264 S Cedar St, Mobile, AL 36602 Property Records

Mobile County property record for 264 S Cedar St, Mobile, AL 36602

Property Summary

Property Type	Single Family Home
Details	3 ba · 3,054 sqft · built 1995
Owner	2 Individual Names on Record
Last Sale	$10,000 (May 1995)
Tax Bill	$1,601 (2025)
Deeds & Mortgages	Feb 2024 Second Mortgage Aug 2022 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`R022906400011196006`

Property Details

APN / Parcel Number

Primary APN	`R022906400011196006`
Alternative APNs	`29 06 40 0 011 196.006` `02423728` `2423728`

Interior

Full Baths	3 Baths
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	3,054 sqft Living Area
1st Floor Area	2,102 sqft
Upper Floors Area	634 sqft
Interior Walls	Wallboard/Drywall
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2000
Exterior Material	Brick
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Asphalt
Garage Area	644 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	2423728
Old Parcel Number	R022906400011196006
Street Address	264 S CEDAR ST
City	MOBILE
State	AL
Zip	36602-1908
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 6 RESUB OF BLK 312 WEST CHURCH STREET COMMUNITY DEVELOPMENT MBK 54/121 #SEC 40 T4S R1W #MP29 06 40 0 011
Legal Range	01W
Legal Township	04S
Legal Section	40
Legal Subdivision	CHURCH STREET COMMUNITY DEVELOPMENT
Legal Block	312
Legal Lot Number	6
Legal Unit	Y
Jurisdiction	MOBILE AL
Township / Civil Division	MOBILE
Census Block Group	1
Census Block	1086
Census Tract	200

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Church Street East Historic District (Boundary Increase) listed 1984 · 25 contributing resources · NRIS 84000663

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Mobile County records, as of December 22, 2025

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 Record
Mailing Address	264 S CEDAR ST, MOBILE, AL 36602-1908
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 20, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Aug 26, 2022	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU
Jun 10, 2021	Deed of Trust, Mortgage · FHA Mortgage MIDLAND MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 10, 1995 · Amount on Record
Deed Sale	May 10, 1995 · Amount on Record
Deed Document Number	WD4258-995
Record Updated	Jun 8, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MOBILE AL
Property Address	264 S CEDAR ST, MOBILE, AL 36602-1908
Transaction Type	Mortgage
Record Updated	Mar 4, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008346
Date	Feb 20, 2024
Instrument	2024008346

Lender

Name	NAVY FCU
Type	Credit Union
Address	820 FOLLIN LN SE, VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Mar 1, 2044

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MOBILE AL
Property Address	264 S CEDAR ST, MOBILE, AL 36602-1908
Transaction Type	Mortgage
Record Updated	Sep 12, 2022
Title Company	NAVY FEDERAL TITLE SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000056475
Date	Aug 26, 2022
Instrument	2022056475

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MOBILE AL
Property Address	264 S CEDAR ST, MOBILE, AL 36602-1908
Transaction Type	Mortgage
Record Updated	Jul 6, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000037600
Date	Jun 10, 2021
Instrument	2021037600

Lender

Name	MIDLAND MORTGAGE CORP
Type	Mortgage Company
Address	COLUMBIA, SC 29201

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

Source: Mobile County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	Alabama
County	Mobile County
Municipality	Mobile City
Unified School District	Mobile County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,601.00 (-19.83%) Homeowner's exemption Senior Citizen's exemption	$28,630 (-19.51%) Land $4,500 Building $24,130	$286,300 (-19.51%) Land $45,000 Building $241,300
2024	$1,997.00 (+14.7%) Homeowner's exemption Senior Citizen's exemption	$35,570 (+14.37%) Land $4,500 Building $31,070	$355,700 (+14.37%) Land $45,000 Building $310,700
2023	$1,741.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$31,100 Land $4,500 Building $26,600	$311,000 Land $45,000 Building $266,000

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 October 1, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 79 individual policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	134 units insured incl. 55 condo units
Nearby Flood Claims	179 (1979–2022)
Claims Outside the SFHA	43 of 179
Most Recent Claim	Nov 2022 · rainfall accumulation
Claims by Event	Hurricane Katrina, Aug 2005 · 53 claims Hurricane Georges, Sep 1998 · 20 claims Hurricane Elena, Sep 1985 · 9 claims

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	Not rated no burnable land within ember reach

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 MOBILE, BD. OF W&S COMM. OF THE serves 279,000 people · EPA ID AL0001005
Water Source	Surface water
Last State Inspection	Sep 2023
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jul 2023
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 343 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250

May also be available: T-Mobile, Verizon.

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