22977 Cog Hill Dr, Athens, AL 35613 Property Records

Limestone County property record for 22977 Cog Hill Dr, Athens, AL 35613

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,834 sqft · built 2021
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on File
Last Sale	$735,000 (Nov 2025)
Tax Bill	$2,562 (2025)
Deeds & Mortgages	Nov 2025 Sale & Construction Loan Jan 2022 Sale & Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1007260004020000`

Property Details

APN / Parcel Number

Primary APN	`1007260004020000`
Alternative APNs	`11010553` `62679`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,834 sqft Living Area
1st Floor Area	2,397 sqft
Upper Floors Area	624 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	13,068 sqft (0.3 acres)
Lot Dimensions	150 ft deep x 87.6 ft wide
Garage Type	Attached
Garage Area	886 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	302 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	11010553
Street Address	22977 COG HILL DR
City	ATHENS
State	AL
Zip	35613-6634
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Range	04W
Legal Township	03S
Legal Section	26
Legal Subdivision	PLAT OF COG HILL AT CANBRAKE
Jurisdiction	LIMESTONE AL
Township / Civil Division	ATHENS
Census Block Group	2
Census Block	2028
Census Tract	21102

Owner

22977 Cog Hill Dr is owned and occupied by an individual who bought it in November 2025.

Source: Limestone County records, as of March 4, 2026

Owner of Record	Individual Name on File
Mailing Address	22977 COG HILL DR, ATHENS, AL 35613-6634
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.

Deeds, Mortgages & Sale History

Date	Document
Nov 13, 2025	Warranty Deed, Construction Loan · Construction Mortgage SERVISFIRST BANK
Jan 19, 2022	Warranty Deed, Construction Loan · Construction Mortgage PNC BANK
Feb 9, 2021	Warranty Deed, Construction Loan · Commercial Mortgage BANK INDEPENDENT
Feb 9, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 13, 2025 · Amount on File
Deed Sale	Nov 13, 2025 · Amount on File
Prior Sale	Jan 19, 2022 · Amount on File
Deed Document Number	2025
Prior Transfer Date	Feb 8, 2021
Prior Transfer Doc	2021/16677
Record Updated	Jun 8, 2026

November 2025: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	LIMESTONE AL
Recording Date	Nov 13, 2025
Property Address	22977 COG HILL DR, ATHENS, AL 35613-6634
Document Number	2025/93916
Book / Page	2025 / 93916
Map Reference	MB J PG 290
Instrument Date	Oct 24, 2025
Transaction Type	Construction Loan
Record Updated	Nov 26, 2025

Transaction

Amount	Amount on Record
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	4710 ARTISAN WAY APT 4101, 4101, CHARLOTTE, NC 28277-1217

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22977 COG HILL DR, ATHENS, AL 35613-6634

Mortgage

Document Number	2025093921
Date	Nov 13, 2025
Instrument	2025/093921

Lender

Name	SERVISFIRST BANK

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Mortgage

Document Number	2025/93921
Date	Nov 13, 2025
Book Page	2025/93921

Lender

Name	SERVISFIRST BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2055

January 2022: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	LIMESTONE AL
Recording Date	Jan 19, 2022
Property Address	22977 COG HILL DR, ATHENS, AL 35613-6634
Document Number	02022/5608
Book / Page	2022 / 5608
Map Reference	MB J PG 290
Instrument Date	Jan 18, 2022
Transaction Type	Construction Loan
Record Updated	Jan 6, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12021 SOUTHERN CHARM BLVD, MADISON, AL 35756-3663

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22977 COG HILL DR, ATHENS, AL 35613-6634

Mortgage

Document Number	202200561020220056
Date	Jan 19, 2022
Instrument	2022/00561020220056

Lender

Name	PNC BANK

Agreement

Type	Construction Mortgage
Amount	Amount on Record

February 2021: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	LIMESTONE AL
Recording Date	Feb 9, 2021
Property Address	22977 COG HILL DR, ATHENS, AL 35613-6634
Document Number	2021/16677
Book / Page	2021 / 16677
Map Reference	MB J PG 290
Instrument Date	Feb 8, 2021
Transaction Type	Construction Loan
Record Updated	May 30, 2023

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12021 SOUTHERN CHARM BLVD, MADISON, AL 35756-3663

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12021 SOUTHERN CHARM BLVD, MADISON, AL 35756-3663
Investor	Possibly a Property Investor

Mortgage

Document Number	2021/16679
Date	Feb 9, 2021
Book Page	2021/16679

Lender

Name	BANK INDEPENDENT
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 8, 2051

Interest

Rate Type	Fixed Rate

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LIMESTONE AL
Recording Date	Feb 9, 2021
Property Address	22977 COG HILL DR, ATHENS, AL 35613-6634
Document Number	2021/16675
Book / Page	2021 / 16675
Map Reference	MB J PG 290
Instrument Date	Feb 8, 2021
Transaction Type	Transfer
Record Updated	May 30, 2023

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	23143 FOUNDERS CIR, ATHENS, AL 35613-8186

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12021 SOUTHERN CHARM BLVD, MADISON, AL 35756-3663
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 22977 Cog Hill Dr was $2,562 with a homeowner's exemption, down 0.9% from the year before.

Source: Limestone County assessment roll, as of March 2, 2026

Property Jurisdictions

Type	Name
State	Alabama
Municipality	Athens City
County	Limestone County
Unified School District	Athens City School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,562.00 (-0.85%) Homeowner's exemption	$65,380 (-0.85%)	$653,700 (-0.85%) Land $112,000 Building $541,700
2024	$2,584.00 (+5.43%) Homeowner's exemption	$65,940 (+5.3%)	$659,300 (+5.29%) Land $112,000 Building $547,300
2023	$2,451.00 (+4.83%) Homeowner's exemption	$62,620 (+7.12%)	$626,200 (+114.23%) Land $100,000 Building $526,200
2022	$2,338.00	$58,460	$292,300 Land $108,000 Building $184,300

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 22977 Cog Hill Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 29, 2025 · 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 10 (0% premium discount)
Nearby Flood Policies	4 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

Wildfire risk around 22977 Cog Hill Dr is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 97% of the US · lower than 99.2% of Alabama
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	ATHENS UTILITIES serves 43,431 people · EPA ID AL0000824
Water Source	Surface water
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	Chlorine dioxide resolved · Dec 2025
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 138 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
WOW Internet, Cable & Phone Cable	1,200 / 50
Spectrum Cable	1,000 / 35

May also be available: Verizon.

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