Chambers County property record for 2206 40th St, Valley, AL 36854
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,564 sqft · built 1948 |
| Lot Size | 0.32 acres (14,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $231,900 (Apr 2025) |
| Tax Bill | $449 (2025) |
| Deeds & Mortgages | Jan 2026 Mortgage Feb 2024 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-18-03-07-2-003-003.000 |
| Primary APN | 12-18-03-07-2-003-003.000 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,564 sqft Living Area |
| 1st Floor Area | 1,564 sqft |
| Upper Floors Area | 1,424 sqft |
| Flooring | Hardwood |
| Interior Walls | Paneling |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1948 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 14,000 sqft (0.32 acres) |
| Lot Dimensions | 270 ft deep x 140 ft wide |
| Garage Type | Mixed |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 126 sqft |
| Utility Building | 400 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 446435 |
|---|---|
| Street Address | 2206 40TH ST |
| City | VALLEY |
| State | AL |
| Zip | 36854-3305 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 5, 6 & THE E70' OF LOT 19 BLOCK WEADY CITY SUB.M.B.2 PG.61IN NW1/4 OF NW1/4.S7 T21N R29ECITY OF VALLEY |
| Legal Range | 29 |
| Legal Township | 21 |
| Legal Section | 07 |
| Legal Subdivision | EADY CITY SUB |
| Legal Block | W |
| Legal Lot Number | 5,6,19 |
| Jurisdiction | CHAMBERS AL |
| Township / Civil Division | VALLEY |
| Census Block Group | 3 |
| Census Block | 3023 |
| Census Tract | 954600 |
2206 40th St is owned and occupied by an individual who bought it in April 2025.
Source: Chambers County records, as of May 12, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2206 40TH ST, VALLEY, AL 36854-3305 |
| 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.
| Date | Document |
|---|---|
| Jan 12, 2026 | Deed of Trust, Mortgage · VA Mortgage SOVEREIGN LENDING GROUP INC |
| Feb 5, 2024 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Sep 21, 2022 | Deed of Trust, Mortgage · Line of Credit MAX CU |
| Oct 26, 2017 | Deed of Trust, Mortgage · Line of Credit CHARTERBANK |
| Mar 3, 2020 | Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU |
| May 10, 2019 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 15, 2025 · Amount on File |
| Deed Sale | Apr 15, 2025 · Amount on File |
| Prior Sale | May 10, 2019 · Amount on File |
| Deed Document Number | 20251893 |
| Prior Transfer Date | May 6, 2019 |
| Prior Transfer Doc | 02019/2057 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHAMBERS AL |
| Property Address | 2206 40TH ST, VALLEY, AL 36854-3305 |
| Transaction Type | Mortgage |
| Record Updated | Feb 9, 2026 |
| Title Company | TIMIOS INC |
| Name | Verified Name |
|---|
| Document Number | 002026/147 |
|---|---|
| Date | Jan 12, 2026 |
| Book Page | 2026/147 |
| Name | SOVEREIGN LENDING GROUP INC |
|---|---|
| Type | Mortgage Company |
| Address | COSTA MESA, CA 92626 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHAMBERS AL |
| Property Address | 2206 40TH ST, VALLEY, AL 36854-3305 |
| Transaction Type | Mortgage |
| Record Updated | Feb 20, 2024 |
| Name | Verified Name |
|---|
| Document Number | 002024/444 |
|---|---|
| Date | Feb 5, 2024 |
| Book Page | 2024/444 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 171 Months |
| Due | Feb 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHAMBERS AL |
| Property Address | 2206 40TH ST, VALLEY, AL 36854-3305 |
| Transaction Type | Mortgage |
| Record Updated | Oct 10, 2022 |
| Name | Verified Name |
|---|
| Document Number | 02022/4427 |
|---|---|
| Date | Sep 21, 2022 |
| Book Page | 2022/4427 |
| Name | MAX CU |
|---|---|
| Type | Credit Union |
| Address | MONTGOMERY, AL 36117 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Sep 20, 2037 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHAMBERS AL |
| Property Address | 2206 40TH ST, VALLEY, AL 36854-3305 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 20174271 |
|---|---|
| Date | Oct 26, 2017 |
| Instrument | 2017-4271 |
| Name | CHARTERBANK |
|---|---|
| Type | Bank |
| Address | VALLEY, AL 36854 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Oct 6, 2027 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHAMBERS AL |
| Property Address | 2206 40TH ST, VALLEY, AL 36854-3305 |
| Transaction Type | Mortgage |
| Record Updated | Jul 1, 2020 |
| Title Company | NAVY FEDERAL TITLE SVCS LLC |
| Name | Verified Name |
|---|
| Document Number | 2020/984 |
|---|---|
| Date | Mar 3, 2020 |
| Book Page | 2020/984 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CHAMBERS AL |
| Recording Date | May 10, 2019 |
| Property Address | 2206 40TH ST, VALLEY, AL 36854-3305 |
| Document Number | 02019/2057 |
| Book / Page | 2019 / 2057 |
| Instrument Date | May 6, 2019 |
| Transaction Type | Transfer |
| Record Updated | Jan 21, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2206 40TH ST, VALLEY, AL 36854-3305 |
The 2025 property tax bill for 2206 40th St was $449 with a homeowner's exemption, up 8.2% from the year before.
Source: Chambers County assessment roll, as of May 12, 2026
| Type | Name |
|---|---|
| State | Alabama |
| County | Chambers County |
| Municipality | Valley City |
| Unified School District | Chambers County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $449.00 (+8.19%) | $32,120 (+180.77%) Land $1,300 Building $30,820 | $160,600 (+40.56%) Land $6,500 Building $154,100 |
| 2024 | $415.00 | $11,440 (-) Land $660 Building $10,780 | $114,260 (-) Land $6,470 Building $107,790 |
| 2023 | $415.00 Additional exemption filed | $11,440 (-) Land $660 Building $10,780 | $114,260 (-) Land $6,470 Building $107,790 |
| 2022 | $415.00 Additional exemption filed | $11,440 Land $660 Building $10,780 | $114,260 Land $6,470 Building $107,790 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 2206 40th St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2003.
Source: FEMA National Flood Hazard Layer, effective February 18, 2011 · 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 | 2 (2003) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | May 2003 · Severe Storms, Tornadoes, And Flooding |
| Claims by Event |
|
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 risk around 2206 40th St is moderate, ranking above 46% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 46% of the US · above 52% of Alabama |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | EAST ALABAMA, WATER & FIRE PRO DISTRICT serves 17,532 people · EPA ID AL0000174 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Jun 2023 |
| Lead | 2 ppb (2023–2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 54 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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