28 Northpointe Dr, Arley, AL 35541 Property Records

Winston County property record for 28 Northpointe Dr, Arley, AL 35541

Property Summary

Property Type	Single Family Home
Details	2 ba · 3,390 sqft · built 2020
Lot Size	1.4 acres (60,984 sqft)
Owner	Company Name on File
Last Sale	$880,000 (Oct 2022)
Tax Bill	$5,278 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Oct 2022 Sale & Mortgage + 2 more
Flood Zone	Zone A (high risk)
APN	`38776`

Property Details

APN / Parcel Number

Primary APN	`38776`
Alternative APN	`67 11 02 09 0 200 011.018`

Interior

Full Baths	2 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	18 Plumbing Fixtures
Stories	1 Story
Building Area	3,390 sqft Living Area
Upper Floors Area	1,302 sqft
Basement Area	1,860 sqft
Finished Basement	1,860 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	60,984 sqft (1.4 acres)
Lot Dimensions	196 ft deep x 220 ft wide

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Open Porch
Porch Area	661 sqft
Boat Access	Boat Access

Location & Zoning

Account Number	38776
City	ARLEY
State	AL
Zip	35541
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 20 RIDGE AT ROCK CREEK MB 3 PG 184 S9 T11 R6
Legal Subdivision	RIDGE AT ROCK CREEK
Legal Lot Number	20
Jurisdiction	WINSTON AL
Township / Civil Division	ADDISON
Census Block Group	1
Census Block	1014
Census Tract	965503

Owner

Source: Winston County records · APN 38776

Assessment roll updated January 1, 2025 · Last verified January 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Mailing Address	PO BOX 1488, TUPELO, MS 38802-1488
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Jun 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage PEOPLES BANK OF ALABAMA
Oct 26, 2022	Warranty Deed, Transfer · Commercial Mortgage CADENCE BANK NA
Jun 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage PEOPLES BANK OF ALABAMA
Jun 19, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 26, 2022 · Amount on Record
Deed Sale	Oct 26, 2022 · Amount on Record
Prior Sale	Jun 19, 2018 · Amount on Record
Deed Document Number	0000362961
Deed Book / Page	362 / 961
Record Updated	Jun 08, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINSTON AL
Property Address	ARLEY, AL 35541
Transaction Type	Mortgage
Record Updated	Dec 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	000650/691
Date	Jun 16, 2020
Book Page	650/691

Lender

Name	PEOPLES BANK OF ALABAMA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2050

Interest

Rate Type	Fixed Rate

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINSTON AL
Recording Date	Oct 26, 2022
Property Address	ARLEY, AL 35541
Document Number	000362/961
Book / Page	362 / 961
Map Reference	MB 3 PG 184
Instrument Date	Oct 24, 2022
Transaction Type	Transfer
Record Updated	Dec 26, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	28 NORTHPOINTE DR, ARLEY, AL 35541-4584

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1488, TUPELO, MS 38802-1488

Mortgage

Document Number	000686/150
Date	Oct 26, 2022
Book Page	686/150

Lender

Name	CADENCE BANK NA
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Nov 05, 2042

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 05, 2020
Change Frequency	Annually
Min Rate At Change	5.75%
Max Rate At Change	7.75%
Index	1-Year CMT
Max Rate	10.7%

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINSTON AL
Property Address	28 NORTHPOINTE DR, ARLEY, AL 35541-4584
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	650/691
Date	Jun 16, 2020
Book Page	650/691

Lender

Name	PEOPLES BANK OF ALABAMA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2050

Interest

Rate Type	Fixed Rate

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINSTON AL
Recording Date	Jun 19, 2018
Property Address	ARLEY, AL 35541
Document Number	000330/920
Book / Page	330 / 920
Instrument Date	Jun 15, 2018
Transaction Type	Transfer
Record Updated	Dec 26, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2350 LEN CIR NW, HARTSELLE, AL 35640-7769
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Winston County records · Assessment roll updated January 1, 2025 · Last verified January 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,278.00 (+5.16%)	$159,940 (+5.15%)	$799,700 (+5.15%) Land $95,200 Building $704,500
2024	$5,019.00 (+121.3%)	$152,100 (+8.67%)	$760,540 (+8.68%) Land $92,400 Building $668,140
2023	$2,268.00 (+30.27%)	$139,960 (+159.09%)	$699,820 (+29.56%) Land $92,400 Building $607,420
2022	$1,741.00 Additional exemption filed	$54,020	$540,160 Land $92,400 Building $447,760

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 16, 2011 · 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 A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	5 in force
Nearby Flood Claims	2 (2008–2021)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Apr 2021 · river or lake flooding

Wildfire

Wildfire Risk	Moderate above 52% of the US · above 64% of Alabama
Wildfire Likelihood	0.1% 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)
Sprout Fiber Internet Fiber	2,000 / 2,000
Spectrum Fiber	1,000 / 1,000

Based on FCC filings for 22 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

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