292 Florida Rd, Pell City, AL 35125 Property Records

St. Clair County property record for 292 Florida Rd, Pell City, AL 35125

Property Summary

Property Type	Single Family Home
Details	1,414 sqft · built 1958
Lot Size	0.8 acres (34,848 sqft)
Owner	Individual Name on Record
Tax Bill	$337 (2025)
Deeds & Mortgages	Feb 2022 Line of Credit Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22-09-30-0-004-024.000`

Property Details

APN / Parcel Number

Primary APN	`22-09-30-0-004-024.000`
Alternative APNs	`511514` `19063`

Interior

Stories	1 Story
Building Area	1,414 sqft Heated Area
1st Floor Area	1,414 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	34,848 sqft (0.8 acres)
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Utility Building	320 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	292 FLORIDA RD
City	PELL CITY
State	AL
Zip	35125-3832
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM INT N/LN NE/4 SW/4 & W/E R/W VANDERGRIFT RD S ALG R/W 12 60'(S) TO POB S 105' E 315' N 210' W 105 S 105' W 210' TO PO B 3
Legal Range	04E
Legal Township	16S
Legal Section	30
Jurisdiction	ST CLAIR AL
Township / Civil Division	PELL CITY
Census Block Group	1
Census Block	1028
Census Tract	40207

Owner

Source: St. Clair County records, as of April 17, 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	292 FLORIDA RD, PELL CITY, AL 35125-3832
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 15, 2022	Deed of Trust, Mortgage · Line of Credit AMERICAS FIRST FCU
Sep 8, 2020	Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 23, 2011
Deed Sale	May 23, 2011
Deed Book / Page	2011 / 3477
Prior Transfer Date	May 13, 2010
Prior Transfer Doc	0000003477
Record Updated	Jun 8, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR AL
Property Address	292 FLORIDA RD, PELL CITY, AL 35125-3832
Transaction Type	Mortgage
Record Updated	Jan 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008911
Date	Feb 15, 2022
Book Page	MTG 2022/8911

Lender

Name	AMERICAS FIRST FCU
Type	Credit Union
Address	BIRMINGHAM, AL 35203

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Feb 7, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR AL
Property Address	292 FLORIDA RD, PELL CITY, AL 35125-3832
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	292 FLORIDA RD, PELL CITY, AL 35125-3832

Mortgage

Document Number	0000046095
Date	Sep 8, 2020
Book Page	MTG 2020/46095

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	69 Months
Due	Jun 1, 2026

Tax Assessment & Valuation

Source: St. Clair County assessment roll, as of April 17, 2026

Property Jurisdictions

Type	Name
State	Alabama
County	St. Clair County
Unified School District	Pell City City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$337.00	$10,720 (-49.86%)	$106,910 (-)
2024	$337.00 (+28.14%) Homeowner's exemption Disabled Person's exemption	$21,382 (-) Land $2,420 Building $18,962	$106,910 (-) Land $12,100 Building $94,810
2023		$21,382 Land $2,420 Building $18,962	$106,910 Land $12,100 Building $94,810
2022	$263.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective August 22, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2013)
Most Recent Claim	May 2013 · river or lake flooding

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 53% of the US · above 65% 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	WATTSVILLE WATER AUTHORITY serves 5,097 people · EPA ID AL0001216
Water Source	Groundwater
Last State Inspection	Apr 2024
Lead	Under 1 ppb (2024–2026) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 38 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Sparklight Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Coosa Valley Technologies, Verizon.

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