197 Ryan Rd, Eva, AL 35621 Property Records

Morgan County property record for 197 Ryan Rd, Eva, AL 35621

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,224 sqft · built 2009
Lot Size	40 acres (1,742,400 sqft)
Owner	2 Individual Names on File
Last Sale	$600,000 (Apr 2026)
Tax Bill	$860 (2025)
Deeds & Mortgages	May 2023 Mortgage Dec 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`22-04-20-0-000-004.000`

Property Details

APN / Parcel Number

Primary APN	`22-04-20-0-000-004.000`
Alternative APNs	`131149` `46350`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,224 sqft Living Area
1st Floor Area	612 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Exterior Material	Metal
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	1,742,400 sqft (40 acres)
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	131149
Street Address	197 RYAN RD
City	EVA
State	AL
Zip	35621-7654
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NE 1/4 OF SW 1/4 SEC 20 T8S R2W LESS BEG AT NE COR OF SD FORTY, TH SO 178.5', TH NW 291.5', TH NE 115.82', TH E 330'S TO POB
Legal Range	2W
Legal Township	8S
Legal Section	20
Legal Subdivision	WESTMEAD 13
Jurisdiction	MORGAN AL
Township / Civil Division	EVA
Census Block Group	2
Census Block	2033
Census Tract	5602

Owner

Source: Morgan County records · APN 22-04-20-0-000-004.000

Assessment roll updated June 19, 2026 · Last verified July 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	197 RYAN RD, EVA, AL 35621-7654
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 01, 2023	Deed of Trust, Mortgage NORTH ALABAMA EDUCATORS CU
Dec 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage TRADITIONS BANK
Apr 24, 2026	Warranty Deed, Transfer · VA Mortgage NATIONAL HOME MORTGAGE CORPORATION
Feb 27, 2020	Warranty Deed, Transfer · Line of Credit TRADITIONS BANK
Jul 06, 2009	Joint Tenancy Deed, Transfer TRADITIONS BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 24, 2026 · Amount on Record
Deed Sale	Apr 24, 2026 · Amount on Record
Prior Sale	Feb 27, 2020 · Amount on Record
Deed Book / Page	2026 / 3821
Prior Transfer Date	Feb 26, 2020
Prior Transfer Doc	02020/1728
Record Updated	Sep 20, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN AL
Property Address	197 RYAN RD, EVA, AL 35621-7654
Transaction Type	Mortgage
Record Updated	May 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2023/13108
Date	May 01, 2023
Book Page	2023/13108

Lender

Name	NORTH ALABAMA EDUCATORS CU
Type	Credit Union

Agreement

Amount	Amount Recorded

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN AL
Property Address	197 RYAN RD, EVA, AL 35621-7654
Transaction Type	Mortgage
Record Updated	May 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021/69769
Date	Dec 16, 2021
Book Page	2021/69769

Lender

Name	TRADITIONS BANK
Type	Bank
Address	CULLMAN, AL 35055

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2052

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MORGAN AL
Recording Date	Apr 24, 2026
Property Address	197 RYAN RD, EVA, AL 35621-7654
Document Number	DEED2026/3821
Book / Page	2026 / 3821
Instrument Date	Apr 24, 2026
Transaction Type	Transfer
Record Updated	May 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$60,600.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	197 RYAN RD, EVA, AL 35621-7654

Mortgage

Document Number	2026017131,
Date	Apr 24, 2026
Book Page	2026/17131

Lender

Name	NATIONAL HOME MORTGAGE CORPORATION

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.11%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MORGAN AL
Recording Date	Feb 27, 2020
Property Address	197 RYAN RD, EVA, AL 35621-7654
Document Number	02020/1728
Book / Page	2020 / 1728
Instrument Date	Feb 26, 2020
Transaction Type	Transfer
Record Updated	May 14, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4789 EVA RD, EVA, AL 35621-8610

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	197 RYAN RD, EVA, AL 35621-7654

Mortgage

Document Number	02020/6694
Date	Feb 27, 2020
Book Page	2020/6694

Lender

Name	TRADITIONS BANK
Type	Bank
Address	CULLMAN, AL 35055

Agreement

Type	Line of Credit
Amount	Amount Recorded

July 2009: Joint Tenancy Deed, Transfer

Document Type	Joint Tenancy Deed
Jurisdiction	MORGAN AL
Recording Date	Jul 06, 2009
Property Address	197 RYAN RD, EVA, AL 35621-7654
Document Number	2009/03540
Book / Page	2009 / 03540
Instrument Date	Jul 01, 2009
Transaction Type	Transfer
Record Updated	May 14, 2026

Transaction

Amount	Amount Recorded
Tax	$8.50
Amount Accuracy	Partially Calculated from Transfer Tax
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4789 EVA RD, EVA, AL 35621-8610

Mortgage

Document Number	0200927997
Date	Jul 06, 2009
Instrument	2009/27997

Lender

Name	TRADITIONS BANK

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Jul 13, 2019

Tax Assessment & Valuation

Source: Morgan County records · Assessment roll updated June 19, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Alabama
County	Morgan County
Municipality	Eva Town
Unified School District	Morgan County School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$860.00 (-0.69%) Homeowner's exemption	$24,350 (-0.65%) Land $18,000 Building $6,350	$243,500 (-0.65%) Land $180,000 Building $63,500
2024		$24,510 (-0.61%) Land $18,000 Building $6,510	$245,100 (-0.61%) Land $180,000 Building $65,100
2023	$866.00 (-1.25%) Homeowner's exemption	$24,660 (-0.64%) Land $18,000 Building $6,660	$246,600 (-0.64%) Land $180,000 Building $66,600
2022	$877.00 Homeowner's exemption	$24,820 Land $18,000 Building $6,820	$248,200 Land $180,000 Building $68,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of July 4, 2022 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Moderate above 48% of the US · above 56% of Alabama
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
FlashFiber Fiber	1,000 / 1,000

Based on FCC filings for 9 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	EAST CULLMAN WATER SYSTEM serves 13,284 people
Water Source	Purchased surface water from several systems
Last State Inspection	Dec 2025
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.

197 Ryan Rd, Eva, AL 35621 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

May 2023: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

December 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

April 2026: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

February 2020: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

July 2009: Joint Tenancy Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

Internet Providers

Drinking Water

Violations Reported to EPA

Nearby Properties on Ryan Rd

Nearby Streets

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