235 Lake Rd, Steele, AL 35987 Property Records

St. Clair County property record for 235 Lake Rd, Steele, AL 35987

Property Summary

Property Type	Single Family Home
Details	1 ba · 2,532 sqft · built 2003
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$65,000 (Feb 2023)
Tax Bill	$840 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Jun 2022 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`02-08-28-0-000-019.001`

Property Details

APN / Parcel Number

Primary APN	`02-08-28-0-000-019.001`
Alternative APNs	`00189784` `50269` `98370`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	2,532 sqft Living Area
1st Floor Area	2,532 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Retaining Wall
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	43,560 sqft (1 acres)
Garage Type	Carport
Garage Area	400 sqft
Carport	Carport
Carport Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	00189784
Street Address	235 LAKE RD
City	STEELE
State	AL
Zip	35987-4046
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM NW COR SW4 NW4 S 1414.76' NELY 264.93' TO POB ELY 223.4' SW 216.88' SW 160.36' NW 244.85' TO POB 28-12-4
Legal Range	04E
Legal Township	12S
Legal Section	28
Jurisdiction	ST CLAIR AL
Township / Civil Division	ASHVILLE
Census Block Group	2
Census Block	2005
Census Tract	40402

Owner

Source: St. Clair County records, as of October 19, 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	235 LAKE RD, STEELE, AL 35987-4046
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2021	Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC
Jun 3, 2022	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Sep 13, 2018	Deed of Trust, Mortgage · Conventional with PMI CLASSIC HM MTG
Apr 11, 2017	Deed of Trust, Mortgage · Conventional Mortgage ATLANTA POSTAL CU
Apr 11, 2017	Deed of Trust, Mortgage · Conventional Mortgage ATLANTA POSTAL CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 28, 2023 · Amount on Record
Deed Sale	Feb 28, 2023 · Amount on Record
Prior Sale	Jun 3, 2022 · Amount on Record
Deed Book / Page	2023 / 2261
Prior Transfer Date	May 25, 2022
Prior Transfer Doc	0000007992
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR AL
Property Address	235 LAKE RD, STEELE, AL 35987-4046
Transaction Type	Mortgage
Record Updated	Oct 20, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000060894
Date	Sep 8, 2021
Book Page	MTG 2021/60894

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR AL
Recording Date	Jun 3, 2022
Property Address	235 LAKE RD, STEELE, AL 35987-4046
Document Number	0000007992
Book / Page	DEED 2022 / 7992
Instrument Date	May 25, 2022
Transaction Type	Transfer
Record Updated	Jul 11, 2022

Transaction

Amount	Amount Recorded
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	940 HOYT HILL RD, 940, ASHVILLE, AL 35953-6425

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	235 LAKE RD, STEELE, AL 35987-4046

Mortgage

Document Number	MTG202230844
Date	Jun 3, 2022
Instrument	MTG 2022/30844

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2052

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR AL
Property Address	235 LAKE RD, STEELE, AL 35987-4046
Document Number	0000032451
Instrument Date	Sep 13, 2018
Transaction Type	Mortgage
Record Updated	Jan 16, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	235 LAKE RD STEELE AL 359874046, STEELE, AL 35987-4046

Mortgage

Document Number	0000032451
Date	Sep 24, 2018
Instrument	32451

Lender

Name	CLASSIC HM MTG
Type	Mortgage Company
Address	BIRMINGHAM, AL 35244

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 23, 2048

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR AL
Property Address	235 LAKE RD, STEELE, AL 35987-4046
Document Number	0000013994
Instrument Date	Apr 11, 2017
Transaction Type	Mortgage
Record Updated	Jul 10, 2017
Title Company	DOCUMENT PROCESSING SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	235 LAKE RD STEELE AL 359874046, STEELE, AL 35987-4046

Mortgage

Document Number	0000013994
Date	Apr 26, 2017
Instrument	13994

Lender

Name	ATLANTA POSTAL CU
Type	Credit Union
Address	ATLANTA, GA 30380

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR AL
Property Address	235 LAKE RD, STEELE, AL 35987-4046
Document Number	0000016223
Instrument Date	Apr 11, 2017
Transaction Type	Mortgage
Record Updated	Jul 25, 2017
Title Company	DOCUMENT PROCESSING SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	235 LAKE RD STEELE AL 359874046, STEELE, AL 35987-4046

Mortgage

Document Number	0000016223
Date	May 11, 2017
Instrument	16223

Lender

Name	ATLANTA POSTAL CU
Type	Credit Union
Address	ATLANTA, GA 30380

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 10, 2047

Tax Assessment & Valuation

Source: St. Clair County assessment roll, as of August 4, 2026

Property Jurisdictions

Type	Name
State	Alabama
County	St. Clair County
Unified School District	St. Clair County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$840.00 (+84.62%)	$27,100 (-50.01%)	$271,070 (-)
2023		$54,214 Land $6,160 Building $48,054	$271,070 Land $30,800 Building $240,270
2022	$455.00

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 22, 2024 · 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
Nearby Flood Policies	1 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 61% of the US · above 78% of Alabama
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

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