1981 Speigle St, Montgomery, AL 36107 Property Records

Montgomery County property record for 1981 Speigle St, Montgomery, AL 36107

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,290 sqft · built 1950
Lot Size	0.184 acres (8,000 sqft)
Owner	Individual Name on File
Last Sale	$3,500 (Jun 2025)
Tax Bill	$606 (2026)
Deeds & Mortgages	Mar 2024 Mortgage Mar 2024 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`10-03-05-1-004-035.000`

Property Details

APN / Parcel Number

Primary APN	`10-03-05-1-004-035.000`
Alternative APNs	`0310030501004035000` `234054`

Interior

Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,290 sqft Living Area
1st Floor Area	1,290 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Exterior Material	Vinyl
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	8,000 sqft (0.184 acres)
Lot Dimensions	100 ft deep x 80 ft wide
Porch	Slab
Porch Area	51 sqft
Patio Area	36 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	234054
Street Address	1981 SPEIGLE ST
City	MONTGOMERY
State	AL
Zip	36107-1043
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-65-D
Legal Description	1003051004035000
Legal Range	18E
Legal Township	16N
Legal Section	05
Legal Subdivision	HIGHLAND GARDENS RESUB
Legal Lot Number	1A
Jurisdiction	MONTGOMERY AL
Township / Civil Division	MONTGOMERY
Census Block Group	5
Census Block	5004
Census Tract	400

Owner

1981 Speigle St is owned and occupied by an individual who bought it in June 2025.

Source: Montgomery 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 File
Mailing Address	1981 SPEIGLE ST, MONTGOMERY, AL 36107-1043
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 12, 2024	Deed of Trust, Mortgage · Commercial Mortgage BANK OF AMERICA NA
Mar 12, 2024	Warranty Deed, Transfer
Oct 11, 2018	Warranty Deed, Transfer ATTORNEY ONLY
Jun 14, 2018	Grant Deed, Transfer OS NATIONAL LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 16, 2025 · Amount on File
Deed Sale	Jun 16, 2025 · Amount on File
Prior Sale	Mar 12, 2024 · Amount on File
Deed Document Number	20254762925
Prior Transfer Date	Sep 19, 2018
Prior Transfer Doc	0051580574
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY AL
Property Address	1981 SPEIGLE ST, MONTGOMERY, AL 36107-1043
Transaction Type	Mortgage
Record Updated	Apr 9, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0060990271
Date	Mar 12, 2024
Book Page	6099/271

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	NEW YORK, NY 10036

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY AL
Recording Date	Mar 12, 2024
Property Address	1981 SPEIGLE ST, MONTGOMERY, AL 36107-1043
Document Number	0060990252
Book / Page	6099 / 252
Map Reference	MB 19 PG 99
Instrument Date	Feb 21, 2024
Transaction Type	Transfer
Record Updated	Mar 26, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3500 PARK CENTER DR STE 100, 100, DAYTON, OH 45414-2680

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3500 PARK CENTER DR STE 100, 100, DAYTON, OH 45414-2680
Investor	Possibly a Property Investor

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY AL
Recording Date	Oct 11, 2018
Property Address	1981 SPEIGLE ST, MONTGOMERY, AL 36107-1043
Document Number	0051580574
Book / Page	005158 / 000574
Instrument Date	Sep 27, 2018
Transaction Type	Transfer
Record Updated	Oct 26, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$852.50
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1505 KING STREET EXT #100 CHARLESTON SC 294059442, 100, CHARLESTON, SC 29405-9442

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTGOMERY AL
Recording Date	Jun 14, 2018
Property Address	1981 SPEIGLE ST, MONTGOMERY, AL 36107-1043
Document Number	0051140032
Book / Page	005114 / 000032
Instrument Date	Jun 14, 2018
Transaction Type	Transfer
Record Updated	Jul 5, 2018
Title Company	OS NATIONAL LLC

Transaction

Amount	Amount on Record
Tax	$49.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1505 KING STREET EXT #100 CHARLESTON SC 294059442, 100, CHARLESTON, SC 29405-9442
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2026 property tax bill for 1981 Speigle St was $606, up 6.5% from the year before.

Source: Montgomery County assessment roll, as of October 7, 2025

Property Jurisdictions

Type	Name
State	Alabama
County	Montgomery County
Municipality	Montgomery City
Unified School District	Montgomery County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$606.00 (+6.5%)
2025	$569.00	$11,600 Land $1,500 Building $10,100	$58,000 Land $7,500 Building $50,500
2023	$513.00	$10,460 Land $1,500 Building $8,960	$52,300 Land $7,500 Building $44,800

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

Flood

FEMA maps place 1981 Speigle St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 20, 2026

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

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

Wildfire

Wildfire risk around 1981 Speigle St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.8% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF MONTGOMERY, THE WW&SSB OF THE serves 276,000 people · EPA ID AL0001070
Water Source	Surface water
Last State Inspection	Feb 2025
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 489 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
WOW Internet, Cable & Phone Cable	1,200 / 50
Spectrum Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: C Spire Wireless.

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