215 Coves Dr, Vincent, AL 35178 Property Records

St. Clair County property record for 215 Coves Dr, Vincent, AL 35178

Property Summary

Property Type	Single Family Home
Details	2 ba · 4,316 sqft · built 2022
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on File
Last Sale	$137,500 (Dec 2020)
Tax Bill	$2,793 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Sep 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`31-08-28-0-004-001.011`

Property Details

APN / Parcel Number

Primary APN	`31-08-28-0-004-001.011`
Alternative APNs	`530860` `59659`

Interior

Full Baths	2 Baths
Half Baths	2 Half Baths
Building Area	4,316 sqft Heated Area
1st Floor Area	2,292 sqft
Upper Floors Area	600 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Fiber Cement Siding
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	21,780 sqft (0.5 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	215 COVES DR
City	VINCENT
State	AL
Zip	35178-8803
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 10 CUMBERLAND COVES S/D PHASE ONE MB 2006-72 21-18-3
Legal Range	03E
Legal Township	18S
Legal Section	28
Legal Subdivision	CUMBERLAND COVES S/D
Legal Phase	ONE
Legal Lot Number	10
Jurisdiction	ST CLAIR AL
Township / Civil Division	PELL CITY
Census Block Group	1
Census Block	1018
Census Tract	40213

Owner

Source: St. Clair County records · APN 31-08-28-0-004-001.011

Assessment roll updated April 17, 2026 · Last verified April 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 File
Mailing Address	215 COVES DR, VINCENT, AL 35178-8803
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 16, 2025	Deed of Trust, Mortgage · Line of Credit SOUTHERN ENERGY CREDIT UNION
Sep 28, 2022	Deed of Trust, Mortgage · Line of Credit CENTRAL STATE BANK
Aug 11, 2021	Warranty Deed, Construction Loan · Construction Mortgage METRO BANK
Dec 18, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage METRO BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 18, 2020 · Amount on Record
Deed Sale	Dec 18, 2020 · Amount on Record
Prior Sale	Jun 13, 2007 · Amount on Record
Deed Book / Page	2020 / 15125
Record Updated	Jun 08, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR AL
Property Address	215 COVES DR, VINCENT, AL 35178-8803
Transaction Type	Mortgage
Record Updated	Jan 09, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	215 COVES DR, VINCENT, AL 35178-8803

Mortgage

Document Number	0000053564
Date	Dec 16, 2025
Book Page	MTG2025/53564

Lender

Name	SOUTHERN ENERGY CREDIT UNION
Address	750 17TH ST N, BIRMINGHAM, AL 35203

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Dec 15, 2045

Interest

Change Frequency	Monthly

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR AL
Property Address	215 COVES DR, VINCENT, AL 35178-8803
Transaction Type	Mortgage
Record Updated	Mar 29, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	215 COVES DR, VINCENT, AL 35178-8803

Mortgage

Document Number	0000047991
Date	Sep 28, 2022
Book Page	MTG 2022/47991

Lender

Name	CENTRAL STATE BANK
Type	Bank
Address	CALERA, AL 35040

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	ST CLAIR AL
Recording Date	Aug 11, 2021
Property Address	215 COVES DR, VINCENT, AL 35178-8803
Document Number	0000010621
Book / Page	DEED 2021 / 10621
Map Reference	MB 2006 PG 72
Instrument Date	Aug 05, 2021
Transaction Type	Construction Loan
Record Updated	Mar 29, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1213, TRUSSVILLE, AL 35173-6101

Mortgage

Document Number	MTG202158192
Date	Aug 11, 2021
Instrument	MTG 2021/58192

Lender

Name	METRO BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR AL
Recording Date	Dec 18, 2020
Property Address	215 COVES DR, VINCENT, AL 35178-8803
Document Number	0000015125
Book / Page	DEED 2020 / 15125
Map Reference	MB 2006 PG 72
Instrument Date	Dec 15, 2020
Transaction Type	Transfer
Record Updated	Oct 04, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	1 BRISTOL PL, 1, ANNISTON, AL 36207-1053

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	1904 MALLE VILLAGE CT, PELL CITY, AL 35128

Mortgage

Document Number	MTG202068759
Date	Dec 18, 2020
Instrument	MTG 2020/68759

Lender

Name	METRO BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: St. Clair County records · Assessment roll updated April 17, 2026 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Alabama
County	St. Clair County
Unified School District	Pell City City School District (PK - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,793.00 (+179.86%)	$78,940 (-50.39%)	$789,340 (-0.79%)
2023		$159,122 (+473.62%) Land $36,240 Building $122,882	$795,610 (+473.62%) Land $181,200 Building $614,410
2022	$998.00	$27,740 Land $27,740	$138,700 Land $138,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Clair County (01115C), as of August 22, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 011150402131, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 35 policies
Nearby Flood Policies	35 in force
Nearby Flood Claims	1 (2024)
Most Recent Claim	Jul 2024 · rainfall accumulation

Wildfire

Wildfire Risk	Moderate above 46% of the US · above 52% of Alabama
Wildfire Likelihood	0.09% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Coosa Valley Technologies Fiber	1,000 / 1,000
Cable One Cable	1,000 / 50

May also be available: Brightspeed.

Based on FCC filings for 30 locations within half a mile of this property.

Cell Coverage

4G LTE (outdoors only), no 5G reported

Drinking Water

Source: EPA Safe Drinking Water Information System, water system AL0001437, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	NEW LONDON WATER & FP AUTHORITY serves 6,843 people
Water Source	Groundwater
Last State Inspection	Dec 2023
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ. The full violation and enforcement history is in the system's EPA record.

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