210 Covedale Cir, Madison, AL 35757 Property Records

Madison County property record for 210 Covedale Cir, Madison, AL 35757

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,861 sqft · built 2002
Lot Size	0.816 acres (35,567 sqft)
Owner	2 Individual Names on File
Last Sale	$294,900 (Dec 2023)
Tax Bill	$1,933 (2026)
Deeds & Mortgages	Dec 2023 Sale & Mortgage Apr 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`15-02-03-0-002-025.017`

Property Details

APN / Parcel Number

Primary APN	`15-02-03-0-002-025.017`
Alternative APNs	`395465` `622604`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,861 sqft Living Area
1st Floor Area	1,861 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	35,567 sqft (0.816 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	622604
Street Address	210 COVEDALE CIR
City	MADISON
State	AL
Zip	35757-8431
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 22 COVE POINTE PB 41 PG 87
Legal Range	02W
Legal Township	03S
Legal Section	03
Legal Subdivision	COVE POINTE
Legal Lot Number	22
Jurisdiction	MADISON AL
Township / Civil Division	HUNTSVILLE
Census Block Group	1
Census Block	1003
Census Tract	10623

Owner

210 Covedale Cir is owned and occupied by two individuals who bought it in December 2023.

Source: Madison County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	210 COVEDALE CIR, MADISON, AL 35757-8431
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
Dec 18, 2023	Warranty Deed, Transfer · Commercial Mortgage SHANE SUMMERS
Apr 1, 2020	Deed of Trust, Mortgage · Line of Credit REGIONS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 18, 2023 · Amount on File
Deed Sale	Dec 18, 2023 · Amount on File
Prior Sale	Oct 25, 2013 · Amount on File
Deed Book / Page	2023 / 48422
Record Updated	Oct 29, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON AL
Recording Date	Dec 18, 2023
Property Address	210 COVEDALE CIR, MADISON, AL 35757-8431
Document Number	0000048422
Book / Page	DEED2023 / 48422
Map Reference	MB 41 PG 87
Instrument Date	Dec 15, 2023
Transaction Type	Transfer
Record Updated	Jan 15, 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	124 BLUE SPRUCE DR, MADISON, AL 35757-4400

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	210 COVEDALE CIR, MADISON, AL 35757-8431

Mortgage

Document Number	2023201570
Date	Dec 18, 2023
Instrument	2023/201570

Lender

Name	SHANE SUMMERS
Type	Private Party

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Mortgage

Document Number	0000201570
Date	Dec 18, 2023
Book Page	2023/201570

Lender

Name	SHANE SUMMERS & HEATHER C SUMNERS
Type	Private Party
Address	1035 RICHARDS RD NE, WHITE, GA 30184

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 17, 2053

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON AL
Property Address	210 COVEDALE CIR, MADISON, AL 35757-8431
Document Number	0000026963
Instrument Date	Apr 1, 2020
Transaction Type	Mortgage
Record Updated	Jul 9, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	210 COVEDALE CIR MADISON AL 357578431, MADISON, AL 35757-8431

Mortgage

Document Number	0000026963
Date	Apr 17, 2020
Instrument	26963

Lender

Name	REGIONS BK
Type	Bank
Address	MADISON, AL 35758

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 16, 2050

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 210 Covedale Cir was $1,933, up 1.4% from the year before.

Source: Madison County assessment roll, as of November 17, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,933.00 (+1.36%)
2025	$1,907.00	$53,260 Land $12,000 Building $41,260	$266,300 Land $60,000 Building $206,300
2023	$831.00 (+22.21%) Homeowner's exemption	$24,580 (+21.2%) Land $6,000 Building $18,580	$245,700 (+21.27%) Land $60,000 Building $185,700
2022	$680.00 Homeowner's exemption	$20,280 Land $3,760 Building $16,520	$202,600 Land $37,500 Building $165,100

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 210 Covedale Cir in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 2012.

Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · 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 8 (10% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	7 (2012–2023)
Claims Outside the SFHA	6 of 7
Most Recent Claim	Jul 2023 · 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

Wildfire risk around 210 Covedale Cir 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 181 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
WOW Internet, Cable & Phone Cable	1,200 / 50
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: Xfinity.

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