190 Memory Dr, Ragland, AL 35131 Property Records

St. Clair County property record for 190 Memory Dr, Ragland, AL 35131

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,278 sqft · built 2021
Lot Size	1.7 acres (74,052 sqft)
Owner	Company Name on Record
Last Sale	$8,500 (Feb 2020)
Tax Bill	$1,159 (2025)
Deeds & Mortgages	Jan 2022 Sale Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22-03-07-0-001-021.002`

Property Details

APN / Parcel Number

Primary APN	`22-03-07-0-001-021.002`
Alternative APNs	`531509` `17374`

Interior

Full Baths	1 Bath
Building Area	1,278 sqft Heated Area
1st Floor Area	1,278 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	74,052 sqft (1.7 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	190 MEMORY DR
City	RAGLAND
State	AL
Zip	35131-5028
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM INT E R/W OLD RR LN RD & NW R/W HWY 144 NW 358' TO POB NE ON R/W OLD RAILROAD LN RD 350' NE 210' SE 350' TO POB 7-16-4
Legal Range	04E
Legal Township	16S
Legal Section	07
Jurisdiction	ST CLAIR AL
Township / Civil Division	PELL CITY
Census Block Group	1
Census Block	1012
Census Tract	40207

Owner

Source: St. Clair County records, 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	Company Name on Record
Mailing Address	200 W MARTIN LUTHER KING BLVD, 1100, CHATTANOOGA, TN 37402-2572
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 18, 2022	Warranty Deed, Transfer
Jun 9, 2021	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 27, 2020 · Amount on Record
Deed Sale	Feb 27, 2020 · Amount on Record
Prior Sale	Aug 17, 2009 · Amount on Record
Deed Book / Page	2020 / 2370
Record Updated	Jun 8, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR AL
Recording Date	Jan 18, 2022
Property Address	190 MEMORY DR, RAGLAND, AL 35131-5028
Document Number	0000000696
Book / Page	DEED 2022 / 696
Instrument Date	Jan 14, 2022
Transaction Type	Transfer
Record Updated	Jun 29, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	20 MAPLE LN, PELL CITY, AL 35125-3513

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	200 W MARTIN LUTHER KING BLVD STE 1100, 1100, CHATTANOOGA, TN 37402-2572

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR AL
Recording Date	Jun 9, 2021
Property Address	190 MEMORY DR, RAGLAND, AL 35131-5028
Document Number	0000007436
Book / Page	DEED 2021 / 7436
Instrument Date	Jun 3, 2021
Transaction Type	Transfer
Record Updated	Jun 29, 2023

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
Address	1056 COUNTRY WOOD CIR, PELL CITY, AL 35125-3731

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	190 MEMORY DR, RAGLAND, AL 35131-5028

Mortgage

Document Number	MTG202139325
Date	Jun 9, 2021
Instrument	MTG 2021/39325

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

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	$1,159.00 (+214.09%)	$32,200 (+37.71%)	$160,990 (+37.7%)
2023		$23,383 (+101.65%) Land $2,925 Building $20,458	$116,915 (+0.82%) Land $14,625 Building $102,290
2022	$369.00 Homeowner's exemption	$11,596 Land $1,460 Building $10,136	$115,960 Land $14,600 Building $101,360

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2013)
Most Recent Claim	May 2013 · river or lake flooding

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 60% of the US · above 77% of Alabama
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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	WATTSVILLE WATER AUTHORITY serves 5,097 people · EPA ID AL0001216
Water Source	Groundwater
Last State Inspection	Apr 2024
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 49 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sparklight Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: Windstream.

Nearby Properties on Memory Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures