20 Smith St, Florence, AL 35630 Property Records

Lauderdale County property record for 20 Smith St, Florence, AL 35630

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,164 sqft · built 1950
Lot Size	0.344 acres (15,000 sqft)
Owner	2 Individual Names on Record
Tax Bill	$290 (2025)
Deeds & Mortgages	Oct 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23-03-06-3-011-027-000`

Property Details

APN / Parcel Number

Primary APN	`23-03-06-3-011-027-000`
Alternative APNs	`095854` `43360` `95854`

Interior

Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,164 sqft Adjusted Area
1st Floor Area	816 sqft
Flooring	Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1950
Exterior Material	Wood
Foundation Type	Retaining Wall
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	15,000 sqft (0.344 acres)
Lot Dimensions	150 ft deep x 100 ft wide

Location & Zoning

Account Number	95854
Street Address	20 SMITH ST
City	FLORENCE
State	AL
Zip	35630-4047
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02
Legal Description	100 X 150 CITY OF FLORENCE BLK 769 LOTS 12-13 MORTGAGE AGREEMENT 2019/43354
Legal Range	10W
Legal Township	03S
Legal Section	06
Legal Subdivision	CITY OF FLORENCE BLOCK 0769
Legal Block	769
Legal Lot Number	12-13 13
Jurisdiction	LAUDERDALE AL
Township / Civil Division	FLORENCE
Census Block Group	1
Census Block	1013
Census Tract	10800

Owner

Source: Lauderdale County records, as of November 21, 2025

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 Record
Mailing Address	20 SMITH ST, FLORENCE, AL 35630-4047
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Jun 8, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAUDERDALE AL
Property Address	20 SMITH ST, FLORENCE, AL 35630-4047
Transaction Type	Mortgage
Record Updated	May 14, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019/43354
Date	Oct 9, 2019
Book Page	2019/43354

Lender

Name	WILLARD D WRIGHT
Type	Seller
Address	1155 COUNTY ROAD 36, KILLEN, AL 35645

Agreement

Type	Seller Carry-Back
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Lauderdale County assessment roll, as of January 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$290.00 (+8.61%) Homeowner's exemption	$7,240 (+6.78%)	$74,320 (+9.62%) Land $9,400 Building $64,920
2024	$267.00 (+14.59%) Homeowner's exemption	$6,780 (+792.11%) Land $820 Building $5,960	$67,800 (+11.7%) Land $8,200 Building $59,600
2023	$233.00 (+25.27%) Homeowner's exemption	$760 (-85.16%) Land $760	$60,700 (+18.79%) Land $7,500 Building $53,200
2022	$186.00 Homeowner's exemption	$5,120	$51,100 Land $8,400 Building $42,700

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

Flood

Source: FEMA National Flood Hazard Layer, effective August 1, 2018

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

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

Wildfire Risk	Low lower than 80% of the US · lower than 91% of Alabama
Wildfire Likelihood	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 FLORENCE WATER DEPARTMENT serves 77,766 people · EPA ID AL0000783
Water Source	Surface water
Last State Inspection	May 2023
Lead	3 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 287 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
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20