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company
Address	CHANTILLY, VA 20151

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHELBY AL
Recording Date	Aug 24, 2020
Property Address	174 CLIFF RD, STERRETT, AL 35147-7006
Document Number	0000368960
Map Reference	MB 24 PG 110
Instrument Date	Aug 21, 2020
Instrument	20200824000368960
Transaction Type	Transfer
Record Updated	Sep 17, 2021

Transaction

Amount	Amount Recorded
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	174 CLIFF RD, STERRETT, AL 35147-7006

Mortgage

Document Number	0000368970
Date	Aug 24, 2020
Instrument	20200824000368970

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

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	$1,748.00 (-1.52%) Homeowner's exemption
2025	$1,775.00 (+4.66%)	$40,360 (+2.23%)	$403,500 (+2.2%) Land $95,000 Building $308,500
2023	$1,696.00	$39,480	$394,800 Land $85,000 Building $309,800

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

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

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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