Shelby County property record for 284 Polo Downs, Chelsea, AL 35043 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,671 sqft · built 2014 |
| Lot Size | 0.233 acres (10,149 sqft) |
| Owner | Individual Name on File |
| Last Sale | $255,899 (Sep 2013) |
| Tax Bill | $2,242 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Oct 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 097261002031000 |
| Primary APN | 097261002031000 |
|---|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,671 sqft Heated Area |
| 1st Floor Area | 1,448 sqft |
| Upper Floors Area | 1,224 sqft |
| Basement Area | 1,256 sqft |
| Unfinished Basement | 377 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Fiber Cement Siding |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 10,149 sqft (0.233 acres) |
| Lot Dimensions | 144 ft deep x 36.5 ft wide |
| Garage Type | Attached |
| Garage Area | 431 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 288 sqft |
| Porch | Patio |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 284 POLO DOWNS |
|---|---|
| City | CHELSEA |
| State | AL |
| Zip | 35043-7601 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SEC/TWNSHP/RAN 26 19S 01W NBRHD: 17 POLO CROSSINGS R-2 |
| Legal Range | 01W |
| Legal Township | 19S |
| Legal Section | 26 |
| Legal Subdivision | POLO CROSSINGS SEC 1 |
| Legal Lot Number | 128 |
| Jurisdiction | SHELBY AL |
| Township / Civil Division | CHELSEA |
| Census Block Group | 1 |
| Census Block | 1048 |
| Census Tract | 30215 |
Source: Shelby County records · APN 097261002031000
Assessment roll updated April 21, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 284 POLO DOWNS, CHELSEA, AL 35043-7601 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 31, 2026 | Deed of Trust, Mortgage · FHA Mortgage EUSTIS MORTGAGE CORPORATION |
| Oct 04, 2022 | Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK |
| Feb 18, 2020 | Deed of Trust, Mortgage · Line of Credit REGIONS BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 05, 2013 · Amount on Record |
| Deed Sale | Sep 05, 2013 · Amount on Record |
| Deed Document Number | 2013361360 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHELBY AL |
| Recording Date | Jul 31, 2026 |
| Property Address | 284 POLO DOWNS, CHELSEA, AL 35043-7601 |
| Document Number | 0000247950 |
| Instrument Date | Jul 27, 2026 |
| Instrument | 2026247950 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 284 POLO DOWNS, CHELSEA, AL 35043-7601 |
| Document Number | 0000247950, |
|---|---|
| Date | Jul 31, 2026 |
| Instrument | 2026247950 |
| Name | EUSTIS MORTGAGE CORPORATION |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2056 |
| Rate | 6.49% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHELBY AL |
| Property Address | 284 POLO DOWNS, CHELSEA, AL 35043-7601 |
| Transaction Type | Mortgage |
| Record Updated | Oct 12, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000379420 |
|---|---|
| Date | Oct 04, 2022 |
| Instrument | 20221004000379420 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35244 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHELBY AL |
| Property Address | 284 POLO DOWNS, CHELSEA, AL 35043-7601 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000066090 |
|---|---|
| Date | Feb 18, 2020 |
| Instrument | 20200218000066090 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | CHELSEA, AL 35043 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Jan 27, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Shelby County records · Assessment roll updated April 21, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Alabama |
| County | Shelby County |
| Municipality | Chelsea City |
| Unified School District | Shelby County School District (PK - 12) |
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 | $2,242.00 | $50,960 (+0.63%) | $509,500 (+0.65%) Land $70,000 Building $439,500 |
| 2023 | Homeowner's exemption Senior Citizen's exemption | $50,640 | $506,220 Land $70,000 Building $436,220 |
Source: FEMA National Flood Hazard Layer, Shelby County (01117C), updated January 23, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 011170302151, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 1 (2022) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jan 2022, other causes |
| Wildfire Risk | Moderate above 61% of the US · above 79% of Alabama |
|---|---|
| Wildfire Likelihood | About 1 in 625 per year |
| 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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 69 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| AT&T | Fiber | 5,000 / 5,000 |
| Spectrum | Cable | 1,000 / 1,000 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures