Madison County property record for 227 Raphael Rd, Madison, AL 35757
| Property Type | Single Family Home |
|---|---|
| Details | 4 ba · 3,165 sqft · built 2005 |
| Owner | Individual Name on File |
| Last Sale | $1,025,000 (Jan 2025) |
| Tax Bill | $3,195 (2025) |
| Deeds & Mortgages | Feb 2026 Mortgage Jan 2025 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-08-34-0-001-008.023 |
| Primary APN | 06-08-34-0-001-008.023 |
|---|---|
| Alternative APN |
|
| Full Baths | 4 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 3,165 sqft Living Area |
| 1st Floor Area | 3,165 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 3 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Retaining Wall |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 211673 |
|---|---|
| Street Address | 227 RAPHAEL RD |
| City | MADISON |
| State | AL |
| Zip | 35757-8902 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 16 THE RIDGE PH I |
| Legal Subdivision | THE RIDGE PH I |
| Legal Lot Number | 16 |
| Jurisdiction | MADISON AL |
| Township / Civil Division | HUNTSVILLE |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 10504 |
Source: Madison County assessment roll, as of January 1, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 227 RAPHAEL RD, MADISON, AL 35757-8902 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 17, 2026 | Deed of Trust, Mortgage · VA Mortgage MERIT BANK |
| Jan 15, 2025 | Warranty Deed, Transfer · VA Mortgage MERIT BANK |
| Oct 3, 2018 | Deed of Trust, Mortgage · Line of Credit COMPASS BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 15, 2025 · Amount on Record |
| Deed Sale | Jan 15, 2025 · Amount on Record |
| Deed Document Number | ED20251552 |
| Deed Book / Page | DEED2025 / 1552 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON AL |
| Property Address | 227 RAPHAEL RD, MADISON, AL 35757-8902 |
| Transaction Type | Mortgage |
| Record Updated | Mar 3, 2026 |
| Name | Verified Name |
|---|---|
| Address | 227 RAPHAEL RD, MADISON, AL 35757-8902 |
| Document Number | 0000029266 |
|---|---|
| Date | Feb 17, 2026 |
| Book Page | 2026/29266 |
| Name | MERIT BANK |
|---|---|
| Type | Bank |
| Address | 3810 GOVERNORS DR NW UNIT 300, HUNTSVILLE, AL 35805 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON AL |
| Recording Date | Jan 15, 2025 |
| Property Address | 227 RAPHAEL RD, MADISON, AL 35757-8902 |
| Document Number | 0000001552 |
| Book / Page | DEED2025 / 1552 |
| Map Reference | MB 41 PG 44 |
| Instrument Date | Jan 13, 2025 |
| Transaction Type | Transfer |
| Record Updated | Nov 17, 2025 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1160 GOLF VIEW LN, GREENSBORO, GA 30642-3701 |
| Name | Verified Name |
|---|---|
| Address | 227 RAPHAEL RD, MADISON, AL 35757-8902 |
| Document Number | 0020258194 |
|---|---|
| Date | Jan 15, 2025 |
| Instrument | 2025/8194 |
| Name | MERIT BANK |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON AL |
| Property Address | 227 RAPHAEL RD, MADISON, AL 35757-8902 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000064258 |
|---|---|
| Date | Oct 3, 2018 |
| Instrument | 20181003000064258 |
| Name | COMPASS BANK |
|---|---|
| Type | Bank |
| Address | HUNTSVILLE, AL 35806 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Sep 21, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Madison County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | Alabama |
| County | Madison County |
| Unified School District | Madison County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,195.00 (+11.67%) Homeowner's exemption | $89,580 (+11.36%) Land $8,800 Building $80,780 | $895,700 (+11.35%) Land $88,000 Building $807,700 |
| 2023 | $2,861.00 (+13.53%) Homeowner's exemption | $80,440 (+13.17%) Land $8,800 Building $71,640 | $804,400 (+13.18%) Land $88,000 Building $716,400 |
| 2022 | $2,520.00 Homeowner's exemption | $71,080 Land $8,800 Building $62,280 | $710,700 Land $88,000 Building $622,700 |
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.
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 |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 6 in force |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 97.7% of Alabama |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MADISON COUNTY WATER DEPARTMENT serves 119,100 people · EPA ID AL0000888 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Mar 2025 |
| Lead | 2 ppb (2024–2026) 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 54 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Mediacom Communications Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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