2108 Cherry Tree Rd, Gurley, AL 35748 Property Records

Madison County property record for 2108 Cherry Tree Rd, Gurley, AL 35748

Property Summary

Property Type	Single Family Home
Details	7 ba · 4,907 sqft · built 2024
Lot Size	11.5 acres (500,940 sqft)
Owner	2 Individual Names on Record
Last Sale	$63,000 (May 2018)
Tax Bill	$6,730 (2026)
Deeds & Mortgages	Sep 2025 Line of Credit Nov 2023 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`22-01-11-0-000-067.000`

Property Details

APN / Parcel Number

Primary APN	`22-01-11-0-000-067.000`
Alternative APNs	`091163` `554179`

Interior

Full Baths	6 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	4,907 sqft Living Area
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	500,940 sqft (11.5 acres)
Garage Area	3,787 sqft
Parking Spaces	13 Parking Spaces
Pool Type	Pool with Hot Tub/Spa
Pool Area	100 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	554179
Street Address	2108 CHERRY TREE RD
City	GURLEY
State	AL
Zip	35748-9330
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEC 11 T5S R2E PART OF THE NW 1/4 OF THE SE 1/4 OF SEC 11 DESC AS COM AT THE SW COR OF SD SEC TH E 2639.90 FT TH N 04 DEG E 2
Legal Range	02E
Legal Township	05S
Legal Section	11
Jurisdiction	MADISON AL
Township / Civil Division	NEW HOPE
Census Block Group	1
Census Block	1005
Census Tract	11400

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	2108 CHERRY TREE RD, GURLEY, AL 35748-9330
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2025	Deed of Trust, Mortgage · Line of Credit SERVISFIRST BANK
Nov 1, 2023	Deed of Trust, Mortgage · Construction Mortgage SOUTH STATE BANK NA
Jul 9, 2025	Deed of Trust, Mortgage · Conventional Mortgage SOUTHSTATE BANK NA
May 30, 2018	Grant Deed, Transfer · Conventional Mortgage REDSTONE FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 30, 2018 · Amount on Record
Deed Sale	May 30, 2018 · Amount on Record
Prior Sale	Jul 25, 2006 · Amount on Record
Deed Document Number	201833379
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON AL
Property Address	2108 CHERRY TREE RD, GURLEY, AL 35748-9330
Transaction Type	Mortgage
Record Updated	Nov 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2108 CHERRY TREE RD, GURLEY, AL 35748-9330

Mortgage

Document Number	0000172483
Date	Sep 16, 2025
Book Page	2025/172483

Lender

Name	SERVISFIRST BANK
Type	Bank
Address	2500 WOODCREST PL, BIRMINGHAM, AL 35209

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Change Frequency	Monthly

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON AL
Property Address	2108 CHERRY TREE RD, GURLEY, AL 35748-9330
Transaction Type	Mortgage
Record Updated	Nov 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	197 PAUL DR, BROWNSBORO, AL 35741-9695

Mortgage

Document Number	0000179875
Date	Nov 1, 2023
Book Page	MTG 2023/179875

Lender

Name	SOUTH STATE BANK NA
Type	Bank
Address	CHARLESTON, SC 29406

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	9%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2030
Change Frequency	Annually
Min Rate At Change	7%
Max Rate At Change	11%
Index	1-Year T-Bill
Max Rate	15%

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON AL
Property Address	2108 CHERRY TREE RD, GURLEY, AL 35748-9330
Transaction Type	Mortgage
Record Updated	Nov 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000125289
Date	Jul 9, 2025
Book Page	20-/125289

Lender

Name	SOUTHSTATE BANK NA
Type	Bank
Address	2440 MALL DR, NORTH CHARLESTON, SC 29406

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2032
Change Frequency	Annually
Min Rate At Change	4%
Max Rate At Change	8%
Index	1-Year CMT
Max Rate	12%

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MADISON AL
Recording Date	May 30, 2018
Property Address	CHERRY TREE RD, GURLEY, AL 35748
Document Number	0000033379
Instrument Date	May 29, 2018
Instrument	33379
Transaction Type	Transfer
Record Updated	Jun 26, 2018
Title Company	OTHER

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$63.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4743 AUTUMN DUSK DR SE OWENS CROSS ROADS AL 357632006, OWENS CROSS ROADS, AL 35763-2006

Mortgage

Document Number	33380
Date	May 30, 2018
Instrument	33380

Lender

Name	REDSTONE FCU
Type	Credit Union
Address	HUNTSVILLE, AL 35893

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 29, 2033

Tax Assessment & Valuation

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	$6,730.00 (-27.15%)
2025	$9,238.00 (+1,999.55%)	$257,000 (+1,855.86%) Land $26,260 Building $230,740	$1,180,100 (+798.78%) Land $131,300 Building $1,048,800
2023	$440.00 (+91.3%)	$13,140 (+90.99%) Land $13,140	$131,300 (+90.84%) Land $131,300
2022	$230.00	$6,880 Land $6,880	$68,800 Land $68,800

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 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
Flood Insurance Cost	Premium on Record median of 15 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	4 (2013–2021)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Oct 2021 · 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	Low lower than 80% of the US · lower than 91% of Alabama
Wildfire Likelihood	0.02% 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 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
NHTC Fiber	8,000 / 8,000

Cell Coverage

5G (outdoors only) and 4G LTE

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