295 Acuff Rd, Gurley, AL 35748 Property Records

Madison County property record for 295 Acuff Rd, Gurley, AL 35748

Property Summary

Property Type	Single Family Home
Details	1 ba · 888 sqft · built 1960
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on File
Last Sale	$145,000 (Mar 2021)
Tax Bill	$370 (2026)
Deeds & Mortgages	Jan 2024 Line of Credit Mar 2021 Sale & Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`12-07-26-0-000-041.000`

Property Details

APN / Parcel Number

Primary APN	`12-07-26-0-000-041.000`
Alternative APNs	`082995` `566087`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	888 sqft Living Area
1st Floor Area	888 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Exterior Material	Vinyl
Foundation Type	Retaining Wall
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	43,560 sqft (1 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	566087
Street Address	295 ACUFF RD
City	GURLEY
State	AL
Zip	35748-9701
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEC 26 T3S R2E COMM CTR E BDY SEC 23 TH S 1306.42 FT TH CON S 400 FT TH SWLY 1343.7 FT TO E MAR ACUFF RD TH SLY ALG R MAR OF
Legal Range	02E
Legal Township	03S
Legal Section	26
Legal Subdivision	TE HEWLETT PROP
Jurisdiction	MADISON AL
Township / Civil Division	NEW MARKET
Census Block Group	1
Census Block	1025
Census Tract	10200

Owner

295 Acuff Rd is owned and occupied by an individual who bought it in March 2021.

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

Owner of Record	Individual Name on File
Mailing Address	295 ACUFF RD, GURLEY, AL 35748-9701
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Jan 8, 2024	Deed of Trust, Mortgage · Line of Credit REDSTONE FCU
Mar 31, 2021	Warranty Deed, Construction Loan · Construction Mortgage LOANDEPOT.COM LLC
Sep 27, 2017	Grant Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 31, 2021 · Amount on File
Deed Sale	Mar 31, 2021 · Amount on File
Prior Sale	Sep 27, 2017 · Amount on File
Deed Document Number	202126484
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON AL
Property Address	295 ACUFF RD, GURLEY, AL 35748-9701
Transaction Type	Mortgage
Record Updated	Jan 24, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002965
Date	Jan 8, 2024
Book Page	2024/2965

Lender

Name	REDSTONE FCU
Type	Credit Union
Address	220 WYNN DR NW, HUNTSVILLE, AL 35893

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 21, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	MADISON AL
Recording Date	Mar 31, 2021
Property Address	295 ACUFF RD, GURLEY, AL 35748-9701
Document Number	0000026484
Instrument Date	Mar 29, 2021
Instrument	2021-00026484
Transaction Type	Construction Loan
Record Updated	Jul 15, 2022

Transaction

Amount	Amount 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	760 MOONTOWN RD, 760, BROWNSBORO, AL 35741-9665

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	295 ACUFF ROAD, SCOTTSBORO, AL 35769

Mortgage

Document Number	0000026485
Date	Mar 31, 2021
Instrument	2021-00026485

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

September 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MADISON AL
Recording Date	Sep 27, 2017
Property Address	295 ACUFF RD, GURLEY, AL 35748-9701
Document Number	0000566750
Instrument Date	Sep 25, 2017
Instrument	566750
Transaction Type	Transfer
Record Updated	Oct 23, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$32.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	275 ACUFF RD GURLEY AL 357489701, GURLEY, AL 35748-9701

Mortgage

Document Number	566760
Date	Sep 27, 2017
Instrument	566760

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 26, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 295 Acuff Rd was $370 with a homeowner's exemption.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$370.00
2025	$370.00 Homeowner's exemption	$11,660 Land $2,500 Building $9,160	$116,600 Land $25,000 Building $91,600
2023	$328.00 (+19.71%) Homeowner's exemption	$10,520 (+17.67%) Land $2,500 Building $8,020	$105,200 (+17.67%) Land $25,000 Building $80,200
2022	$274.00 Homeowner's exemption	$8,940 Land $1,300 Building $7,640	$89,400 Land $13,000 Building $76,400

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

FEMA maps place 295 Acuff Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2019.

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 File median of 10 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	1 (2019)
Most Recent Claim	Feb 2019 · Severe Storms, Straight-line Winds, Tornadoes, And 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

Wildfire risk around 295 Acuff Rd is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 91% of Alabama
Wildfire Likelihood	0.02% 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 48 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
NHTC Fiber	8,000 / 8,000
Mediacom Xtream Cable	1,000 / 50

Cell Coverage

5G and 4G LTE (outdoors only)

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