2391 Lock 3 Rd, Ragland, AL 35131 Property Records

St. Clair County property record for 2391 Lock 3 Rd, Ragland, AL 35131

Property Summary

Property Type	Single Family Home
Details	896 sqft · built 1960
Lot Size	2.2 acres (95,832 sqft)
Owner	Individual Name on Record
Last Sale	$130,000 (Feb 2025)
Tax Bill	$234 (2025)
Deeds & Mortgages	May 2020 Sale Dec 2017 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`19-01-01-0-001-001.027`

Property Details

APN / Parcel Number

Primary APN	`19-01-01-0-001-001.027`
Alternative APNs	`15667` `77225`

Interior

Stories	1 Story
Building Area	896 sqft Heated Area
1st Floor Area	896 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	95,832 sqft (2.2 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2391 LOCK 3 RD
City	RAGLAND
State	AL
Zip	35131-4039
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM SW COR NW4 SE4 TH E 333.51' NE 199.47' NW 595.31' NE 395.51' NE 593.71' NE 89.93' NE 224.27' NE 113.42' SE 21.69' TO POB
Legal Range	05E
Legal Township	15S
Legal Section	01
Jurisdiction	ST CLAIR AL
Township / Civil Division	RAGLAND
Census Block Group	1
Census Block	1018
Census Tract	40302

Owner

Source: St. Clair County records, as of April 17, 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	98 EASTHAVEN DR, BRANDON, MS 39042-2867
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
May 29, 2020	Survivorship Deed, Transfer
Dec 5, 2017	Warranty Deed, Transfer · FHA Mortgage FIRSTBANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 27, 2025 · Amount on Record
Deed Sale	Feb 27, 2025 · Amount on Record
Prior Sale	May 29, 2020 · Amount on Record
Deed Book / Page	2025 / 2628
Record Updated	Jun 8, 2026

May 2020: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	ST CLAIR AL
Recording Date	May 29, 2020
Property Address	2391 LOCK 3 RD, RAGLAND, AL 35131-4039
Document Number	0000005276
Book / Page	DEED 2020 / 5276
Instrument Date	May 13, 2020
Transaction Type	Transfer
Record Updated	Sep 14, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	2391 WAL 3 ROAD, RAGLAND, AL 35131

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR AL
Recording Date	Dec 5, 2017
Property Address	2391 LOCK 3 RD, RAGLAND, AL 35131-4039
Document Number	0000013563
Instrument Date	Nov 3, 2017
Instrument	13563
Transaction Type	Transfer
Record Updated	Aug 30, 2018
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Tax	$1.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2391 LOCK 3 RD RAGLAND AL 351314039, RAGLAND, AL 35131-4039

Mortgage

Document Number	41603
Date	Dec 5, 2017
Instrument	41603

Lender

Name	FIRSTBANK
Type	Bank
Address	FRANKLIN, TN 37067

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 4, 2047

Tax Assessment & Valuation

Source: St. Clair County assessment roll, as of April 17, 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	$234.00 (+8.33%)	$9,100 (-46.53%)	$90,930 (+6.85%)
2023		$17,020 Land $6,000 Building $11,020	$85,100 Land $30,000 Building $55,100
2022	$216.00

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

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

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Moderate above 57% of the US · above 73% 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 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Ragland Telephone DSL	10 / 1

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Lock 3 Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures