Pike County property record for 3 River Ridge Rd, Troy, AL 36079
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,837 sqft · built 1976 |
| Lot Size | 0.989 acres (43,116 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $245,000 (Sep 2023) |
| Tax Bill | $833 (2025) |
| Deeds & Mortgages | Jan 2026 Mortgage Sep 2023 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 823320 |
| Primary APN | 823320 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,837 sqft Living Area |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 2012 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 43,116 sqft (0.989 acres) |
| Garage Type | Attached |
| Parking Spaces | 1 Parking Space |
| Pool Type | In-Ground Vinyl Pool |
|---|---|
| Pool Area | 800 sqft |
| Porch | Open Porch |
| Porch Area | 442 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 823320 |
|---|---|
| Street Address | 3 RIVER RIDGE RD |
| City | TROY |
| State | AL |
| Zip | 36079-5313 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | S |
| Legal Description | P.O.B. N. 18DEG02'E 260.4' FRO INTER. E. R/W C.R. 1 & S. LINE OF NE1/4 OF SW1/4 N 217.9' E 212' S 211.3' W ALG. DRIVE 200' TO |
| Jurisdiction | PIKE AL |
| Township / Civil Division | TROY |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 189001 |
3 River Ridge Rd is owned and occupied by two individuals who bought it in September 2023.
Source: Pike County records, as of March 18, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3 RIVER RIDGE RD, TROY, AL 36079-5313 |
| 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.
| Date | Document |
|---|---|
| Jan 12, 2026 | Deed of Trust, Mortgage · FHA Mortgage EMORTGAGE FUNDING LLC |
| Sep 20, 2023 | Warranty Deed, Transfer · FHA Mortgage REGIONS BANK |
| Jun 20, 2018 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL CO |
| Aug 23, 2021 | Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 20, 2023 · Amount on File |
| Deed Sale | Sep 20, 2023 · Amount on File |
| Prior Sale | Aug 23, 2021 · Amount on File |
| Deed Document Number | 0020232393 |
| Deed Book / Page | DEED 2023 / 2393 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PIKE AL |
| Property Address | 3 RIVER RIDGE RD, TROY, AL 36079-5313 |
| Transaction Type | Mortgage |
| Record Updated | Jan 23, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3 RIVER RIDGE RD, TROY, AL 36079-5313 |
| Document Number | MTG2026/420 |
|---|---|
| Date | Jan 12, 2026 |
| Book Page | MTG 2026/420 |
| Name | EMORTGAGE FUNDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | TROY, MI 48084 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 288 Months |
| Due | Jan 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PIKE AL |
| Recording Date | Sep 20, 2023 |
| Property Address | 3 RIVER RIDGE RD, TROY, AL 36079-5313 |
| Document Number | DEED2023/2393 |
| Book / Page | DEED 2023 / 2393 |
| Instrument Date | Sep 18, 2023 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3 RIVER RIDGE RD, TROY, AL 36079-5313 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3 RIVER RIDGE RD, TROY, AL 36079-5313 |
| Document Number | 00MTG25677 |
|---|---|
| Date | Sep 20, 2023 |
| Instrument | MTG 2//5677 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PIKE AL |
| Property Address | 3 RIVER RIDGE RD, TROY, AL 36079-5313 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2023 |
| Title Company | ADVANTAGEONE TITLE, ADVANTAGE TITLE |
| Name | Verified Name |
|---|
| Document Number | 02018/3695 |
|---|---|
| Date | Jun 20, 2018 |
| Book Page | 2018/3695 |
| Instrument | 20183695 |
| Name | CARDINAL FINANCIAL CO |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2048 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PIKE AL |
| Recording Date | Aug 23, 2021 |
| Property Address | 3 RIVER RIDGE RD, TROY, AL 36079-5313 |
| Document Number | 02021/2600 |
| Book / Page | 2021 / 2600 |
| Instrument Date | Aug 12, 2021 |
| Instrument | 2021-2600 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 16920 WATERLINE RD, BRADENTON, FL 34212-9344 |
| Name | Verified Name |
|---|---|
| Address | 3 RIVER RIDGE RD, TROY, AL 36079-5313 |
| Document Number | 2021955920219559 |
|---|---|
| Date | Aug 23, 2021 |
| Instrument | 2021/955920219559 |
| Name | WELLS FARGO BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 3 River Ridge Rd was $833 with a homeowner's exemption, up 7.5% from the year before.
Source: Pike County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | Alabama |
| County | Pike County |
| Municipality | Troy City |
| Unified School District | Troy City School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $833.00 (+7.48%) Homeowner's exemption | $23,940 (+6.97%) Land $1,800 Building $22,140 | $246,980 (+10.46%) Land $18,000 Building $228,980 |
| 2024 | $775.00 (+20.9%) Homeowner's exemption | $22,380 (+19.3%) Land $1,500 Building $20,880 | $223,600 (+19.38%) Land $15,000 Building $208,600 |
| 2023 | $641.00 (+16.97%) Homeowner's exemption | $18,760 (+15.52%) | $187,300 (+15.49%) Land $15,000 Building $172,300 |
| 2022 | $548.00 Homeowner's exemption | $16,240 | $162,180 Land $15,000 Building $147,180 |
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.
FEMA maps place 3 River Ridge Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective December 2, 2011
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 3 River Ridge Rd is moderate, ranking above 40% of the US, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 40% of the US · lower than 66% of Alabama |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| C Spire Wireless Fiber | 10,000 / 10,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures