Shelby County property record for 287 Polo Downs, Chelsea, AL 35043
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 1,947 sqft · built 2019 |
| Lot Size | 0.318 acres (13,852 sqft) |
| Owner | Individual Name on File |
| Last Sale | $265,235 (Sep 2018) |
| Tax Bill | $1,809 (2025) |
| Deeds & Mortgages | Oct 2025 Line of Credit Oct 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 097261002029000 |
| Primary APN | 097261002029000 |
|---|
| Full Baths | 3 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,947 sqft Heated Area |
| 1st Floor Area | 1,298 sqft |
| Upper Floors Area | 649 sqft |
| Basement Area | 1,298 sqft |
| Finished Basement | 1,298 sqft |
| Unfinished Basement | 519 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Fiber Cement Siding |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 13,852 sqft (0.318 acres) |
| Lot Dimensions | 222 ft deep x 36.6 ft wide |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 287 POLO DOWNS |
|---|---|
| City | CHELSEA |
| State | AL |
| Zip | 35043-7602 |
| 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 | 126 |
| Jurisdiction | SHELBY AL |
| Township / Civil Division | CHELSEA |
| Census Block Group | 1 |
| Census Block | 1048 |
| Census Tract | 30215 |
Source: Shelby County assessment roll, as of April 21, 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 | 287 POLO DOWNS, CHELSEA, AL 35043-7602 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 10, 2025 | Deed of Trust, Mortgage · Line of Credit ALABAMA TELCO CU |
| Oct 20, 2021 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Jun 6, 2019 | Deed of Trust, Mortgage · Line of Credit AVADIAN CU |
| Sep 6, 2018 | Grant Deed, Transfer · Conventional Mortgage AVADIAN CU |
| Feb 14, 2018 | Loan Modification, Mortgage · Line of Credit SOUTHPOINT BK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 6, 2018 · Amount on Record |
| Deed Sale | Sep 6, 2018 · Amount on Record |
| Deed Document Number | 2018319570 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHELBY AL |
| Property Address | 287 POLO DOWNS, CHELSEA, AL 35043-7602 |
| Transaction Type | Mortgage |
| Record Updated | Oct 22, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000312700 |
|---|---|
| Date | Oct 10, 2025 |
| Instrument | 20251010000312700 |
| Name | ALABAMA TELCO CU |
|---|---|
| Type | Credit Union |
| Address | BIRMINGHAM, AL 35244 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 9, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHELBY AL |
| Property Address | 287 POLO DOWNS, CHELSEA, AL 35043-7602 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000510480 |
|---|---|
| Date | Oct 20, 2021 |
| Instrument | 20211020000510480 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHELBY AL |
| Property Address | 287 POLO DOWNS, CHELSEA, AL 35043-7602 |
| Document Number | 0000214220 |
| Instrument Date | Jun 6, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jun 28, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 287 POLO DOWNS CHELSEA AL 350437602, CHELSEA, AL 35043-7602 |
| Document Number | 0000214220 |
|---|---|
| Date | Jun 17, 2019 |
| Instrument | 214220 |
| Name | AVADIAN CU |
|---|---|
| Address | HOOVER, AL 35244 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jun 16, 2039 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SHELBY AL |
| Recording Date | Sep 6, 2018 |
| Property Address | 287 POLO DOWNS, CHELSEA, AL 35043-7602 |
| Document Number | 0000319570 |
| Instrument Date | Aug 30, 2018 |
| Instrument | 319570 |
| Transaction Type | Transfer |
| Record Updated | Sep 21, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $265.50 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 287 POLO DOWNS CHELSEA AL 35043, CHELSEA, AL 35043 |
| Document Number | 319580 |
|---|---|
| Date | Sep 6, 2018 |
| Instrument | 319580 |
| Name | AVADIAN CU |
|---|---|
| Address | BIRMINGHAM, AL 35244 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 5, 2048 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SHELBY AL |
| Property Address | 287 POLO DOWNS, CHELSEA, AL 35043-7602 |
| Document Number | 0000052750 |
| Instrument Date | Feb 14, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Feb 27, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Document Number | 0000052750 |
|---|---|
| Date | Feb 19, 2018 |
| Instrument | 52750 |
| Name | SOUTHPOINT BK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|
| Rate Type | Adjustable Rate |
|---|
Source: Shelby County assessment roll, as of April 21, 2026
| Type | Name |
|---|---|
| State | Alabama |
| County | Shelby County |
| Municipality | Chelsea City |
| Unified School District | Shelby County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,809.00 (+1.97%) | $41,120 (-0.34%) | $411,200 (-0.32%) Land $70,000 Building $341,200 |
| 2023 | $1,774.00 (+30.06%) Homeowner's exemption | $41,260 (+29.18%) | $412,500 (+29.19%) Land $70,000 Building $342,500 |
| 2022 | $1,364.00 Homeowner's exemption | $31,940 | $319,300 Land $60,000 Building $259,300 |
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.
Source: FEMA National Flood Hazard Layer, effective January 23, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| 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 |
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 61% of the US · above 78% of Alabama |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SHELBY COUNTY COMMISSION-WATER SERVICES serves 40,101 people · EPA ID AL0001671 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Apr 2025 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 69 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
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