220 River Oaks Dr, Madison, AL 35758 Property Records

Madison County property record for 220 River Oaks Dr, Madison, AL 35758

Property Summary

Property Type	Single Family Home
Details	2 ba · 959 sqft · built 1996
Lot Size	0.151 acres (6,609 sqft)
Owner	Individual Name on Record
Last Sale	$169,900 (Sep 2017)
Tax Bill	$3,600 (2026)
Deeds & Mortgages	Mar 2020 Mortgage Feb 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`15-07-35-4-002-017.000`

Property Details

APN / Parcel Number

Primary APN	`15-07-35-4-002-017.000`
Alternative APN	`464681`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	959 sqft Living Area
1st Floor Area	959 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	6,609 sqft (0.151 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	464681
Street Address	220 RIVER OAKS DR
City	MADISON
State	AL
Zip	35758-6628
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 30 BLK 2 CREEKWOOD 3RD ADD A R/S OF A PORTION OF LOT 1 BLK 6 OF A R/S OF CREEKWOOD INDIAN PROPERTIES & OTHER LANDS PB 32
Legal Range	02W
Legal Township	03S
Legal Section	35
Legal Subdivision	CREEKWOOD 3RD ADD
Legal Block	2
Legal Lot Number	30
Jurisdiction	MADISON AL
Township / Civil Division	HUNTSVILLE
Census Block Group	1
Census Block	1028
Census Tract	1401

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	Individual Name on Record
Mailing Address	220 RIVER OAKS DR, MADISON, AL 35758-6628
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage REDSTONE FCU
Feb 14, 2018	Warranty Deed, Transfer · Conventional Mortgage REDSTONE FCU
Sep 25, 2017	Grant Deed, Transfer · FHA Mortgage GMFS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 25, 2017 · Amount on Record
Deed Sale	Sep 25, 2017 · Amount on Record
Prior Sale	Nov 10, 2016 · Amount on Record
Deed Document Number	2017561270
Prior Transfer Date	Sep 23, 2009
Prior Transfer Doc	0000667240
Record Updated	Oct 29, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON AL
Property Address	220 RIVER OAKS DR, MADISON, AL 35758-6628
Document Number	0000019739
Instrument Date	Mar 10, 2020
Transaction Type	Mortgage
Record Updated	Jun 24, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 RIVER OAKS DR MADISON AL 357586628, MADISON, AL 35758-6628

Mortgage

Document Number	0000019739
Date	Mar 16, 2020
Instrument	19739

Lender

Name	REDSTONE FCU
Type	Credit Union
Address	HUNTSVILLE, AL 35893

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 15, 2035

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON AL
Recording Date	Feb 14, 2018
Property Address	220 RIVER OAKS DR, MADISON, AL 35758-6628
Document Number	0000008980
Instrument Date	Feb 13, 2018
Instrument	8980
Transaction Type	Transfer
Record Updated	Feb 23, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$173.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 RIVER OAKS DR MADISON AL 357586628, MADISON, AL 35758-6628

Mortgage

Document Number	8981
Date	Feb 14, 2018
Instrument	8981

Lender

Name	REDSTONE FCU
Type	Credit Union
Address	HUNTSVILLE, AL 35893

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 13, 2048

September 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MADISON AL
Recording Date	Sep 25, 2017
Property Address	220 RIVER OAKS DR, MADISON, AL 35758-6628
Document Number	0000561270
Instrument Date	Sep 22, 2017
Instrument	561270
Transaction Type	Transfer
Record Updated	Feb 1, 2019

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$22.50
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	220 RIVER OAKS DR MADISON AL 357586628, MADISON, AL 35758-6628

Mortgage

Document Number	561280
Date	Sep 25, 2017
Instrument	561280

Lender

Name	GMFS
Address	BATON ROUGE, LA 70806

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 24, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,600.00 (+111.14%)
2025	$1,705.00 (+15.44%) Homeowner's exemption	$30,240 (+14.98%) Land $4,260 Building $25,980	$302,200 (+14.99%) Land $42,500 Building $259,700
2023	$1,477.00 (+11.47%) Homeowner's exemption	$26,300 (+11.06%) Land $4,260 Building $22,040	$262,800 (+10.98%) Land $42,500 Building $220,300
2022	$1,325.00 Homeowner's exemption	$23,680 Land $3,500 Building $20,180	$236,800 Land $35,000 Building $201,800

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 14 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	14 in force
Nearby Flood Claims	1 (1990)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Dec 1990 · Severe Storms & Flooding

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	Not rated no burnable land 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	HUNTSVILLE UTILITIES WATER DEPT. serves 310,107 people · EPA ID AL0000882
Water Source	Surface water
Last State Inspection	Aug 2023
Lead	Under 1 ppb (2024–2026) 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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 305 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
WOW Internet, Cable & Phone Cable	1,200 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Google Fiber.

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