195 Arrowhead Cv, Ragland, AL 35131 Property Records

St. Clair County property record for 195 Arrowhead Cv, Ragland, AL 35131

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,920 sqft · built 1984
Lot Size	32 acres (1,393,920 sqft)
Owner	2 Individual Names on File
Tax Bill	$730 (2025)
Deeds & Mortgages	Mar 2024 Line of Credit Aug 2018 Mortgage + 1 more
Flood Zone	Zone A (high risk)
APN	`18-04-17-0-000-002.000`

Property Details

APN / Parcel Number

Primary APN	`18-04-17-0-000-002.000`
Alternative APNs	`00514186` `514186` `15169`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,920 sqft Living Area
1st Floor Area	1,920 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	1,393,920 sqft (32 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	00514186
Street Address	195 ARROWHEAD CV
City	RAGLAND
State	AL
Zip	35131-5504
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEG SW COR NE4 NE4 N 300'E 650' N 350' W 650' N TO NW COR E TO NE COR S TO N RW SW ALG RW TH S LINE 14 14 W 170' N 208' W 208
Legal Range	04E
Legal Township	15S
Legal Section	17
Jurisdiction	ST CLAIR AL
Township / Civil Division	RAGLAND
Census Block Group	2
Census Block	2005
Census Tract	40301

Owner

195 Arrowhead Cv is owned and occupied by two individuals.

Source: St. Clair County records, as of August 4, 2026

Owner of Record	2 Individual Names on File
Mailing Address	195 ARROWHEAD CV, RAGLAND, AL 35131-5504
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
Mar 19, 2024	Deed of Trust, Mortgage · Line of Credit AMERICAS FIRST FCU
Aug 13, 2018	Deed of Trust, Mortgage · Conventional Mortgage GOLDWATER BANK NA
Jul 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOMETOWN LN

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR AL
Property Address	195 ARROWHEAD CV, RAGLAND, AL 35131-5504
Transaction Type	Mortgage
Record Updated	Apr 10, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	195 ARROWHEAD CV, RAGLAND, AL 35131-5504

Mortgage

Document Number	0000008036
Date	Mar 19, 2024
Book Page	MTG2024/8036

Lender

Name	AMERICAS FIRST FCU
Type	Credit Union
Address	1200 4TH AVE N, BIRMINGHAM, AL 35203

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Mar 8, 2034

Interest

Change Frequency	Monthly

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR AL
Property Address	195 ARROWHEAD CV, RAGLAND, AL 35131-5504
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000027178
Date	Aug 13, 2018
Book Page	MTG 2018/27178

Lender

Name	GOLDWATER BANK NA
Type	Bank
Address	PHOENIX, AZ 85016

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	301 Months
Due	Sep 1, 2043

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR AL
Property Address	195 ARROWHEAD CV, RAGLAND, AL 35131-5504
Document Number	0000039944
Instrument Date	Jul 29, 2020
Transaction Type	Mortgage
Record Updated	Sep 28, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	195 ARROWHEAD CV RAGLAND AL 351315504, RAGLAND, AL 35131-5504

Mortgage

Document Number	0000039944
Date	Sep 10, 2020
Instrument	39944

Lender

Name	HOMETOWN LN
Type	Funding / Finance Company
Address	HUNTSVILLE, AL 35806

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Sep 9, 2040

Tax Assessment & Valuation

The 2025 property tax bill for 195 Arrowhead Cv was $730 with a homeowner's exemption.

Source: St. Clair County assessment roll, as of August 4, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$730.00	$25,000	$249,900 Land $85,500 Building $164,400
2023		$44,987 Land $17,085 Building $27,902	$224,935 Land $85,425 Building $139,510
2022	$652.00

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

Flood

FEMA maps place 195 Arrowhead Cv in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective August 22, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	1 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.

Wildfire

Wildfire risk around 195 Arrowhead Cv is moderate, ranking above 59% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 59% of the US · above 76% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Ragland Telephone Fiber	100 / 20

Cell Coverage

4G LTE only, no 5G reported

Nearby Properties on Arrowhead Cv

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