25 Elm St, Pell City, AL 35125 Property Records

St. Clair County property record for 25 Elm St, Pell City, AL 35125

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,512 sqft · built 2022
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual Name on Record
Last Sale	$242,000 (Dec 2025)
Tax Bill	$997 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Mar 2022 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`23-07-35-0-001-007.004`

Property Details

APN / Parcel Number

Primary APN	`23-07-35-0-001-007.004`
Alternative APNs	`00060431` `531071` `75502`

Interior

Full Baths	1 Bath
Building Area	1,512 sqft Living Area
1st Floor Area	1,512 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	6,098 sqft (0.14 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	00060431
Street Address	25 ELM ST
City	PELL CITY
State	AL
Zip	35125-9383
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 94 FOX HOLLOW PH 5 SECT 1 MB 2021-31 35-16-3
Legal Range	03E
Legal Township	16S
Legal Section	35
Legal Subdivision	FOX HOLLOW PH 5
Legal Phase	5
Legal Lot Number	94
Jurisdiction	ST CLAIR AL
Township / Civil Division	PELL CITY
Census Block Group	2
Census Block	2003
Census Tract	40208

Owner

Source: St. Clair County records, as of October 15, 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	25 ELM ST, PELL CITY, AL 35125-9383
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2026	Deed of Trust, Mortgage · Conventional Mortgage HUNTINGTON NATIONAL BANK
Mar 1, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage RENASANT BANK
Dec 23, 2025	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 23, 2025 · Amount on Record
Deed Sale	Dec 23, 2025 · Amount on Record
Prior Sale	Feb 17, 2023 · Amount on Record
Deed Book / Page	2025 / 16569
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR AL
Recording Date	Sep 30, 2026
Property Address	25 ELM ST, PELL CITY, AL 35125-9383
Document Number	2026044706
Book / Page	2026 / 44706
Instrument Date	Sep 23, 2026
Transaction Type	Mortgage
Record Updated	Oct 16, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company, 103
Address	121 BISHOP CIR, PELHAM, AL 35124-1397
Investor	Possibly a Property Investor

Mortgage

Document Number	2026044706,
Date	Sep 30, 2026
Book Page	2026/44706

Lender

Name	HUNTINGTON NATIONAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Max Rate	-1%

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR AL
Property Address	25 ELM ST, PELL CITY, AL 35125-9383
Transaction Type	Mortgage
Record Updated	Jan 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011527
Date	Mar 1, 2022
Book Page	MTG 2022/11527

Lender

Name	RENASANT BANK
Type	Bank
Address	BIRMINGHAM, AL 35203

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Mar 1, 2032

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR AL
Recording Date	Dec 23, 2025
Property Address	25 ELM ST, PELL CITY, AL 35125-9383
Document Number	0000016569
Book / Page	DEED 2025 / 16569
Map Reference	MB 2021 PG 31
Instrument Date	Dec 22, 2025
Transaction Type	Transfer
Record Updated	Jan 9, 2026

Transaction

Amount	Amount Recorded
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	3140 BOARDWALK LN, PELL CITY, AL 35128-8243

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 ELM ST, PELL CITY, AL 35125-9383
Investor	Possibly a Property Investor

Mortgage

Document Number	MTG202554601
Date	Dec 23, 2025
Instrument	MTG2025/54601

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$997.00 (+6.75%)	$24,320 (-46.67%)	$243,260 (+6.69%) Land $50,000 Building $193,260
2024	$934.00 (+225.44%)	$45,600 (+7.64%) Land $10,000 Building $35,600	$228,000 (+7.64%) Land $50,000 Building $178,000
2023		$42,364 Land $10,000 Building $32,364	$211,820 Land $50,000 Building $161,820
2022	$287.00

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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2019)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2019 · rainfall accumulation

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 46% of the US · above 51% of Alabama
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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	CITY OF PELL CITY serves 17,586 people · EPA ID AL0001204
Water Source	Purchased surface water from COOSA VALLEY WATER SUPPLY DISTRICT
Last State Inspection	Jun 2023
Lead	1 ppb (2022–2024) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 195 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Sparklight Fiber · Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Nearby Properties on Elm St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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