20646 Calcutta St, Athens, AL 35611 Property Records

Limestone County property record for 20646 Calcutta St, Athens, AL 35611

Property Summary

Property Type	Single Family Home
Details	3 ba · 3,969 sqft · built 2023
Lot Size	0.41 acres (17,860 sqft)
Owner	Individual Name on File
Last Sale	$719,920 (Jul 2023)
Tax Bill	$800 (2023)
Deeds & Mortgages	Nov 2024 Construction Loan Jul 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1008280002004000`

Property Details

APN / Parcel Number

Primary APN	`1008280002004000`
Alternative APNs	`11011210` `66517`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	3,969 sqft Living Area
Upper Floors Area	818 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 2023
Exterior Material	Brick
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	17,860 sqft (0.41 acres)
Lot Dimensions	175 ft deep x 102 ft wide
Garage Type	Attached
Garage Area	992 sqft
Parking Spaces	4 Parking Spaces
Porch	Open Porch
Porch Area	392 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	11011210
Street Address	20646 CALCUTTA ST
City	ATHENS
State	AL
Zip	35611-6192
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DIST:2 CITY/MUNI/TWP:ATHENS SEC/TWN/RNG/MER:SEC 28 TWN 03S RNG 04W
Jurisdiction	LIMESTONE AL
Township / Civil Division	ATHENS
Census Block Group	1
Census Block	1010
Census Tract	21102

Owner

20646 Calcutta St is owned and occupied by an individual who bought it in July 2023.

Source: Limestone County records, as of February 27, 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
Co-owner	Co-owner on File
Mailing Address	20646 CALCUTTA ST, ATHENS, AL 35611-6192
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 8, 2024	Deed of Trust, Mortgage · Construction Mortgage SOUTHSTATE BANK NA
Jul 26, 2023	Warranty Deed, Subdivision Related Transfer · VA Mortgage SOUTHSTATE BANK NA
Feb 1, 2023	Warranty Deed, Transfer · Commercial Mortgage AVADIAN CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 26, 2023 · Amount on File
Deed Sale	Jul 26, 2023 · Amount on File
Prior Sale	Feb 1, 2023 · Amount on File
Deed Document Number	0202350727
Deed Book / Page	2023 / 50727
Record Updated	Jun 8, 2026

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LIMESTONE AL
Property Address	20646 CALCUTTA ST, ATHENS, AL 35611-6192
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2024/86786
Date	Nov 8, 2024
Book Page	2024/86786

Lender

Name	SOUTHSTATE BANK NA
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2054

July 2023: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	LIMESTONE AL
Recording Date	Jul 26, 2023
Property Address	20646 CALCUTTA ST, ATHENS, AL 35611-6192
Document Number	2023/50727
Book / Page	2023 / 50727
Instrument Date	Jul 19, 2023
Transaction Type	Subdivision Related Transfer
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
Address	1435 BALCH RD UNIT 10209, 10209, MADISON, AL 35757-6391

Mortgage

Document Number	2023050729
Date	Jul 26, 2023
Instrument	2023/050729

Lender

Name	SOUTHSTATE BANK NA
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LIMESTONE AL
Recording Date	Feb 1, 2023
Property Address	20646 CALCUTTA ST, ATHENS, AL 35611-6192
Document Number	02023/6442
Book / Page	2023 / 6442
Map Reference	MB K PG 158
Instrument Date	Jan 31, 2023
Transaction Type	Transfer
Record Updated	Apr 2, 2026

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

Mortgage

Document Number	0020236444
Date	Feb 1, 2023
Instrument	2023/6444

Lender

Name	AVADIAN CU
Type	Credit Union

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

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

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	Homeowner's exemption Disabled Person's exemption	$83,040 (+46.56%)	$830,400 (+46.58%) Land $112,000 Building $718,400
2024		$56,660	$566,500 Land $112,000 Building $454,500
2023	$800.00

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.

Flood

FEMA maps place 20646 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 20646 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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