20981 Chesser Rd, Red Level, AL 36474 Property Records

Covington County property record for 20981 Chesser Rd, Red Level, AL 36474

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,048 sqft · built 1970
Lot Size	16 acres (696,960 sqft)
Owner	Individual Name on Record
Last Sale	$67,000 (Sep 2025)
Tax Bill	$227 (2025)
Deeds & Mortgages	Feb 2021 Line of Credit Dec 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23-05-01-12-0-000-007.003`

Property Details

APN / Parcel Number

Primary APN	`23-05-01-12-0-000-007.003`
Alternative APNs	`05011200000070030` `0501120000007003` `23326060`

Interior

Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,048 sqft Living Area
1st Floor Area	1,048 sqft
Flooring	Vinyl/Resilient
Interior Walls	Paneling
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 2019
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	696,960 sqft (16 acres)
Porch	Slab

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	23326060
Street Address	20981 CHESSER RD
City	RED LEVEL
State	AL
Zip	36474-4931
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DB/PG>2017/9969 JSD 7/21/17 BEG @ NE COR OF SW4 OF SW4 SEC 12 T6N R14E POB; TH S-1318.7' TO N R/W CHESSER RD; W-197.5' ALG
Legal Range	14E
Legal Township	06N
Legal Section	12
Jurisdiction	COVINGTON AL
Township / Civil Division	ANDALUSIA
Census Block Group	1
Census Block	1020
Census Tract	961700

Owner

Source: Covington County records, as of June 18, 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 Record
Mailing Address	100 ROCKMAN LN, DEFUNIAK SPRINGS, FL 32433-0212
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 10, 2021	Deed of Trust, Mortgage · Line of Credit CCB COMMUNITY BANK
Dec 23, 2019	Warranty Deed, Transfer · Commercial Mortgage CCB COMMUNITY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 4, 2025 · Amount on Record
Deed Sale	Sep 4, 2025 · Amount on Record
Prior Sale	Dec 23, 2019 · Amount on Record
Deed Book / Page	2025 / 16832
Prior Transfer Date	Jun 4, 2024
Prior Transfer Doc	02024/9038
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COVINGTON AL
Property Address	20981 CHESSER RD, RED LEVEL, AL 36474-4931
Transaction Type	Mortgage
Record Updated	Oct 20, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20981 CHESSER RD, RED LEVEL, AL 36474-4931

Mortgage

Document Number	02021/3261
Date	Feb 10, 2021
Book Page	2021/3261

Lender

Name	CCB COMMUNITY BANK
Type	Bank
Address	ANDALUSIA, AL 36420

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COVINGTON AL
Recording Date	Dec 23, 2019
Property Address	20981 CHESSER RD, RED LEVEL, AL 36474-4931
Document Number	2019/22207
Book / Page	2019 / 22207
Instrument Date	Dec 17, 2019
Transaction Type	Transfer
Record Updated	Jul 15, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1306 MAGNOLIA ST, 1306, ANDALUSIA, AL 36420-5138

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	20981 CHESSER RD, RED LEVEL, AL 36474-4931

Mortgage

Document Number	0201922225
Date	Dec 23, 2019
Instrument	2019/22225

Lender

Name	CCB COMMUNITY BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Dec 5, 2029

Tax Assessment & Valuation

Source: Covington County assessment roll, as of June 18, 2026

Property Jurisdictions

Type	Name
State	Alabama
County	Covington County
Unified School District	Covington County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$227.00	$16,740 (+27.63%) Land $14,080 Building $2,660	$83,700 (-36.18%) Land $70,400 Building $13,300
2023	Additional exemption filed	$13,116 Land $7,670 Building $5,446	$131,160 Land $76,700 Building $54,460

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

Source: FEMA National Flood Hazard Layer, effective November 4, 2009 · 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
Nearby Flood Claims	3 (1998–2001)
Most Recent Claim	Mar 2001 · rainfall accumulation

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

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

Wildfire Risk	Moderate above 48% of the US · above 56% of Alabama
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
BuzzBroadband Fiber	2,000 / 2,000

Cell Coverage

4G LTE only, no 5G reported

Nearby Properties on Chesser Rd

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