Madison County property record for 297 Waters Edge Ln, Madison, AL 35758
| Property Type | Condominium |
|---|---|
| Details | 1 ba · 1,055 sqft · built 1994 |
| Lot Size | 0.002 acres (26 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $185,000 (May 2024) |
| Tax Bill | $1,290 (2026) |
| Deeds & Mortgages | Feb 2026 Mortgage May 2024 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-02-09-1-002-041.025-CONDO |
| Primary APN | 16-02-09-1-002-041.025-CONDO |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,055 sqft Living Area |
| 1st Floor Area | 1,055 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Condo/Apartment |
| Exterior Material | Other |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 26 sqft (0.002 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 628953 |
|---|---|
| Street Address | 297 WATERS EDGE LN |
| City | MADISON |
| State | AL |
| Zip | 35758-2590 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Legal Description | UNIT 2 BLDG 16 MADISON TOWNE CENTRE SEC C WATERS EDGE VILLAGE PH XVI1-C & COMM ELE AS LISTED IN CONDO BK 3 PG 58 PB 29 PG 45 |
| Legal Range | 02W |
| Legal Township | 04S |
| Legal Section | 09 |
| Legal Subdivision | WATERS EDGE VILLAGE PH XVII |
| Jurisdiction | MADISON AL |
| Township / Civil Division | MADISON |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 11013 |
Source: Madison 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 | 297 WATERS EDGE LN, MADISON, AL 35758-2590 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 5, 2026 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| May 16, 2024 | Warranty Deed, Transfer · VA Mortgage USAA FSB |
| Sep 24, 2021 | Warranty Deed, Transfer · Conventional Mortgage TJC MORTGAGE INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 16, 2024 · Amount on Record |
| Deed Sale | May 16, 2024 · Amount on Record |
| Prior Sale | Sep 24, 2021 · Amount on Record |
| Deed Book / Page | 2024 / 17378 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON AL |
| Property Address | 297 WATERS EDGE LN, MADISON, AL 35758-2590 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|---|
| Address | 297 WATERS EDGE LN, MADISON, AL 35758-2590 |
| Document Number | 0000022767 |
|---|---|
| Date | Feb 5, 2026 |
| Book Page | 2026/22767 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | 951 W YAMATO RD STE 175, BOCA RATON, FL 33431 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON AL |
| Recording Date | May 16, 2024 |
| Property Address | 297 WATERS EDGE LN, MADISON, AL 35758-2590 |
| Document Number | 0000017378 |
| Book / Page | DEED2024 / 17378 |
| Map Reference | MB 29 PG 45 |
| Instrument Date | May 15, 2024 |
| Transaction Type | Transfer |
| Record Updated | Apr 2, 2026 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 297 WATERS EDGE LN, MADISON, AL 35758-2590 |
| Name | Verified Name |
|---|---|
| Address | 297 WATERS EDGE LN, MADISON, AL 35758-2590 |
| Document Number | 0202474058 |
|---|---|
| Date | May 16, 2024 |
| Instrument | 2024/74058 |
| Name | USAA FSB |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON AL |
| Recording Date | Sep 24, 2021 |
| Property Address | 297 WATERS EDGE LN, MADISON, AL 35758-2590 |
| Document Number | 0000079319 |
| Map Reference | MB 29 PG 45 |
| Instrument Date | Sep 17, 2021 |
| Instrument | 2021-00079319 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 100 GREYTHORNE DR, MADISON, AL 35758-7559 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 11617 MISTY WHITE DR, AUSTIN, TX 78717-4467 |
| Document Number | 0000079320 |
|---|---|
| Date | Sep 24, 2021 |
| Instrument | 2021-00079320 |
| Name | TJC MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2051 |
Source: Madison County assessment roll, as of November 17, 2025
| Type | Name |
|---|---|
| State | Alabama |
| County | Madison County |
| Municipality | Madison City |
| Unified School District | Madison City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,290.00 (-15.35%) | ||
| 2025 | $1,524.00 (-22.21%) Homeowner's exemption | $22,480 (-20.06%) Building $22,480 | $224,800 (+59.89%) Building $224,800 |
| 2023 | $1,959.00 (+3.11%) | $28,120 (+3.15%) Building $28,120 | $140,600 (+3.15%) Building $140,600 |
| 2022 | $1,900.00 | $27,260 Building $27,260 | $136,300 Building $136,300 |
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 September 16, 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 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 3 (2003–2016) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Jan 2016 · river or lake flooding |
| Claims by Event |
|
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 | Low lower than 98% of the US · lower than 99.5% of Alabama |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 219 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Xfinity Cable · Fiber in parts of the area | 2,000 / 250 |
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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