Madison County property record for 3022 Ready Section Rd, Toney, AL 35773
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,290 sqft · built 1994 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $438 (2025) |
| Deeds & Mortgages | Apr 2026 Line of Credit Dec 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-08-28-0-000-002.001 |
| Primary APN | 05-08-28-0-000-002.001 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,290 sqft Living Area |
| 1st Floor Area | 1,290 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1994 |
|---|---|
| Exterior Material | Vinyl |
| Foundation Type | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 43,560 sqft (1 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 142413 |
|---|---|
| Street Address | 3022 READY SECTION RD |
| City | TONEY |
| State | AL |
| Zip | 35773-8660 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ALL THAT PART OF THE NE 1/4 OF THE NE 1/4 OF SEC 28 MORE PARTIC DESC AS BEG AT A NAIL & WASHER AT OR NEAR THE NW COR OF SD NE |
| Legal Range | 02W |
| Legal Township | 01 |
| Legal Section | 28 |
| Jurisdiction | MADISON AL |
| Township / Civil Division | MADISON CROSSROADS |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 10405 |
Source: Madison County records · APN 05-08-28-0-000-002.001
Assessment roll updated January 1, 2025 · Last verified November 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3022 READY SECTION RD, TONEY, AL 35773-8660 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 24, 2026 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Dec 19, 2020 | Deed of Trust, Mortgage · Line of Credit FIGURE LNDG LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 19, 1993 |
| Deed Sale | Oct 19, 1993 |
| Deed Document Number | 0000822453 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON AL |
| Recording Date | Apr 24, 2026 |
| Property Address | 3022 READY SECTION RD, TONEY, AL 35773-8660 |
| Document Number | 2026085068 |
| Book / Page | 2026 / 85068 |
| Instrument Date | Apr 17, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Name | Verified Name |
|---|---|
| Address | 3022 READY SECTION RD, TONEY, AL 35773-8660 |
| Document Number | 2026085068, |
|---|---|
| Date | Apr 24, 2026 |
| Book Page | 2026/85068 |
| Name | FIGURE LENDING LLC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | May 13, 2036 |
| Rate | 6.22% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON AL |
| Property Address | 3022 READY SECTION RD, TONEY, AL 35773-8660 |
| Document Number | 0000103468 |
| Instrument Date | Dec 19, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 01, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3022 READY SECTION RD TONEY AL 357738660, TONEY, AL 35773-8660 |
| Document Number | 0000103468 |
|---|---|
| Date | Dec 28, 2020 |
| Instrument | 103468 |
| Name | FIGURE LNDG LLC |
|---|---|
| Address | RENO, NV 89501 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Dec 27, 2030 |
| Rate Type | Adjustable Rate |
|---|
Source: Madison County records · Assessment roll updated January 1, 2025 · Last verified November 2025
| Type | Name |
|---|---|
| State | Alabama |
| County | Madison County |
| Unified School District | Madison County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $438.00 (+4.04%) Homeowner's exemption | $13,540 (+3.68%) Land $2,500 Building $11,040 | $135,400 (+3.68%) Land $25,000 Building $110,400 |
| 2023 | $421.00 (+27.96%) Homeowner's exemption | $13,060 (+24.86%) Land $2,500 Building $10,560 | $130,600 (+24.86%) Land $25,000 Building $105,600 |
| 2022 | $329.00 Homeowner's exemption | $10,460 Land $1,300 Building $9,160 | $104,600 Land $13,000 Building $91,600 |
Source: FEMA National Flood Hazard Layer as of September 16, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 2 in force |
| Wildfire Risk | Low lower than 80% of the US · lower than 91% of Alabama |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| West Kentucky Rural Telephone Cooperative Corp. Fiber | 2,000 / 2,000 |
| Mediacom Communications Cable | 1,000 / 50 |
May also be available: Verizon.
Based on FCC filings for 9 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | MADISON COUNTY WATER DEPARTMENT serves 119,100 people |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Mar 2025 |
| Lead | 2 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ. The full violation and enforcement history is in the system's EPA record.
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