189 Chesser Loop Rd, Chelsea, AL 35043 Property Records

Shelby County property record for 189 Chesser Loop Rd, Chelsea, AL 35043

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,900 sqft · built 2016
Lot Size	0.12 acres (5,227 sqft)
Owner	Individual Name on File
Last Sale	$288,000 (Apr 2022)
Tax Bill	$1,378 (2026)
Deeds & Mortgages	Apr 2022 Sale & Mortgage Feb 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`098270006067000`

Property Details

APN / Parcel Number

Primary APN	`098270006067000`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,900 sqft Heated Area
1st Floor Area	740 sqft
Upper Floors Area	1,160 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Brick
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	88.6 ft deep x 54 ft wide
Garage Type	Attached
Garage Area	420 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	189 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	161
Jurisdiction	SHELBY AL
Township / Civil Division	CHELSEA
Census Block Group	1
Census Block	1030
Census Tract	30215

Owner

189 Chesser Loop Rd is owned and occupied by an individual who bought it in April 2022.

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

Owner of Record	Individual Name on File
Mailing Address	189 CHESSER LOOP RD, CHELSEA, AL 35043-8327
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 14, 2022	Warranty Deed, Transfer · Conventional Mortgage VANDERBILT MORTGAGE & FINANCE INC
Feb 22, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 14, 2022 · Amount on File
Deed Sale	Apr 14, 2022 · Amount on File
Prior Sale	Feb 22, 2021 · Amount on File
Deed Document Number	2022153910
Record Updated	Oct 29, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHELBY AL
Recording Date	Apr 14, 2022
Property Address	189 CHESSER LOOP RD, CHELSEA, AL 35043-8327
Document Number	0000153910
Map Reference	MB 38 PG 49
Instrument Date	Apr 13, 2022
Instrument	20220414000153910
Transaction Type	Transfer
Record Updated	Jun 29, 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
Address	7417 ASHLAND LN, VESTAVIA, AL 35242-2517

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	189 CHESSER LOOP RD, CHELSEA, AL 35043-8327

Mortgage

Document Number	0000153920
Date	Apr 14, 2022
Instrument	20220414000153920

Lender

Name	VANDERBILT MORTGAGE & FINANCE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHELBY AL
Recording Date	Feb 22, 2021
Property Address	189 CHESSER LOOP RD, CHELSEA, AL 35043-8327
Document Number	0000088760
Map Reference	MB 38 PG 49
Instrument Date	Feb 15, 2021
Instrument	20210222000088760
Transaction Type	Transfer
Record Updated	Jun 29, 2023

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	511 CHURCH ST, WATERTOWN, NY 13601-1014

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	189 CHESSER LOOP ROAD, BIRMINGHAM, AL 35243
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2026 property tax bill for 189 Chesser Loop Rd was $1,378 with a homeowner's exemption, down 2.8% 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	$1,378.00 (-2.75%) Homeowner's exemption
2025	$1,417.00	$32,220	$322,200 Land $75,000 Building $247,200
2023	$1,365.00 (-38.57%)	$31,960 (-36.71%)	$319,600 (+26.57%) Land $75,000 Building $244,600
2022	$2,222.00	$50,500	$252,500 Land $60,000 Building $192,500

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 189 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 189 Chesser Loop 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	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 218 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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