304 River Rock Dr, Madison, AL 35756 Property Records

Madison County property record for 304 River Rock Dr, Madison, AL 35756

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,059 sqft · built 2020
Lot Size	0.302 acres (13,165 sqft)
Owner	Individual Name on Record
Last Sale	$348,000 (Mar 2023)
Tax Bill	$2,233 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Jan 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`25-05-16-0-000-003.187`

Property Details

APN / Parcel Number

Primary APN	`25-05-16-0-000-003.187`
Alternative APNs	`506459` `609098`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,059 sqft Living Area
1st Floor Area	2,059 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	13,165 sqft (0.302 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	609098
Street Address	304 RIVER ROCK DR
City	MADISON
State	AL
Zip	35756-6900
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 142 RIVERS LANDING PH 3 PB# 2018-55870
Legal Range	02W
Legal Township	05S
Legal Section	16
Legal Subdivision	RIVERS LANDING PH 3
Legal Lot Number	142
Jurisdiction	MADISON AL
Township / Civil Division	TRIANA
Census Block Group	2
Census Block	2004
Census Tract	11203

Owner

Source: Madison County records, as of November 17, 2025

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	304 RIVER ROCK DR, MADISON, AL 35756-6900
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 8, 2021	Deed of Trust, Mortgage · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Jan 16, 2020	Warranty Deed, Subdivision Related Transfer · FHA Mortgage FIRSTBANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 27, 2023 · Amount on Record
Deed Sale	Mar 27, 2023 · Amount on Record
Prior Sale	Jan 16, 2020 · Amount on Record
Deed Book / Page	2023 / 10724
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON AL
Property Address	304 RIVER ROCK DR, MADISON, AL 35756-6900
Transaction Type	Mortgage
Record Updated	Apr 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100019060
Date	Mar 8, 2021
Instrument	2021-00019060

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company
Address	ISELIN, NJ 08830

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Jan 1, 2051

January 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON AL
Recording Date	Jan 16, 2020
Property Address	304 RIVER ROCK DR, MADISON, AL 35756-6900
Document Number	0000004273
Instrument Date	Jan 15, 2020
Instrument	4273
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 17, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$246.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	304 RIVER ROCK DR MADISON AL 357566900, MADISON, AL 35756-6900

Mortgage

Document Number	4274
Date	Jan 16, 2020
Instrument	4274

Lender

Name	FIRSTBANK
Type	Bank
Address	FRANKLIN, TN 37067

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 15, 2050

Tax Assessment & Valuation

Source: Madison County assessment roll, as of November 17, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,233.00 (+23.64%) Homeowner's exemption	$37,100 (-38.49%) Land $6,000 Building $31,100	$370,900 (+22.98%) Land $60,000 Building $310,900
2023	$1,806.00 (+18.58%)	$60,320 (+135.99%) Land $12,000 Building $48,320	$301,600 (+18.04%) Land $60,000 Building $241,600
2022	$1,523.00 Homeowner's exemption	$25,560 Land $5,500 Building $20,060	$255,500 Land $55,000 Building $200,500

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 September 16, 2026 · 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 19 policies
Nearby Flood Policies	19 in force

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	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	TRIANA WATER WORKS serves 7,038 people · EPA ID AL0000905
Water Source	Purchased surface water from HUNTSVILLE UTILITIES WATER DEPT.
Last State Inspection	Feb 2026
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	9 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 630 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250

May also be available: Google Fiber.

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