181 Chesser Loop Rd, Chelsea, AL 35043 Property Records

Shelby County property record for 181 Chesser Loop Rd, Chelsea, AL 35043

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,443 sqft · built 2016
Lot Size	0.12 acres (5,227 sqft)
Owner	2 Individual Names on File
Last Sale	$389,000 (Oct 2025)
Tax Bill	$1,649 (2026)
Deeds & Mortgages	Nov 2025 Mortgage Oct 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`098270006065000`

Property Details

APN / Parcel Number

Primary APN	`098270006065000`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	2,443 sqft Heated Area
1st Floor Area	1,880 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Fiber Cement Siding
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	5,227 sqft (0.12 acres)
Lot Dimensions	88.3 ft deep x 54 ft wide
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	181 CHESSER LOOP RD
City	CHELSEA
State	AL
Zip	35043-8327
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEC/TWNSHP/RAN 27 19S 01W NBRHD: 17 CHELSEA FOOTHILLS / COTTAGES R-2
Legal Range	01W
Legal Township	19S
Legal Section	27
Legal Subdivision	COTTAGES AT CHESSER PH 2 AMENDED COTTAGE
Legal Lot Number	159
Jurisdiction	SHELBY AL
Township / Civil Division	CHELSEA
Census Block Group	1
Census Block	1030
Census Tract	30215

Owner

181 Chesser Loop Rd is owned and occupied by two individuals who bought it in October 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	181 CHESSER LOOP RD, CHELSEA, AL 35043-8327
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Nov 10, 2025	Deed of Trust, Mortgage · Conventional Mortgage KIND LENDING LLC
Oct 30, 2025	Warranty Deed, Transfer · Conventional Mortgage KIND LENDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2025 · Amount on File
Deed Sale	Oct 30, 2025 · Amount on File
Prior Sale	Feb 11, 2015 · Amount on File
Deed Document Number	2025332520
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY AL
Property Address	181 CHESSER LOOP RD, CHELSEA, AL 35043-8327
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	493 FOREST LAKES DR, STERRETT, AL 35147-8167

Mortgage

Document Number	0000344180
Date	Nov 10, 2025
Instrument	20251110000344180

Lender

Name	KIND LENDING LLC
Type	Mortgage Company
Address	SANTA ANA, CA 92707

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2055

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHELBY AL
Recording Date	Oct 30, 2025
Property Address	181 CHESSER LOOP RD, CHELSEA, AL 35043-8327
Document Number	0000332520
Map Reference	MB 38 PG 49
Instrument Date	Oct 28, 2025
Instrument	20251030000332520
Transaction Type	Transfer
Record Updated	Apr 2, 2026

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
Address	235 INVERNESS CENTER DR, HOOVER, AL 35242-4805

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	181 CHESSER LOOP RD, CHELSEA, AL 35043-8327

Mortgage

Document Number	0000332530
Date	Oct 30, 2025
Instrument	20251030000332530

Lender

Name	KIND LENDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

Tax Assessment & Valuation

The 2026 property tax bill for 181 Chesser Loop Rd was $1,649 with exemptions applied, down 2.4% 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	$1,649.00 (-2.37%) Homeowner's exemption Senior Citizen's exemption
2025	$1,689.00 (-1%)	$38,400 (-0.98%)	$383,900 (-1.01%) Land $75,000 Building $308,900
2024	$1,706.00 (+19.22%) Homeowner's exemption Senior Citizen's exemption	$38,780 (+1.89%)	$387,800 (+1.89%) Land $75,000 Building $312,800
2023	$1,431.00 Homeowner's exemption Senior Citizen's exemption	$38,060	$380,600 Land $75,000 Building $305,600

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 181 Chesser Loop Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2022.

Source: FEMA National Flood Hazard Layer, effective January 23, 2026 · 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	5 in force
Nearby Flood Claims	1 (2022)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jan 2022 · other causes

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 181 Chesser Loop Rd is moderate, ranking above 42% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 42% of the US · above 43% of Alabama
Wildfire Likelihood	0.08% 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	SHELBY COUNTY COMMISSION-WATER SERVICES serves 40,101 people · EPA ID AL0001671
Water Source	Surface water
Last State Inspection	Apr 2025
Lead	Under 1 ppb (2024–2026) 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 157 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 / 1,000
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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