190 Coves Dr, Vincent, AL 35178 Property Records

St. Clair County property record for 190 Coves Dr, Vincent, AL 35178

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 4,239 sqft · built 2007
Lot Size	0.69 acres (30,056 sqft)
Owner	2 Individual Names on File
Last Sale	$899,900 (Nov 2020)
Tax Bill	$3,395 (2025)
Deeds & Mortgages	May 2026 Line of Credit Nov 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`31-08-28-0-004-001.005`

Property Details

APN / Parcel Number

Primary APN	`31-08-28-0-004-001.005`
Alternative APNs	`524228` `59653`

Interior

Full Baths	2.5 Baths
Half Baths	3 Half Baths
Stories	1 Story
Building Area	4,239 sqft Heated Area
1st Floor Area	3,084 sqft
Upper Floors Area	1,155 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	30,056 sqft (0.69 acres)

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Pool Area	648 sqft
Boat Access	Boat Access
Boat House	286 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	190 COVES DR
City	VINCENT
State	AL
Zip	35178-8801
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4 CUMBERLAND COVES S/D PHASE ONE MB 2006-72 21-18-3
Legal Range	03E
Legal Township	18S
Legal Section	28
Legal Subdivision	CUMBERLAND COVES S/D
Legal Phase	ONE
Legal Lot Number	4
Jurisdiction	ST CLAIR AL
Township / Civil Division	PELL CITY
Census Block Group	1
Census Block	1018
Census Tract	40213

Owner

Source: St. Clair County assessment roll, as of April 17, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	190 COVES DR, VINCENT, AL 35178-8801
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 15, 2026	Deed of Trust, Mortgage · Line of Credit RIVER BANK AND TRUST
Nov 3, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 3, 2020 · Amount on Record
Deed Sale	Nov 3, 2020 · Amount on Record
Prior Sale	Apr 20, 2010
Deed Book / Page	2020 / 12841
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR AL
Recording Date	May 15, 2026
Property Address	190 COVES DR, VINCENT, AL 35178-8801
Document Number	2026021232
Book / Page	2026 / 21232
Instrument Date	May 13, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7501 KINGS MOUNTAIN RD, VESTAVIA, AL 35242-2589

Mortgage

Document Number	2026021232,
Date	May 15, 2026
Book Page	2026/21232

Lender

Name	RIVER BANK AND TRUST

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.3%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR AL
Recording Date	Nov 3, 2020
Property Address	190 COVES DR, VINCENT, AL 35178-8801
Document Number	0000012841
Book / Page	DEED 2020 / 12841
Map Reference	MB 2006 PG 72
Instrument Date	Oct 29, 2020
Transaction Type	Transfer
Record Updated	Jun 8, 2022

Transaction

Amount	Amount Recorded
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
Relationship	Right of Survivorship
Address	190 COVES DR, VINCENT, AL 35178-8801

Tax Assessment & Valuation

Source: St. Clair County assessment roll, as of April 17, 2026

Property Jurisdictions

Type	Name
State	Alabama
County	St. Clair County
Unified School District	Pell City City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,395.00 (+12.94%)	$94,320 (-49.99%)	$943,030 (-)
2023		$188,606 Land $45,000 Building $143,606	$943,030 Land $225,000 Building $718,030
2022	$3,006.00

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 August 22, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 35 policies
Nearby Flood Policies	35 in force
Nearby Flood Claims	1 (2024)
Most Recent Claim	Jul 2024 · rainfall accumulation

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

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

Wildfire Risk	Moderate above 46% of the US · above 52% of Alabama
Wildfire Likelihood	0.09% annual chance
Exposure	Direct burnable vegetation at the parcel

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	NEW LONDON WATER & FP AUTHORITY serves 6,843 people · EPA ID AL0001437
Water Source	Groundwater
Last State Inspection	Dec 2023
Lead	Under 1 ppb (2023–2025) 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 30 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Coosa Valley Technologies Fiber	1,000 / 1,000
Cable One Cable	1,000 / 50

May also be available: Brightspeed.

Cell Coverage

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

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