285 4th St, Eclectic, AL 36024 Property Records

Elmore County property record for 285 4th St, Eclectic, AL 36024

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,664 sqft · built 1960
Lot Size	0.62 acres (27,007 sqft)
Owner	2 Individual Names on Record
Last Sale	$350,000 (Feb 2022)
Tax Bill	$1,145 (2022)
Deeds & Mortgages	May 2023 Line of Credit Feb 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-05-15-0-001-001.001`

Property Details

APN / Parcel Number

Primary APN	`06-05-15-0-001-001.001`
Alternative APN	`192360`

Interior

Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,664 sqft Living Area
1st Floor Area	1,664 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	27,007 sqft (0.62 acres)
Garage Type	Carport
Garage Area	504 sqft
Carport	Carport
Carport Area	504 sqft
Porch	Slab
Porch Area	630 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	285 4TH ST
City	ECLECTIC
State	AL
Zip	36024-2813
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT L-96 LITTLE KOWALIGA CREEK ADD #2 9/71 C
Legal Range	20E
Legal Township	20N
Legal Section	15
Legal Subdivision	LITTLE KOWALIGA CREEK ADD
Legal Lot Number	L-96
Jurisdiction	ELMORE AL
Township / Civil Division	ECLECTIC
Census Block Group	2
Census Block	2049
Census Tract	30300

Owner

Source: Elmore 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	2 Individual Names on Record
Mailing Address	285 4TH ST, ECLECTIC, AL 36024-2813
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 18, 2023	Deed of Trust, Mortgage · Line of Credit GUARDIAN CU
Feb 28, 2022	Warranty Deed, Transfer · Conventional Mortgage GUARDIAN CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 28, 2022 · Amount on Record
Deed Sale	Feb 28, 2022 · Amount on Record
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELMORE AL
Property Address	285 4TH ST, ECLECTIC, AL 36024-2813
Transaction Type	Mortgage
Record Updated	Mar 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2023/21236
Date	May 18, 2023
Book Page	2023/21236

Lender

Name	GUARDIAN CU
Type	Credit Union
Address	MONTGOMERY, AL 36109

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	May 1, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ELMORE AL
Recording Date	Feb 28, 2022
Property Address	285 4TH ST, ECLECTIC, AL 36024-2813
Document Number	2022/13387
Book / Page	2022 / 13387
Map Reference	MB 9 PG 71A-71C
Instrument Date	Feb 28, 2022
Transaction Type	Transfer
Record Updated	Mar 19, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	584 MORNINGVIEW DR, MONTGOMERY, AL 36109-2030

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	285 4TH ST, ECLECTIC, AL 36024-2813

Mortgage

Document Number	0202213389
Date	Feb 28, 2022
Instrument	2022/13389

Lender

Name	GUARDIAN CU
Type	Credit Union

Agreement

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

Tax Assessment & Valuation

Source: Elmore County assessment roll, as of March 19, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$61,260 (+6.99%)	$724,060 (+26.46%) Land $273,910 Building $450,150
2023		$57,256 (+24.98%) Land $27,391 Building $29,865	$572,560 (+24.98%) Land $273,910 Building $298,650
2022	$1,145.00	$45,812 Land $26,593 Building $19,219	$458,120 Land $265,930 Building $192,190

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 February 20, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	9 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 54% of the US · above 67% 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.

Drinking Water

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

Water System	CENTRAL ELMORE WATER & SEWER AUTHORITY serves 39,798 people · EPA ID AL0000547
Water Source	Surface water
Last State Inspection	Aug 2023
Lead	Under 1 ppb (2023–2025) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
C Spire Wireless Fiber · Cable	2,000 / 2,000
Windstream DSL	100 / 20

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