300 Rivercrest Dr, Vincent, AL 35178 Property Records

St. Clair County property record for 300 Rivercrest Dr, Vincent, AL 35178

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,301 sqft · built 1994
Lot Size	1.6 acres (69,696 sqft)
Owner	Individual Name on Record
Last Sale	$122,000 (May 2005)
Tax Bill	$566 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`31-05-16-0-002-017.026`

Property Details

APN / Parcel Number

Primary APN	`31-05-16-0-002-017.026`
Alternative APNs	`505909` `35798`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,301 sqft Heated Area
1st Floor Area	1,301 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	69,696 sqft (1.6 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	300 RIVERCREST DR
City	VINCENT
State	AL
Zip	35178-9257
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 27 RIVERCREST S/D 16-18-3 1.60 AC
Legal Range	03E
Legal Township	18S
Legal Section	16
Legal Subdivision	RIVERCREST S/D
Legal Lot Number	27
Jurisdiction	ST CLAIR AL
Township / Civil Division	PELL CITY
Census Block Group	1
Census Block	1021
Census Tract	40213

Owner

Source: St. Clair County records, as of April 17, 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	300 RIVERCREST DR, VINCENT, AL 35178-9257
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 6, 2026	Deed of Trust, Mortgage · FHA Mortgage MIDFIRST BANK
Apr 14, 2021	Deed of Trust, Mortgage · FHA Mortgage MIDLAND MORTGAGE
Sep 10, 2018	Loan Modification, Mortgage · Conventional Mortgage MIDFIRST BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 3, 2005 · Amount on Record
Deed Sale	May 3, 2005 · Amount on Record
Deed Book / Page	2005 / 4872
Record Updated	Jun 8, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR AL
Property Address	300 RIVERCREST DR, VINCENT, AL 35178-9257
Transaction Type	Mortgage
Record Updated	Apr 9, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	300 RIVERCREST DR, VINCENT, AL 35178-9257

Mortgage

Document Number	0000009173
Date	Mar 6, 2026
Book Page	MTG2026/9173

Lender

Name	MIDFIRST BANK
Type	Bank
Address	501 NW GRAND BLVD, OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Mar 1, 2066

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR AL
Property Address	300 RIVERCREST DR, VINCENT, AL 35178-9257
Transaction Type	Mortgage
Record Updated	Jul 15, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	300 RIVERCREST DR, VINCENT, AL 35178-9257

Mortgage

Document Number	0000026285
Date	Apr 14, 2021
Book Page	MTG 2021/26285

Lender

Name	MIDLAND MORTGAGE
Type	Mortgage Company
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	321 Months
Due	Jan 1, 2048

September 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST CLAIR AL
Property Address	300 RIVERCREST DR, VINCENT, AL 35178-9257
Document Number	0000035160
Instrument Date	Sep 10, 2018
Transaction Type	Mortgage
Record Updated	Nov 16, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	300 RIVERCREST DR VINCENT AL 351789257, VINCENT, AL 35178-9257

Mortgage

Document Number	0000035160
Date	Oct 15, 2018
Instrument	35160

Lender

Name	MIDFIRST BK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 14, 2048

Interest

Rate Type	Fixed Rate
Rate	4.75%

Tax Assessment & Valuation

Source: St. Clair County assessment roll, as of April 17, 2026

Property Jurisdictions

Type	Name
State	Alabama
County	St. Clair County
Unified School District	Pell City City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$566.00 (+15.98%)	$17,060 (-42.72%)	$170,560 (+14.54%)
2023		$29,782 Land $4,160 Building $25,622	$148,910 Land $20,800 Building $128,110
2022	$488.00

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

Source: FEMA National Flood Hazard Layer, effective August 22, 2024 · 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 35 policies
Nearby Flood Policies	35 in force
Nearby Flood Claims	1 (2024)
Most Recent Claim	Jul 2024 · 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	Moderate above 44% of the US · above 48% of Alabama
Wildfire Likelihood	0.07% 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 37 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Coosa Valley Technologies Fiber	1,000 / 1,000
Sparklight Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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