251 Charest Rd, Somerville, AL 35670 Property Records

Morgan County property record for 251 Charest Rd, Somerville, AL 35670

Property Summary

Property Type	Single Family Home
Details	1 ba · 2,160 sqft · built 2007
Lot Size	0.7 acres (30,492 sqft)
Owner	2 Individual Names on File
Last Sale	$21,000 (Aug 2005)
Tax Bill	$561 (2025)
Deeds & Mortgages	Mar 2019 Mortgage Mar 2008 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`10-04-17-0-000-013.000`

Property Details

APN / Parcel Number

Primary APN	`10-04-17-0-000-013.000`
Alternative APNs	`103626` `21610`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	2,160 sqft Living Area
1st Floor Area	2,160 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	30,492 sqft (0.7 acres)
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	103626
Street Address	251 CHAREST RD
City	SOMERVILLE
State	AL
Zip	35670-3304
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT S1/2 S1/2 NE1/4 BEG INT N LINE & E ROW CO RD 99 TH SE 200' S ON E ROW TH E 200' 160' S TH N 180' S TO N LINE TH W 230' S O
Legal Range	2W
Legal Township	6S
Legal Section	17
Jurisdiction	MORGAN AL
Township / Civil Division	SOMERVILLE
Census Block Group	2
Census Block	2006
Census Tract	5405

Owner

Source: Morgan County records · APN 10-04-17-0-000-013.000

Assessment roll updated June 19, 2026 · Last verified July 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 File
Mailing Address	251 CHAREST RD, SOMERVILLE, AL 35670-3304
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 21, 2019	Deed of Trust, Mortgage · Commercial Mortgage RENASANT BANK
Mar 03, 2008	Deed of Trust, Mortgage · Line of Credit RENASANT BANK
May 07, 2007	Deed of Trust, Mortgage · ARM RENASANT BANK
Aug 05, 2005	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 05, 2005 · Amount on Record
Deed Sale	Aug 05, 2005 · Amount on Record
Deed Book / Page	2005 / 5973
Record Updated	Sep 20, 2026

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN AL
Property Address	251 CHAREST RD, SOMERVILLE, AL 35670-3304
Transaction Type	Mortgage
Record Updated	Jun 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019/07602
Date	Mar 21, 2019
Book Page	2019/07602

Lender

Name	RENASANT BANK
Type	Bank
Address	DECATUR, AL 35601

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 05, 2034

Interest

Rate Type	Adjustable Rate

March 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN AL
Property Address	251 CHAREST RD, SOMERVILLE, AL 35670-3304
Transaction Type	Mortgage
Record Updated	Jun 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2008/08905
Date	Mar 03, 2008
Book Page	2008/08905

Lender

Name	RENASANT BANK
Type	Bank
Address	TUPELO, MS 38802

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Mar 15, 2018

May 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN AL
Property Address	251 CHAREST RD, SOMERVILLE, AL 35670-3304
Transaction Type	Mortgage
Record Updated	Jun 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2007/24385
Date	May 07, 2007
Book Page	2007/24385

Lender

Name	RENASANT BANK
Type	Bank
Address	DECATUR, AL 35609

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2037

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Type Change Date	May 01, 2012
Change Frequency	Annually
Min Rate At Change	4.75%
Max Rate At Change	8.75%
Index	1-Year LIBOR
Margin	3
Max Rate	12.7%

August 2005: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MORGAN AL
Recording Date	Aug 05, 2005
Property Address	251 CHAREST RD, SOMERVILLE, AL 35670-3304
Document Number	2005/05973
Book / Page	2005 / 05973
Instrument Date	Aug 04, 2005
Transaction Type	Transfer
Record Updated	Jun 19, 2026

Transaction

Amount	Amount Recorded
Tax	$21.00
Amount Accuracy	Partially Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	251 CHAREST RD, SOMERVILLE, AL 35670-3304
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Morgan County records · Assessment roll updated June 19, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Alabama
County	Morgan County
Unified School District	Morgan County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$561.00 (-1.23%)	$16,430 (-1.14%) Land $960 Building $15,470	$164,300 (-1.14%) Land $9,600 Building $154,700
2024		$16,620 (-2.29%) Land $960 Building $15,660	$166,200 (-2.29%) Land $9,600 Building $156,600
2023	$568.00 (+9.02%) Homeowner's exemption	$17,010 (+10.6%) Land $960 Building $16,050	$170,100 (+10.6%) Land $9,600 Building $160,500
2022	$521.00 Homeowner's exemption	$15,380 Land $880 Building $14,500	$153,800 Land $8,800 Building $145,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of July 4, 2022 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 91% of Alabama
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
FlashFiber Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 35

Based on FCC filings for 19 locations within half a mile of this property.

Cell Coverage

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

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