225 Coves Dr, Vincent, AL 35178 Property Records

St. Clair County property record for 225 Coves Dr, Vincent, AL 35178

Property Summary

Property Type	Vacant Land
Lot Size	0.58 acres (25,265 sqft)
Owner	Individual Name on Record
Last Sale	$185,000 (Mar 2021)
Tax Bill	$2,236 (2025)
Deeds & Mortgages	May 2023 Construction Loan Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`31-08-28-0-004-001.010`

Property Details

APN / Parcel Number

Primary APN	`31-08-28-0-004-001.010`
Alternative APNs	`530859` `59658`

Exterior

Lot Area	25,265 sqft (0.58 acres)

Location & Zoning

Street Address	225 COVES DR
City	VINCENT
State	AL
Zip	35178-8803
Property Category	Vacant Land
Property Type	Vacant Land > Uncategorized
Legal Description	LOT 9 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	9
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, as of July 17, 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	225 COVES DR, VINCENT, AL 35178-8803
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 31, 2023	Deed of Trust, Mortgage · Construction Mortgage GMFS LLC
Mar 15, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage METRO BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 15, 2021 · Amount on Record
Deed Sale	Mar 15, 2021 · Amount on Record
Prior Sale	Dec 4, 2006 · Amount on Record
Deed Book / Page	2021 / 3256
Record Updated	Sep 20, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR AL
Property Address	225 COVES DR, VINCENT, AL 35178-8803
Transaction Type	Mortgage
Record Updated	Sep 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1910 TREE TOP LN 1910, 1910, VESTAVIA HILLS, AL 35216-2812

Mortgage

Document Number	0000017702
Date	May 31, 2023
Book Page	MTG 2023/17702

Lender

Name	GMFS LLC
Type	Subprime Lender
Address	BATON ROUGE, LA 70806

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	370 Months
Due	Mar 1, 2054

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR AL
Recording Date	Mar 15, 2021
Property Address	225 COVES DR, VINCENT, AL 35178-8803
Document Number	0000003256
Book / Page	DEED 2021 / 3256
Map Reference	MB 2006 PG 72
Instrument Date	Mar 9, 2021
Transaction Type	Transfer
Record Updated	Sep 27, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	85 AVENUE DE LA MER UNIT 304, 304, PALM COAST, FL 32137-1226

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 170217, BIRMINGHAM, AL 35217-0217

Mortgage

Document Number	0000018093
Date	Mar 15, 2021
Book Page	MTG 2021/18093

Lender

Name	METRO BANK
Type	Bank
Address	PELL CITY, AL 35128

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: St. Clair County assessment roll, as of April 17, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,236.00 (+57.02%)	$63,460 (+60.33%)	$634,270 (+220.5%)
2023		$39,580 (-) Land $39,580	$197,900 (-) Land $197,900
2022	$1,424.00	$39,580 Land $39,580	$197,900 Land $197,900

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 August 22, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

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

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

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	NEW LONDON WATER & FP AUTHORITY serves 6,843 people · EPA ID AL0001437
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, 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 30 locations within half a mile, as of December 31, 2025

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

May also be available: Brightspeed.

Cell Coverage

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

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