232 River Oaks Dr, Madison, AL 35758 Property Records

Madison County property record for 232 River Oaks Dr, Madison, AL 35758

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,227 sqft · built 1995
Lot Size	0.176 acres (7,666 sqft)
Owner	Individual Name on Record
Tax Bill	$1,301 (2026)
Deeds & Mortgages	Sep 2026 Line of Credit Mar 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-07-35-4-002-011.000`

Property Details

APN / Parcel Number

Primary APN	`15-07-35-4-002-011.000`
Alternative APN	`156399`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,227 sqft Living Area
1st Floor Area	1,227 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Other
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	7,666 sqft (0.176 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	156399
Street Address	232 RIVER OAKS DR
City	MADISON
State	AL
Zip	35758-6628
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 24 BLK 2 CREEKWOOD 3RD ADD A RESUB OF A PORTION OF LOT 1 BLK 6 OF A RESUB OF CREEKWOOD INDIAN PROPERTIES & OTHER LANDS
Legal Subdivision	CREEKWOOD 3RD ADD
Legal Block	2
Legal Lot Number	24
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	Individual Name on Record
Mailing Address	232 RIVER OAKS DR, MADISON, AL 35758-6628
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2026	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Mar 8, 2021	Deed of Trust, Mortgage · FHA Mortgage REM CORPORATION

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON AL
Recording Date	Sep 9, 2026
Property Address	232 RIVER OAKS DR, MADISON, AL 35758-6628
Document Number	2026197114
Book / Page	2026 / 197114
Instrument Date	Aug 21, 2026
Transaction Type	Mortgage
Record Updated	Sep 29, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	232 RIVER OAKS DR, MADISON, AL 35758-6628

Mortgage

Document Number	2026197114,
Date	Sep 9, 2026
Book Page	2026/197114

Lender

Name	REGIONS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 15, 2056

Interest

Max Rate	-1%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON AL
Property Address	232 RIVER OAKS DR, MADISON, AL 35758-6628
Transaction Type	Mortgage
Record Updated	Apr 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	232 RIVER OAKS DR, MADISON, AL 35758-6628

Mortgage

Document Number	202100018716
Date	Mar 8, 2021
Instrument	2021-00018716

Lender

Name	REM CORPORATION
Type	Non-Lending Institution
Address	WOODRIDGE, IL 60517

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	286 Months
Due	Jan 1, 2045

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	$1,301.00 (+7.34%)
2025	$1,212.00 (+14.56%) Homeowner's exemption	$21,740 (+13.94%) Land $4,260 Building $17,480	$217,300 (+13.95%) Land $42,500 Building $174,800
2023	$1,058.00 (+17.56%) Homeowner's exemption	$19,080 (+16.63%) Land $4,260 Building $14,820	$190,700 (+16.64%) Land $42,500 Building $148,200
2022	$900.00 Homeowner's exemption	$16,360 Land $3,500 Building $12,860	$163,500 Land $35,000 Building $128,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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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