220 E Oak St, Oxford, AL 36203 Property Records

Calhoun County property record for 220 E Oak St, Oxford, AL 36203

Property Summary

Property Type	Single Family Home
Details	2 ba · 3,018 sqft · built 1930
Lot Size	0.151 acres (6,578 sqft)
Owner	2 Individual Names on File
Tax Bill	$481 (2026)
Deeds & Mortgages	Jun 2017 Mortgage Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21-04-19-4-005-085.001`

Property Details

APN / Parcel Number

Primary APN	`21-04-19-4-005-085.001`
Alternative APNs	`193133` `67681`

Interior

Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	3,018 sqft Living Area
Gross Area	3,248 sqft
1st Floor Area	1,812 sqft
Upper Floors Area	2,411 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Exterior Material	Wood Siding
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	6,578 sqft (0.151 acres)
Lot Dimensions	66 ft deep x 108 ft wide
Garage Area	360 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Pool Area	104 sqft
Porch	Slab
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	193133
Street Address	220 E OAK ST
City	OXFORD
State	AL
Zip	36203-1245
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEC 19 TSP 16S RNG 08E TOWN OF OXFORD P/O BLK 12 BEG 385 SE OF SE INT E OAK & MCCAIN TH SE 138 S 63.1 NW 138 N 70.1 TO POB OX
Legal Range	08E
Legal Township	16S
Legal Section	19
Legal Subdivision	OXFORD
Legal Block	12
Jurisdiction	CALHOUN AL
Township / Civil Division	ANNISTON
Census Block Group	2
Census Block	2003
Census Tract	1201

Owner

220 E Oak St is owned and occupied by two individuals who acquired it in October 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	220 E OAK ST, OXFORD, AL 36203-1245
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
Jun 12, 2017	Deed of Trust, Mortgage QUICKEN LOANS INC
Oct 15, 2020	Warranty Deed, Transfer · FHA Mortgage AMERIS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 15, 2020
Deed Sale	Oct 15, 2020
Deed Document Number	20203270-1000
Deed Book / Page	3270 / 1000
Record Updated	Oct 29, 2026

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALHOUN AL
Property Address	220 E OAK ST, OXFORD, AL 36203-1245
Transaction Type	Mortgage
Record Updated	Aug 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004841/400
Date	Jun 12, 2017
Book Page	4841/400

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Amount	Amount on Record
Term	180 Months
Due	Jun 1, 2032

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CALHOUN AL
Recording Date	Oct 15, 2020
Property Address	220 E OAK ST, OXFORD, AL 36203-1245
Document Number	03270/1000
Book / Page	3270 / 1000
Instrument Date	Sep 4, 2020
Instrument	3270-1000
Transaction Type	Transfer
Record Updated	Aug 10, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 E OAK ST, OXFORD, AL 36203-1245

Mortgage

Document Number	0049690993
Date	Oct 15, 2020
Instrument	4969/0993

Lender

Name	AMERIS BANK

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 220 E Oak St was $481 with a homeowner's exemption, up 3.4% from the year before.

Source: Calhoun County assessment roll, as of December 2, 2025

Property Jurisdictions

Type	Name
State	Alabama
County	Calhoun County
Municipality	Oxford City
Unified School District	Oxford City School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$481.00 (+3.44%)
2025	$465.00 Homeowner's exemption	$10,880 (+0.07%)	$108,720 (-) Land $10,000 Building $98,720
2024	$465.00 Homeowner's exemption	$10,872 (-) Land $1,000 Building $9,872	$108,720 (-) Land $10,000 Building $98,720
2023	$465.00 (-9.88%) Homeowner's exemption	$10,872 (-) Land $1,000 Building $9,872	$108,720 (-) Land $10,000 Building $98,720
2022	$516.00 Homeowner's exemption	$10,872 Land $1,000 Building $9,872	$108,720 Land $10,000 Building $98,720

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 220 E Oak St in Zone X, an area of minimal flood risk, though there have been 12 flood claims nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective August 27, 2021 · 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 Policies	2 in force
Nearby Flood Claims	12 (1979–2010)
Most Recent Claim	Apr 2010 · other causes
Claims by Event	Severe Storms, Tornadoes & Flooding, Mar 1990 · 2 claims

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 220 E Oak St is low, with 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 80% of the US · lower than 91% of Alabama
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within 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	OXFORD WATER WORKS & SEWER BOARD serves 31,239 people · EPA ID AL0000162
Water Source	Surface water
Last State Inspection	Jun 2024
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Trichloroethylene resolved · Apr 2024
Treatment and Procedure	None last 10 years
Monitoring and Reporting	22 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 172 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Sparklight Cable	1,000 / 50

May also be available: T-Mobile, Verizon.

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