293 Carter Rd, Madison, AL 35758 Property Records

Madison County property record for 293 Carter Rd, Madison, AL 35758

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 2,217 sqft · built 1985
Lot Size	0.848 acres (36,956 sqft)
Owner	2 Individual Names on Record
Last Sale	$485,000 (Jan 2026)
Tax Bill	$1,784 (2026)
Deeds & Mortgages	Oct 2025 Line of Credit Jan 2026 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`15-08-27-0-004-056.000`

Property Details

APN / Parcel Number

Primary APN	`15-08-27-0-004-056.000`
Alternative APNs	`040957` `470389`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,217 sqft Living Area
1st Floor Area	2,217 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Exterior Material	Wood
Construction Type	Wood
Foundation Type	Brick
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	36,956 sqft (0.848 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	470389
Street Address	293 CARTER RD
City	MADISON
State	AL
Zip	35758-8213
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 32 BLK 1 RAINBOW MOUNTAIN HEIGHTS 6TH ADD PB 7 PG 65
Legal Subdivision	RAINBOW MOUNTAIN ADD
Legal Block	1
Legal Lot Number	32
Jurisdiction	MADISON AL
Township / Civil Division	MADISON
Census Block Group	3
Census Block	3040
Census Tract	11012

Owner

Source: Madison County records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3600 HARTLAND PARKSIDE PL, LEXINGTON, KY 40515-1295
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 15, 2025	Deed of Trust, Mortgage · Line of Credit FARMERS BANK
Jan 12, 2026	Warranty Deed, Transfer · Conventional Mortgage CONTOUR MORTGAGE CORP
Jul 10, 2018	Deed of Trust, Mortgage · VA Mortgage TIDEWATER MORTGAGE SERVICES INC
Nov 24, 2020	Deed of Trust, Construction Loan · Construction Mortgage MIDTOWN MTG
Feb 17, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG
Jun 7, 2018	Warranty Deed, Transfer · VA Mortgage MIDTOWN MORTGAGE COMPANY LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 12, 2026 · Amount on Record
Deed Sale	Jan 12, 2026 · Amount on Record
Prior Sale	Jun 7, 2018 · Amount on Record
Deed Book / Page	2026 / 1059
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON AL
Property Address	293 CARTER RD, MADISON, AL 35758-8213
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000194426
Date	Oct 15, 2025
Book Page	2025/194426

Lender

Name	FARMERS BANK
Type	Bank
Address	29 E MAIN ST, PARSONS, TN 38363

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

Interest

Change Frequency	Monthly

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON AL
Recording Date	Jan 12, 2026
Property Address	293 CARTER RD, MADISON, AL 35758-8213
Document Number	0000001059
Book / Page	DEED2026 / 1059
Map Reference	MB 7 PG 65
Instrument Date	Jan 2, 2026
Transaction Type	Transfer
Record Updated	Jan 20, 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	2150 HUGHES RD UNIT 2402, 2402, MADISON, AL 35758-6443

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	293 CARTER RD, MADISON, AL 35758-8213

Mortgage

Document Number	0020265743
Date	Jan 12, 2026
Instrument	2026/5743

Lender

Name	CONTOUR MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON AL
Property Address	293 CARTER RD, MADISON, AL 35758-8213
Transaction Type	Mortgage
Record Updated	Jun 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000044009
Date	Jul 10, 2018
Instrument	20180710000044009

Lender

Name	TIDEWATER MORTGAGE SERVICES INC
Type	Mortgage Company
Address	HUNTSVILLE, AL 35806

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2048

November 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	MADISON AL
Recording Date	Nov 24, 2020
Property Address	293 CARTER RD, MADISON, AL 35758-8213
Document Number	0000094738
Instrument Date	Nov 17, 2020
Instrument	94738
Transaction Type	Construction Loan
Record Updated	Jan 5, 2021
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	293 CARTER RD MADISON AL 357588213, MADISON, AL 35758-8213

Mortgage

Document Number	0000094738
Date	Nov 24, 2020
Instrument	94738

Lender

Name	MIDTOWN MTG
Type	Mortgage Company
Address	HUNTSVILLE, AL 35806

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 23, 2050

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON AL
Property Address	293 CARTER RD, MADISON, AL 35758-8213
Document Number	0000014373
Instrument Date	Feb 17, 2020
Transaction Type	Mortgage
Record Updated	Mar 19, 2020
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	293 CARTER RD MADISON AL 357588213, MADISON, AL 35758-8213

Mortgage

Document Number	0000014373
Date	Feb 25, 2020
Instrument	14373

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Feb 24, 2048

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON AL
Recording Date	Jun 7, 2018
Property Address	293 CARTER RD, MADISON, AL 35758-8213
Document Number	0000035657
Map Reference	MB 7 PG 65
Instrument Date	Jun 7, 2018
Instrument	20180607000035657
Transaction Type	Transfer
Record Updated	Nov 22, 2021

Transaction

Amount	Amount Recorded
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	132 AUTUMN CREST DR, 132, MADISON, AL 35757-7546

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	293 CARTER RD, MADISON, AL 35758-8213

Mortgage

Document Number	0000035658
Date	Jun 7, 2018
Instrument	20180607000035658

Lender

Name	MIDTOWN MORTGAGE COMPANY LLC
Type	Non-Lending Institution

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

Tax Assessment & Valuation

Source: Madison County assessment roll, as of November 17, 2025

Property Jurisdictions

Type	Name
State	Alabama
County	Madison County
Municipality	Madison City
Unified School District	Madison City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,784.00 (+4.51%)
2025	$1,707.00 (+6.22%) Homeowner's exemption	$25,120 (+6.08%) Land $4,760 Building $20,360	$251,100 (+6.13%) Land $47,500 Building $203,600
2023	$1,607.00 (+12.22%) Homeowner's exemption	$23,680 (+11.91%) Land $4,760 Building $18,920	$236,600 (+11.92%) Land $47,500 Building $189,100
2022	$1,432.00 Homeowner's exemption	$21,160 Land $4,760 Building $16,400	$211,400 Land $47,500 Building $163,900

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · 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
Flood Insurance Cost	Premium on Record median of 22 policies
Nearby Flood Policies	22 in force
Nearby Flood Claims	1 (2014)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2014 · rainfall accumulation

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	Low lower than 93% of the US · lower than 97.7% of Alabama
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 72 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
WOW Internet, Cable & Phone Cable	1,200 / 50
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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