Shelby County property record for 198 Chesser Loop Rd, Chelsea, AL 35043
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,794 sqft · built 2007 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $175,000 (Oct 2013) |
| Tax Bill | $1,265 (2026) |
| Deeds & Mortgages | Jan 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 098270006036000 |
| Primary APN | 098270006036000 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,794 sqft Heated Area |
| 1st Floor Area | 1,794 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 6,098 sqft (0.14 acres) |
| Lot Dimensions | 93 ft deep x 68.6 ft wide |
| Garage Type | Attached |
| Garage Area | 483 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 198 CHESSER LOOP RD |
|---|---|
| City | CHELSEA |
| State | AL |
| Zip | 35043-8191 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SEC/TWNSHP/RAN 27 19S 01W NBRHD: 17 CHELSEA FOOTHILLS / COTTAGES R-2 |
| Legal Range | 01W |
| Legal Township | 19S |
| Legal Section | 27 |
| Legal Subdivision | COTTAGES AT CHESSER PH 2 COTTAGES AT CHE |
| Legal Lot Number | 130 |
| Jurisdiction | SHELBY AL |
| Township / Civil Division | CHELSEA |
| Census Block Group | 1 |
| Census Block | 1027 |
| Census Tract | 30215 |
Source: Shelby County records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 198 CHESSER LOOP RD, CHELSEA, AL 35043-8191 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 18, 2013 · Amount on Record |
| Deed Sale | Oct 18, 2013 · Amount on Record |
| Prior Sale | Apr 11, 2007 · Amount on Record |
| Deed Document Number | 2013415430 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHELBY AL |
| Property Address | 198 CHESSER LOOP RD, CHELSEA, AL 35043-8191 |
| Transaction Type | Mortgage |
| Record Updated | Sep 13, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000025590 |
|---|---|
| Date | Jan 15, 2021 |
| Instrument | 20210115000025590 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2051 |
Source: Shelby County assessment roll, as of April 21, 2026
| Type | Name |
|---|---|
| State | Alabama |
| County | Shelby County |
| Municipality | Chelsea City |
| Unified School District | Shelby County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,265.00 (-3.14%) Homeowner's exemption | ||
| 2025 | $1,306.00 (+2.83%) | $29,700 (-0.34%) | $297,000 (-0.34%) Land $75,000 Building $222,000 |
| 2023 | $1,270.00 Homeowner's exemption | $29,800 | $298,000 Land $75,000 Building $223,000 |
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 January 23, 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 |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 1 (2022) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jan 2022 · other causes |
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 | Moderate above 40% of the US · lower than 66% of Alabama |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | SHELBY COUNTY COMMISSION-WATER SERVICES serves 40,101 people · EPA ID AL0001671 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Apr 2025 |
| Lead | Under 1 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 218 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Verizon.
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