200 Coves Dr, Vincent, AL 35178 Property Records

St. Clair County property record for 200 Coves Dr, Vincent, AL 35178

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 4,146 sqft · built 2022
Lot Size	0.78 acres (33,977 sqft)
Owner	Individual Name on File
Last Sale	$195,000 (May 2020)
Tax Bill	$2,221 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Jul 2021 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`31-08-28-0-004-001.006`

Property Details

APN / Parcel Number

Primary APN	`31-08-28-0-004-001.006`
Alternative APNs	`524229` `59654`

Interior

Full Baths	2.5 Baths
Half Baths	3 Half Baths
Building Area	4,146 sqft Heated Area
1st Floor Area	2,579 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	33,977 sqft (0.78 acres)
Boat House	900 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	200 COVES DR
City	VINCENT
State	AL
Zip	35178-8802
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 5 CUMBERLAND COVES S/D PHASE ONE MB 2006-72 21-18-3
Legal Range	03E
Legal Township	18S
Legal Section	28
Legal Subdivision	CUMBERLAND COVES S/D
Legal Phase	ONE
Legal Lot Number	5
Jurisdiction	ST CLAIR AL
Township / Civil Division	PELL CITY
Census Block Group	1
Census Block	1018
Census Tract	40213

Owner

Source: St. Clair County records · APN 31-08-28-0-004-001.006

Assessment roll updated April 17, 2026 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	200 COVES DR, VINCENT, AL 35178-8802
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 18, 2022	Deed of Trust, Mortgage · Conventional Mortgage LEGACY COMMUNITY FCU
Jul 09, 2021	Deed of Trust, Mortgage · Construction Mortgage LEGACY COMMUNITY FCU
May 21, 2020	Grant Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 21, 2020 · Amount on Record
Deed Sale	May 21, 2020 · Amount on Record
Prior Sale	Oct 31, 2006
Deed Book / Page	2020 / 4922
Record Updated	Jun 08, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR AL
Property Address	200 COVES DR, VINCENT, AL 35178-8802
Transaction Type	Mortgage
Record Updated	Mar 29, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014947
Date	Mar 18, 2022
Book Page	MTG 2022/14947

Lender

Name	LEGACY COMMUNITY FCU
Type	Credit Union
Address	BIRMINGHAM, AL 35205

Agreement

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

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR AL
Property Address	200 COVES DR, VINCENT, AL 35178-8802
Transaction Type	Mortgage
Record Updated	Mar 29, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	564 COOSA ISLAND RD, CROPWELL, AL 35054-4722

Mortgage

Document Number	0000046475
Date	Jul 09, 2021
Book Page	MTG 2021/46475

Lender

Name	LEGACY COMMUNITY FCU
Type	Credit Union
Address	BIRMINGHAM, AL 35205

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	10 Months
Due	May 01, 2022

May 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST CLAIR AL
Recording Date	May 21, 2020
Property Address	200 COVES DR, VINCENT, AL 35178-8802
Document Number	0000004922
Instrument Date	May 05, 2020
Instrument	4922
Transaction Type	Transfer
Record Updated	Jun 09, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$195.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	128 BROOKSTONE DR TRUSSVILLE AL 351731604, TRUSSVILLE, AL 35173-1604

Tax Assessment & Valuation

Source: St. Clair County records · Assessment roll updated April 17, 2026 · Last verified April 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,221.00 (+62.47%)	$76,040 (-50.37%)	$760,140 (-0.77%)
2023		$153,202 Land $37,980 Building $115,222	$766,010 Land $189,900 Building $576,110
2022	$1,367.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Clair County (01115C), as of August 22, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 011150402131, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 35 policies
Nearby Flood Policies	35 in force
Nearby Flood Claims	1 (2024)
Most Recent Claim	Jul 2024 · rainfall accumulation

Wildfire

Wildfire Risk	Moderate above 46% of the US · above 52% of Alabama
Wildfire Likelihood	0.09% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

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

Provider	Max Down / Up (Mbps)
Coosa Valley Technologies Fiber	1,000 / 1,000
Cable One Cable	1,000 / 50

May also be available: Brightspeed.

Based on FCC filings for 30 locations within half a mile of this property.

Cell Coverage

4G LTE (outdoors only), no 5G reported

Drinking Water

Source: EPA Safe Drinking Water Information System, water system AL0001437, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	NEW LONDON WATER & FP AUTHORITY serves 6,843 people
Water Source	Groundwater
Last State Inspection	Dec 2023
Lead	Under 1 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	None 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.

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