Madison County property record for 194 Raphael Rd, Madison, AL 35757
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,461 sqft · built 2006 |
| Lot Size | 0.663 acres (28,898 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $279,000 (May 2020) |
| Tax Bill | $1,623 (2026) |
| Deeds & Mortgages | Aug 2017 Mortgage Jun 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-08-34-0-001-010.065 |
| Primary APN | 06-08-34-0-001-010.065 |
|---|---|
| Alternative APN |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,461 sqft Living Area |
| 1st Floor Area | 2,461 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Retaining Wall |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 28,898 sqft (0.663 acres) |
| Garage Area | 979 sqft |
| Parking Spaces | 4 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 512148 |
|---|---|
| Street Address | 194 RAPHAEL RD |
| City | MADISON |
| State | AL |
| Zip | 35757-8827 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 24 IRONGATE AT KELLYWOODS PH III PB 43 PG 63 |
| Legal Range | 02W |
| Legal Township | 02S |
| Legal Section | 34 |
| Legal Subdivision | IRONGATE AT KELLYWOODS PH III |
| Legal Lot Number | 24 |
| Jurisdiction | MADISON AL |
| Township / Civil Division | HUNTSVILLE |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 10504 |
Source: Madison 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 | 194 RAPHAEL RD, MADISON, AL 35757-8827 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 22, 2017 | Deed of Trust, Mortgage · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA |
| Jun 10, 2021 | Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC |
| May 4, 2020 | Warranty Deed, Transfer · VA Mortgage FINANCE OF AMERICA MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 4, 2020 · Amount on Record |
| Deed Sale | May 4, 2020 · Amount on Record |
| Prior Sale | Jan 2, 2007 |
| Deed Document Number | 202031564 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON AL |
| Property Address | 194 RAPHAEL RD, MADISON, AL 35757-8827 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000489970 |
|---|---|
| Date | Aug 22, 2017 |
| Instrument | 20170822000489970 |
| Name | MORGAN STANLEY PRIVATE BANK NA |
|---|---|
| Type | Bank |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON AL |
| Property Address | 194 RAPHAEL RD, MADISON, AL 35757-8827 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2022 |
| Title Company | BRIGHT LINE TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0000047898 |
|---|---|
| Date | Jun 10, 2021 |
| Instrument | 2021-00047898 |
| Name | NEW DAY FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | FULTON, MD 20759 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON AL |
| Recording Date | May 4, 2020 |
| Property Address | 194 RAPHAEL RD, MADISON, AL 35757-8827 |
| Document Number | 0000031564 |
| Instrument Date | Apr 29, 2020 |
| Instrument | 31564 |
| Transaction Type | Transfer |
| Record Updated | Jul 23, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $279.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 194 RAPHAEL RD MADISON AL 357578827, MADISON, AL 35757-8827 |
| Document Number | 31565 |
|---|---|
| Date | May 4, 2020 |
| Instrument | 31565 |
| Name | FINANCE OF AMERICA MTG |
|---|---|
| Address | HORSHAM, PA 19044 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 3, 2050 |
Source: Madison County assessment roll, as of November 17, 2025
| Type | Name |
|---|---|
| State | Alabama |
| County | Madison County |
| Unified School District | Madison County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,623.00 (+3.44%) | ||
| 2025 | $1,569.00 (+10.65%) Homeowner's exemption | $45,000 (+10.13%) Land $8,260 Building $36,740 | $450,000 (+10.19%) Land $82,600 Building $367,400 |
| 2023 | $1,418.00 (+11.57%) Homeowner's exemption | $40,860 (+10.97%) Land $8,260 Building $32,600 | $408,400 (+10.98%) Land $82,600 Building $325,800 |
| 2022 | $1,271.00 Homeowner's exemption | $36,820 Land $8,260 Building $28,560 | $368,000 Land $82,600 Building $285,400 |
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.
Source: FEMA National Flood Hazard Layer, effective September 16, 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 |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 6 in force |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.8% of the US · lower than 99.9% of Alabama |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MADISON COUNTY WATER DEPARTMENT serves 119,100 people · EPA ID AL0000888 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Mar 2025 |
| Lead | 2 ppb (2024–2026) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 207 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL in parts of the area | 5,000 / 5,000 |
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Mediacom Xtream Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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