228 Stone St, Oxford, AL 36203 Property Records

Calhoun County property record for 228 Stone St, Oxford, AL 36203

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,655 sqft · built 1972
Lot Size	0.65 acres (28,314 sqft)
Owner	2 Individual Names on Record
Tax Bill	$685 (2026)
Deeds & Mortgages	Mar 2021 Mortgage
Flood Zone	Zone AE (high risk)
APN	`22-07-35-0-002-024.000`

Property Details

APN / Parcel Number

Primary APN	`22-07-35-0-002-024.000`
Alternative APN	`75865`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,655 sqft Living Area
Gross Area	1,800 sqft
1st Floor Area	1,655 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Exterior Material	Wood Siding
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	28,314 sqft (0.65 acres)
Utility Building	320 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	75865
Street Address	228 STONE ST
City	OXFORD
State	AL
Zip	36203-4022
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEC 35 TSP 16S RNG 07E REAVES SUB BLK 2 LOTS 65 THRU 72 OXF ORD AL
Legal Range	07E
Legal Township	16S
Legal Section	35
Legal Subdivision	REAVES SUBDIVISION
Legal Block	2
Legal Lot Number	65,72
Jurisdiction	CALHOUN AL
Township / Civil Division	ANNISTON
Census Block Group	1
Census Block	1048
Census Tract	1202

Owner

Source: Calhoun 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	228 STONE ST, OXFORD, AL 36203-4022
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALHOUN AL
Property Address	228 STONE ST, OXFORD, AL 36203-4022
Transaction Type	Mortgage
Record Updated	Apr 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	4994/379
Date	Mar 22, 2021
Book Page	4994/379
Instrument	4994-0379

Lender

Name	ALATRUST CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Calhoun County assessment roll, as of December 2, 2025

Property Jurisdictions

Type	Name
State	Alabama
County	Calhoun County
Municipality	Oxford City
Unified School District	Oxford City School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$685.00 (+7.54%)
2025	$637.00 (+7.42%) Homeowner's exemption	$14,500 (+6.87%)	$148,620 (+9.54%) Land $25,000 Building $123,620
2024	$593.00 (-1.82%) Homeowner's exemption	$13,568 (-1.57%) Land $2,500 Building $11,068	$135,680 (-1.57%) Land $25,000 Building $110,680
2023	$604.00 (+5.41%) Homeowner's exemption	$13,784 (+4.9%) Land $2,500 Building $11,284	$137,840 (+4.9%) Land $25,000 Building $112,840
2022	$573.00 Homeowner's exemption	$13,140 Land $2,500 Building $10,640	$131,400 Land $25,000 Building $106,400

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 August 27, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	3 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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 44% of the US · above 48% of Alabama
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	OXFORD WATER WORKS & SEWER BOARD serves 31,239 people · EPA ID AL0000162
Water Source	Surface water
Last State Inspection	Jun 2024
Also Mapped Here	ANNISTON ALABAMA, THE WWSB OF THE CITY O
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Trichloroethylene resolved · Apr 2024
Treatment and Procedure	None last 10 years
Monitoring and Reporting	22 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 159 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Sparklight Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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