264 Memory Ln, Ragland, AL 35131 Property Records

St. Clair County property record for 264 Memory Ln, Ragland, AL 35131

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,560 sqft · built 1950
Lot Size	1.4 acres (60,984 sqft)
Owner	Individual Name on Record
Last Sale	$162,000 (Nov 2019)
Tax Bill	$576 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`22-03-07-0-001-021.001`

Property Details

APN / Parcel Number

Primary APN	`22-03-07-0-001-021.001`
Alternative APNs	`500301` `17373`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,560 sqft Heated Area
1st Floor Area	1,560 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	60,984 sqft (1.4 acres)
Garage Type	Carport
Garage Area	400 sqft
Carport	Carport
Carport Area	400 sqft
Parking Spaces	2 Parking Spaces
Utility Building	720 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	264 MEMORY LN
City	RAGLAND
State	AL
Zip	35131
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEG @ INT OF N BDRY LN OF SW/4 NW/4 E 298' SE 210' SW 210' NW 321' TO POB 7-16-4
Legal Range	04E
Legal Township	16S
Legal Section	07
Jurisdiction	ST CLAIR AL
Township / Civil Division	PELL CITY
Census Block Group	1
Census Block	1012
Census Tract	40207

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	264 MEMORY LN, RAGLAND, AL 35131
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 14, 2025	Deed of Trust, Mortgage · FHA Mortgage MIDFIRST BANK
Aug 14, 2020	Deed of Trust, Mortgage CARAN M & REBECCA W WILBANKS
Nov 27, 2019	Warranty Deed, Transfer · FHA Mortgage GMFS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 27, 2019 · Amount on Record
Deed Sale	Nov 27, 2019 · Amount on Record
Prior Sale	Nov 15, 2013 · Amount on Record
Deed Book / Page	2019 / 14288
Prior Transfer Date	Oct 24, 2013
Prior Transfer Doc	0000012396
Record Updated	Jun 8, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR AL
Property Address	264 MEMORY LN, RAGLAND, AL 35131
Transaction Type	Mortgage
Record Updated	Dec 8, 2025
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	264 MEMORY DR, RAGLAND, AL 35131-5029

Mortgage

Document Number	0000048863
Date	Nov 14, 2025
Book Page	MTG2025/48863

Lender

Name	MIDFIRST BANK
Type	Bank
Address	501 NW GRAND BLVD, OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	289 Months
Due	Dec 1, 2049

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR AL
Property Address	264 MEMORY LN, RAGLAND, AL 35131
Document Number	0000041128
Instrument Date	Aug 14, 2020
Transaction Type	Mortgage
Record Updated	Sep 28, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	264 MEMORY LN RAGLAND AL 35131, RAGLAND, AL 35131

Mortgage

Document Number	0000041128
Date	Aug 14, 2020
Instrument	41128

Lender

Name	CARAN M & REBECCA W WILBANKS

Agreement

Amount	Amount Recorded
Term	24 Months
Due	Aug 13, 2022

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR AL
Recording Date	Nov 27, 2019
Property Address	264 MEMORY LN, RAGLAND, AL 35131
Document Number	0000014288
Instrument Date	Nov 15, 2019
Instrument	14288
Transaction Type	Transfer
Record Updated	Dec 12, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$162.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	264 MEMORY LN RAGLAND AL 35131, RAGLAND, AL 35131

Mortgage

Document Number	47460
Date	Nov 27, 2019
Instrument	47460

Lender

Name	GMFS
Address	BATON ROUGE, LA 70806

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 26, 2049

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	Pell City City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$576.00 (+37.47%)	$17,340 (-33.23%)	$173,290 (+33.45%)
2023		$25,971 Land $2,655 Building $23,316	$129,855 Land $13,275 Building $116,580
2022	$419.00

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
Nearby Flood Claims	1 (2013)
Most Recent Claim	May 2013 · river or lake flooding

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 60% of the US · above 77% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WATTSVILLE WATER AUTHORITY serves 5,097 people · EPA ID AL0001216
Water Source	Groundwater
Last State Inspection	Apr 2024
Lead	Under 1 ppb (2024–2026) 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 49 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sparklight Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: Windstream.

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