289 Gardner Rd, Grady, AL 36036 Property Records

Montgomery County property record for 289 Gardner Rd, Grady, AL 36036

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,598 sqft · built 1971
Lot Size	0.94 acres (40,946 sqft)
Owner	Individual Name on Record
Last Sale	$117,000 (Sep 2025)
Tax Bill	$337 (2026)
Deeds & Mortgages	Sep 2025 Second Mortgage Sep 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`28-06-14-0-000-041.000`

Property Details

APN / Parcel Number

Primary APN	`28-06-14-0-000-041.000`
Alternative APNs	`0328061400000041000` `292296`

Interior

Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,598 sqft Living Area
1st Floor Area	1,598 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Exterior Material	Wood
Foundation Type	Pier/Post & Beam
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	40,946 sqft (0.94 acres)
Garage Type	Carport
Carport	Carport
Porch	Slab
Porch Area	150 sqft

Location & Zoning

Account Number	292296
Street Address	289 GARDNER RD
City	GRADY
State	AL
Zip	36036-7310
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM SE COR SEC 14 T12N R19E TH N 1340 TH W 1765 TO E ROW OF PISGAH RD TH NLY 157 ALONG SAID ROW TO POB TH N 157 ALONG SAID
Legal Range	19E
Legal Township	12N
Legal Section	14
Jurisdiction	MONTGOMERY AL
Township / Civil Division	PINE LEVEL
Census Block Group	2
Census Block	2009
Census Tract	5700

Owner

Source: Montgomery 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	Individual Name on Record
Mailing Address	2720 COUNTY ROAD 7703, RAMER, AL 36069-5660
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 19, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ASSURANCE FINANCIAL GROUP LLC
Sep 19, 2025	Deed of Trust, Mortgage · Conventional Mortgage ASSURANCE FINANCIAL GROUP LLC
Jan 22, 2021	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 19, 2025 · Amount on Record
Deed Sale	Sep 19, 2025 · Amount on Record
Deed Document Number	20254779096
Deed Book / Page	6356 / 834
Prior Transfer Date	Jan 14, 2021
Prior Transfer Doc	0055240176
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY AL
Property Address	289 GARDNER RD, GRADY, AL 36036-7310
Transaction Type	Mortgage
Record Updated	Dec 10, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0063560849
Date	Sep 19, 2025
Book Page	6356/849

Lender

Name	ASSURANCE FINANCIAL GROUP LLC
Type	Lending Institution
Address	78809

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	118 Months
Due	Jul 1, 2035

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY AL
Property Address	289 GARDNER RD, GRADY, AL 36036-7310
Transaction Type	Mortgage
Record Updated	Dec 10, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2720 COUNTY ROAD 7703, FMES, AL 38669

Mortgage

Document Number	0063560836
Date	Sep 19, 2025
Book Page	6356/836

Lender

Name	ASSURANCE FINANCIAL GROUP LLC
Type	Lending Institution
Address	70239

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Jul 1, 2055

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONTGOMERY AL
Recording Date	Jan 22, 2021
Property Address	289 GARDNER RD, GRADY, AL 36036-7310
Document Number	0055240176
Book / Page	005524 / 000176
Instrument Date	Jan 14, 2021
Transaction Type	Transfer
Record Updated	Mar 10, 2021
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1121 CORDIN AVE NW ATLANTA GA 30318, ATLANTA, GA 30318

Tax Assessment & Valuation

Source: Montgomery County assessment roll, as of October 7, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$337.00 (-45.56%)
2025	$619.00 (+6.91%)	$16,740 (+18.39%) Land $2,840 Building $13,900	$83,700 (+18.39%) Land $14,200 Building $69,500
2023	$579.00	$14,140 Land $2,080 Building $12,060	$70,700 Land $10,400 Building $60,300

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.

Flood

Source: FEMA National Flood Hazard Layer, effective February 20, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · lower than 66% of Alabama
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Mon-Cre Telephone Cooperative Fiber	200 / 200

May also be available: C Spire Wireless.

Cell Coverage

5G and 4G LTE (outdoors only)

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