20630 Calcutta St, Athens, AL 35611 Property Records

Limestone County property record for 20630 Calcutta St, Athens, AL 35611

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 5,526 sqft · built 2023
Lot Size	0.55 acres (23,958 sqft)
Owner	2 Individual Names on File
Last Sale	$105,000 (Oct 2022)
Tax Bill	$4,187 (2025)
Deeds & Mortgages	Oct 2022 Sale Oct 2022 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`1008280002003000`

Property Details

APN / Parcel Number

Primary APN	`1008280002003000`
Alternative APNs	`11011209` `66516`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	5,526 sqft Living Area
1st Floor Area	3,224 sqft
Upper Floors Area	2,412 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	23,958 sqft (0.55 acres)
Lot Dimensions	169 ft deep x 77.3 ft wide
Garage Type	Attached
Garage Area	618 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	422 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	11011209
Street Address	20630 CALCUTTA ST
City	ATHENS
State	AL
Zip	35611-6192
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Range	04W
Legal Township	03S
Legal Section	28
Legal Subdivision	LAKEWOOD SUB PH 1
Jurisdiction	LIMESTONE AL
Township / Civil Division	ATHENS
Census Block Group	1
Census Block	1010
Census Tract	21102

Owner

20630 Calcutta St is owned and occupied by two individuals who bought it in October 2022.

Source: Limestone County records, as of April 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	20630 CALCUTTA ST, ATHENS, AL 35611-6192
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2022	Warranty Deed, Transfer
Oct 6, 2022	Warranty Deed, Construction Loan · Construction Mortgage SOUTHSTATE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 6, 2022 · Amount on File
Deed Sale	Oct 6, 2022 · Amount on File
Record Updated	Jun 8, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LIMESTONE AL
Recording Date	Oct 6, 2022
Property Address	20630 CALCUTTA ST, ATHENS, AL 35611-6192
Document Number	2022/85384
Book / Page	2022 / 85384
Map Reference	MB K PG 158
Instrument Date	Oct 3, 2022
Transaction Type	Transfer
Record Updated	Mar 29, 2024

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7545 HIGHWAY 72 W # WA, WA, MADISON, AL 35758-9506

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7545 HIGHWAY 72 W # A, A, MADISON, AL 35758-9506
Investor	Possibly a Property Investor

October 2022: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	LIMESTONE AL
Recording Date	Oct 6, 2022
Property Address	20630 CALCUTTA ST, ATHENS, AL 35611-6192
Document Number	2022/85386
Book / Page	2022 / 85386
Map Reference	MB K PG 158
Instrument Date	Oct 3, 2022
Transaction Type	Construction Loan
Record Updated	Mar 29, 2024

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7545 HIGHWAY 72 W # WA, WA, MADISON, AL 35758-9506

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship

Mortgage

Document Number	2022085388
Date	Oct 6, 2022
Instrument	2022/085388

Lender

Name	SOUTHSTATE BANK NA
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.88%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2020
Change Frequency	Annually
Min Rate At Change	3.88%
Max Rate At Change	7.88%
Index	1-Year CMT
Max Rate	11.8%

Tax Assessment & Valuation

The 2025 property tax bill for 20630 Calcutta St was $4,187 with a homeowner's exemption, down 0.9% from the year before.

Source: Limestone County assessment roll, as of March 2, 2026

Property Jurisdictions

Type	Name
State	Alabama
Municipality	Athens City
County	Limestone County
Unified School District	Athens City School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,187.00 (-0.9%) Homeowner's exemption	$106,000 (-0.9%)	$1,059,900 (-0.9%) Land $112,000 Building $947,900
2024	$4,225.00 Homeowner's exemption	$106,960	$1,069,500 Land $112,000 Building $957,500

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

Flood

FEMA maps place 20630 Calcutta St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2019.

Source: FEMA National Flood Hazard Layer, effective October 29, 2025 · 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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2019)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2019 · river or lake flooding

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.

Wildfire

Wildfire risk around 20630 Calcutta 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 97% of the US · lower than 99.2% 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	ATHENS UTILITIES serves 43,431 people · EPA ID AL0000824
Water Source	Surface water
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	Chlorine dioxide resolved · Dec 2025
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 100 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile, WOW Internet, Cable & Phone.

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