Shelby County property record for 2428 Royal Ln, Pelham, AL 35124
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,849 sqft · built 1978 |
| Lot Size | 0.431 acres (18,798 sqft) |
| Owner | Individual Name on File |
| Last Sale | $225,000 (Feb 2018) |
| Tax Bill | $1,957 (2026) |
| Deeds & Mortgages | Dec 2020 Mortgage Feb 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 131020001001037 |
| Primary APN | 131020001001037 |
|---|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,849 sqft Heated Area |
| 1st Floor Area | 1,682 sqft |
| Upper Floors Area | 841 sqft |
| Basement Area | 1,138 sqft |
| Finished Basement | 544 sqft |
| Unfinished Basement | 505 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Wood |
| Foundation Type | Retaining Wall |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 18,798 sqft (0.431 acres) |
| Lot Dimensions | 109 ft deep x 171 ft wide |
| Garage Type | Basement |
| Porch | Slab |
| Deck Area | 80 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2428 ROYAL LN |
|---|---|
| City | PELHAM |
| State | AL |
| Zip | 35124-2620 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SEC/TWNSHP/RAN 2 20S 03W NBRHD: 08 ROYAL OAKS R-2 |
| Legal Range | 03W |
| Legal Township | 20S |
| Legal Section | 02 |
| Legal Subdivision | ROYAL OAKS 2ND SECTOR |
| Legal Lot Number | 21 |
| Jurisdiction | SHELBY AL |
| Township / Civil Division | ALABASTER-HELENA |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 30352 |
2428 Royal Ln is owned and occupied by an individual who bought it in February 2018.
Source: Shelby County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2428 ROYAL LN, PELHAM, AL 35124-2620 |
| 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.
| Date | Document |
|---|---|
| Dec 30, 2020 | Deed of Trust, Mortgage · VA Mortgage JFQ LENDING INC |
| Feb 16, 2018 | Warranty Deed, Transfer · VA Mortgage REGIONS BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 16, 2018 · Amount on File |
| Deed Sale | Feb 16, 2018 · Amount on File |
| Deed Document Number | 201851680 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHELBY AL |
| Property Address | 2428 ROYAL LN, PELHAM, AL 35124-2620 |
| Transaction Type | Mortgage |
| Record Updated | Mar 19, 2021 |
| Title Company | SOURCE OF TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000599910 |
|---|---|
| Date | Dec 30, 2020 |
| Instrument | 20201230000599910 |
| Name | JFQ LENDING INC |
|---|---|
| Type | Mortgage Company |
| Address | SCOTTSDALE, AZ 85254 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SHELBY AL |
| Recording Date | Feb 16, 2018 |
| Property Address | 2428 ROYAL LN, PELHAM, AL 35124-2620 |
| Document Number | 0000051680 |
| Map Reference | MB7 PG77 |
| Instrument Date | Feb 16, 2018 |
| Instrument | 20180216000051680 |
| Transaction Type | Transfer |
| Record Updated | Jun 1, 2021 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 2428 ROYAL LN, PELHAM, AL 35124-2620 |
| Document Number | 0000051690 |
|---|---|
| Date | Feb 16, 2018 |
| Instrument | 20180216000051690 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2048 |
The 2026 property tax bill for 2428 Royal Ln was $1,957 with exemptions applied, down 0.6% from the year before.
Source: Shelby County assessment roll, as of April 21, 2026
| Type | Name |
|---|---|
| State | Alabama |
| County | Shelby County |
| Municipality | Pelham City |
| Unified School District | Pelham City School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,957.00 (-0.61%) Homeowner's exemption Senior Citizen's exemption | ||
| 2025 | $1,969.00 | $33,960 | $339,600 Land $85,000 Building $254,600 |
| 2023 | $1,347.00 | $29,800 | $298,000 Land $75,000 Building $223,000 |
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.
FEMA maps place 2428 Royal Ln in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2014.
Source: FEMA National Flood Hazard Layer, effective January 23, 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 File median of 10 policies |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 4 (2014–2021) |
| Claims Outside the SFHA | 3 of 4 |
| Most Recent Claim | Oct 2021 · Severe Storms And Flooding |
| Claims by Event |
|
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 risk around 2428 Royal Ln is moderate, ranking above 40% of the US, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 40% of the US · lower than 66% of Alabama |
|---|---|
| Wildfire Likelihood | 0.07% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF PELHAM serves 38,703 people · EPA ID AL0001163 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Jul 2023 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 21 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.
Source: FCC Broadband Data Collection, based on 109 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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