304 S Commerce St, Geneva, AL 36340 Property Records

Geneva County property record for 304 S Commerce St, Geneva, AL 36340

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,103 sqft · built 1927
Lot Size	0.23 acres (10,065 sqft)
Owner	Individual Name on File
Last Sale	$160,000 (Feb 2022)
Tax Bill	$1,409 (2025)
Deeds & Mortgages	Feb 2022 Sale & Line of Credit
Flood Zone	Zone X (reduced by levee)
APN	`1804204016004000`

Property Details

APN / Parcel Number

Primary APN	`1804204016004000`
Alternative APNs	`0000751030` `0000846960`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,103 sqft Heated Area
1st Floor Area	2,103 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1927
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	10,065 sqft (0.23 acres)
Lot Dimensions	165 ft deep x 61 ft wide
Garage Area	500 sqft
Porch	Slab
Porch Area	498 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	0000846960
Street Address	304 S COMMERCE ST
City	GENEVA
State	AL
Zip	36340-2409
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 8 BLK H GENEVA PB 1/10 S20-T1N-R22E
Legal Range	22E
Legal Township	01N
Legal Section	20
Legal Subdivision	EVALUATION SUB
Legal Block	H
Legal Lot Number	8
Jurisdiction	GENEVA AL
Township / Civil Division	GENEVA
Census Block Group	3
Census Block	3028
Census Tract	50300

Owner

Source: Geneva County records · APN 1804204016004000

Assessment roll updated April 10, 2026 · Last verified June 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 File
Mailing Address	2613 BELMONT BLVD, NASHVILLE, TN 37212-5901
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 22, 2022 · Amount on Record
Deed Sale	Feb 22, 2022 · Amount on Record
Prior Sale	Oct 11, 2012
Deed Document Number	20221143273
Deed Book / Page	1143 / 273
Last Transfer Date	Apr 18, 2023
Transfer Doc	1190000370
Record Updated	Sep 20, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GENEVA AL
Recording Date	Feb 22, 2022
Property Address	304 S COMMERCE ST, GENEVA, AL 36340-2409
Document Number	001143/273
Book / Page	1143 / 273
Map Reference	MB 1 PG 10
Instrument Date	Feb 18, 2022
Transaction Type	Transfer
Record Updated	Jun 08, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7688 N STATE HIGHWAY 27, 7688, CHANCELLOR, AL 36316-4910

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2613 BELMONT BLVD, NASHVILLE, TN 37212-5901

Mortgage

Document Number	0001143276
Date	Feb 22, 2022
Instrument	1143/276

Lender

Name	BANKPLUS
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Geneva County records · Assessment roll updated April 10, 2026 · Last verified June 2026

Property Jurisdictions

Type	Name
State	Alabama
County	Geneva County
Municipality	Geneva City
Unified School District	Geneva City School District (KG - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,409.00	$31,960 (-) Land $2,960 Building $29,000	$159,800 (-) Land $14,800 Building $145,000
2024	$1,409.00 (+20.12%)	$31,960 (+20.15%) Land $2,960 Building $29,000	$159,800 (+20.15%) Land $14,800 Building $145,000
2023	$1,173.00 (+12.68%)	$26,600 (+12.62%) Land $2,960 Building $23,640	$133,000 (+12.62%) Land $14,800 Building $118,200
2022	$1,041.00	$23,620 Land $2,000 Building $21,620	$118,100 Land $10,000 Building $108,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Geneva County (01061C), as of May 1, 2016 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 010610503003, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X reduced by levee · depends on levee performance
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	28 (1978–2013)
Claims Outside the SFHA	18 of 28
Most Recent Claim	Feb 2013 · rainfall accumulation
Claims by Event	Severe Storms, Flooding, Tornadoes & Straight-line, Mar 2009 · 6 claims Hurricane Georges, Sep 1998 · 3 claims Severe Storms, Tornadoes & Flooding, Mar 1990 · 5 claims

Wildfire

Wildfire Risk	Low lower than 66% of the US · lower than 82% of Alabama
Wildfire Likelihood	0.02% 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Based on FCC filings for 252 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

Drinking Water

Source: EPA Safe Drinking Water Information System, water system AL0000622, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CITY OF GENEVA, THE WW & SB OF THE serves 9,600 people
Water Source	Groundwater
Last State Inspection	Jan 2026
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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.