3 N Royal St, Mobile, AL 36602 Property Records

Mobile County property record for 3 N Royal St, Mobile, AL 36602

Property Summary

Property Type	Bank, Financial Building
Details	5 ba · 4,460 sqft · built 1990
Lot Size	0.053 acres (2,309 sqft)
Owner	Company Name on File
Tax Bill	$5,495 (2025)
Deeds & Mortgages	Jul 2020 Sale Oct 2017 Line of Credit
Flood Zone	Zone X (moderate risk)
APN	`R022906400002201`

Property Details

APN / Parcel Number

Primary APN	`R022906400002201`
Alternative APNs	`29 06 40 0 002 201.XXX` `00736001` `736001`

Interior

Full Baths	5 Baths
Total Rooms	1 Room
Units	105 Units
Stories	2 Stories
Building Area	4,460 sqft Living Area
1st Floor Area	2,220 sqft
Upper Floors Area	2,240 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Stucco
Roof Type	Rigid Frame Bar Joist
Roof Material	Built-Up Asphalt
Lot Area	2,309 sqft (0.053 acres)
Porch	Open Porch
Porch Area	280 sqft
Canopy	280 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	736001
Street Address	3 N ROYAL ST
City	MOBILE
State	AL
Zip	36602-3801
Property Category	Commercial
Property Type	Commercial > Office > Bank, Financial Building
Legal Description	COMG NW COR OF DAUPHIN & ROYAL ST TH NLY 24.5 FT TO BEG TH CONT NLY 42.83 FT TH WLY 59 FT TH SLY 40.83 FT TH ELY 54.25 FT TO
Legal Range	04S
Legal Township	04S
Legal Section	40
Legal Subdivision	COMMERCIAL SITE
Jurisdiction	MOBILE AL
Township / Civil Division	MOBILE
Census Block Group	1
Census Block	1001
Census Tract	200

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Lower Dauphin Street Commercial District listed 2019 · 31 contributing resources · NRIS 100001307

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

3 N Royal St, a commercial property, is owned by a company that acquired it in October 2001.

Source: Mobile County records, as of September 15, 2026

Owner of Record	Company Name on File
Mailing Address	PO BOX 729, PASCAGOULA, MS 39568-0729
Owner Type	Company
Vesting	Company

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
Jul 24, 2020	Warranty Deed, Transfer ATTORNEY ONLY
Oct 27, 2017	Deed of Trust, Mortgage · Line of Credit OAKWORTH CAP BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 1, 2001
Deed Sale	Oct 1, 2001
Deed Document Number	200171340
Deed Book / Page	5042 / 549
Record Updated	Oct 29, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MOBILE AL
Recording Date	Jul 24, 2020
Property Address	3 N ROYAL ST, MOBILE, AL 36602-3801
Document Number	0000043981
Instrument Date	Jul 22, 2020
Instrument	43981
Transaction Type	Transfer
Record Updated	Sep 9, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$1,200.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 729 PASCAGOULA MS 395680729, PASCAGOULA, MS 39568-0729

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MOBILE AL
Property Address	3 N ROYAL ST, MOBILE, AL 36602-3801
Document Number	0000064275
Instrument Date	Oct 27, 2017
Transaction Type	Mortgage
Record Updated	Feb 28, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	14752 COUNTY ROAD 3 FAIRHOPE AL 365325645, FAIRHOPE, AL 36532-5645

Mortgage

Document Number	0000064275
Date	Nov 14, 2017
Book Page	007575/001451
Instrument	64275

Lender

Name	OAKWORTH CAP BK
Type	Bank
Address	MOBILE, AL 36602

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 3 N Royal St was $5,495, up 1.9% from the year before.

Source: Mobile County assessment roll, as of September 15, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,495.00 (+1.91%)	$172,680 (+1.88%) Land $8,500 Building $164,180	$863,400 (+1.88%) Land $42,500 Building $820,900
2024	$5,392.00 (+7.67%)	$169,500 (+7.71%) Land $6,560 Building $162,940	$847,500 (+7.71%) Land $32,800 Building $814,700
2023	$5,008.00	$157,360 Land $6,540 Building $150,820	$786,800 Land $32,700 Building $754,100

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 3 N Royal St in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective October 1, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 79 individual policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	134 units insured incl. 55 condo units
Nearby Flood Claims	179 (1979–2022)
Claims Outside the SFHA	43 of 179
Most Recent Claim	Nov 2022 · rainfall accumulation
Claims by Event	Hurricane Katrina, Aug 2005 · 53 claims Hurricane Georges, Sep 1998 · 20 claims Hurricane Elena, Sep 1985 · 9 claims

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 3 N Royal St is low, with a 0.01% 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	0.01% annual chance
Exposure	None beyond ember reach

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF MOBILE, BD. OF W&S COMM. OF THE serves 279,000 people · EPA ID AL0001005
Water Source	Surface water
Last State Inspection	Sep 2023
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jul 2023
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 186 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: Benchmark Communications, REV, T-Mobile, Verizon.

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