226 River Oaks Dr, Madison, AL 35758 Property Records

Madison County property record for 226 River Oaks Dr, Madison, AL 35758

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,497 sqft · built 1996
Lot Size	0.156 acres (6,831 sqft)
Owner	2 Individual Names on Record
Last Sale	$294,900 (Aug 2025)
Tax Bill	$1,442 (2026)
Deeds & Mortgages	Aug 2025 Sale & Mortgage Apr 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`15-07-35-4-002-014.000`

Property Details

APN / Parcel Number

Primary APN	`15-07-35-4-002-014.000`
Alternative APN	`218984`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,497 sqft Living Area
1st Floor Area	1,497 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Other
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	6,831 sqft (0.156 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	218984
Street Address	226 RIVER OAKS DR
City	MADISON
State	AL
Zip	35758-6628
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 27 BLK 2 CREEKWOOD 3RD ADD A RESUB OF A PORTION OF LOT 1 BLK 6 OF A RESUB OF CREEKWOOD INDIAN PROPERTIES & OTHER LANDS DB
Legal Subdivision	CREEKWOOD 3RD ADD
Legal Block	2
Legal Lot Number	27
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	2 Individual Names on Record
Mailing Address	226 RIVER OAKS DR, MADISON, AL 35758-6628
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 8, 2025	Warranty Deed, Transfer · Conventional Mortgage FIRSTBANK
Apr 5, 2022	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Feb 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage NEW SOUTH MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 8, 2025 · Amount on Record
Deed Sale	Aug 8, 2025 · Amount on Record
Deed Book / Page	2025 / 32515
Record Updated	Oct 29, 2026

August 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON AL
Recording Date	Aug 8, 2025
Property Address	226 RIVER OAKS DR, MADISON, AL 35758-6628
Document Number	0000032515
Book / Page	DEED2025 / 32515
Map Reference	MB 32 PG 3
Instrument Date	Aug 8, 2025
Transaction Type	Transfer
Record Updated	Nov 17, 2025

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	202 SLATEROCK RD, HAZEL GREEN, AL 35750-8895

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	226 RIVER OAKS DR, MADISON, AL 35758-6628

Mortgage

Document Number	2025146333
Date	Aug 8, 2025
Instrument	2025/146333

Lender

Name	FIRSTBANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2055

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON AL
Property Address	226 RIVER OAKS DR, MADISON, AL 35758-6628
Transaction Type	Mortgage
Record Updated	Oct 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000092187
Date	Apr 5, 2022
Book Page	MTG 2022/92187

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2052

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON AL
Property Address	226 RIVER OAKS DR, MADISON, AL 35758-6628
Document Number	0000016086
Instrument Date	Feb 22, 2020
Transaction Type	Mortgage
Record Updated	Mar 26, 2020
Title Company	VICTORY TITLE, VICTORY TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	226 RIVER OAKS DR MADISON AL 357586628, MADISON, AL 35758-6628

Mortgage

Document Number	0000016086
Date	Mar 3, 2020
Instrument	16086

Lender

Name	NEW SOUTH MTG
Type	Mortgage Company
Address	HUNTSVILLE, AL 35801

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 2, 2035

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	$1,442.00 (+3.74%)
2025	$1,390.00 (+14.97%) Homeowner's exemption	$24,800 (+14.39%) Land $4,260 Building $20,540	$247,800 (+14.4%) Land $42,500 Building $205,300
2023	$1,209.00 (+13.31%) Homeowner's exemption	$21,680 (+12.68%) Land $4,260 Building $17,420	$216,600 (+12.58%) Land $42,500 Building $174,100
2022	$1,067.00 Homeowner's exemption	$19,240 Land $3,500 Building $15,740	$192,400 Land $35,000 Building $157,400

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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