260 Cobb Rd, Arab, AL 35016 Property Records

Marshall County property record for 260 Cobb Rd, Arab, AL 35016

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,120 sqft · built 1940
Lot Size	0.38 acres (16,553 sqft)
Owner	Individual Name on Record
Tax Bill	$356 (2026)
Deeds & Mortgages	Nov 2022 Mortgage Aug 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-09-29-0-000-014.005`

Property Details

APN / Parcel Number

Primary APN	`14-09-29-0-000-014.005`
Alternative APNs	`149290000014005` `150577`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,120 sqft Living Area
1st Floor Area	1,120 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Exterior Material	Vinyl
Foundation Type	Retaining Wall
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	16,553 sqft (0.38 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	150577
Street Address	260 COBB RD
City	ARAB
State	AL
Zip	35016-2746
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	109.96 X 150 COM SE COR NW-NW TH N 798.44 TO POB; CONT N 109.96; W 148.85; S 111.68; E 150 TO POB 12/18/96 1635/141
Legal Range	2E
Legal Township	8S
Legal Section	29
Legal Subdivision	LYNN LAVELL TAYLOR
Jurisdiction	MARSHALL AL
Township / Civil Division	ARAB
Census Block Group	2
Census Block	2014
Census Tract	30502

Owner

Source: Marshall County records, as of October 20, 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	260 COBB RD, ARAB, AL 35016-2746
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Nov 1, 2022	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK & TRUST
Aug 28, 2018	Deed of Trust, Mortgage FIRST FRANKLIN FINANCIAL CORP
Aug 12, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRST FRANKLIN FIN'L

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 4, 2016
Deed Sale	Mar 4, 2016
Prior Sale	Jun 7, 2007
Deed Document Number	20163140806
Deed Book / Page	5667 / 108
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARSHALL AL
Property Address	260 COBB RD, ARAB, AL 35016-2746
Transaction Type	Mortgage
Record Updated	Apr 25, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	260 COBB RD, ARAB, AL 35016-2746

Mortgage

Document Number	0003255076
Date	Nov 1, 2022
Book Page	6884/347
Instrument	3255076

Lender

Name	CITIZENS BANK & TRUST
Type	Bank
Address	GUNTERSVILLE, AL 35976

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2027
Change Frequency	Annually
Min Rate At Change	4.5%
Max Rate At Change	6.75%
Index	Prime Rate
Max Rate	10.7%

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARSHALL AL
Property Address	260 COBB RD, ARAB, AL 35016-2746
Transaction Type	Mortgage
Record Updated	Oct 20, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003179189
Date	Aug 28, 2018
Book Page	6060/123
Instrument	3179189

Lender

Name	FIRST FRANKLIN FINANCIAL CORP
Type	Subprime Lender
Address	ARAB, AL 35016

Agreement

Amount	Amount Recorded

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARSHALL AL
Property Address	260 COBB RD, ARAB, AL 35016-2746
Document Number	0003194026
Instrument Date	Aug 12, 2019
Transaction Type	Mortgage
Record Updated	Sep 20, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	260 COBB RD ARAB AL 350162746, ARAB, AL 35016-2746

Mortgage

Document Number	0003194026
Date	Aug 13, 2019
Book Page	006206/000298
Instrument	3194026

Lender

Name	FIRST FRANKLIN FIN'L
Type	Funding / Finance Company
Address	ARAB, AL 35016-1065

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Marshall County assessment roll, as of June 23, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$356.00 (+6.59%) Homeowner's exemption
2025	$334.00 (+12.08%)	$7,760 (-)	$88,400 (+14.06%) Land $8,200 Building $80,200
2023	$298.00 (+12.45%)	$7,760 (+12.46%)	$77,500 (+12.48%) Land $3,800 Building $73,700
2021	$265.00 Homeowner's exemption	$6,900	$68,900 Land $3,800 Building $65,100

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

Flood

Source: FEMA National Flood Hazard Layer, effective March 21, 2019 · 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 46% of the US · above 52% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 33 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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