3122 Co Rd 281, Five Points, AL 36855 Property Records

Chambers County property record for 3122 Co Rd 281, Five Points, AL 36855

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 780 sqft · built 1991
Lot Size	0.5 acres (21,780 sqft)
Owner	Company Name on Record
Last Sale	$42,601 (Aug 2026)
Tax Bill	$877 (2026)
Deeds & Mortgages	Aug 2026 Line of Credit Aug 2026 Foreclosure + 1 more
Flood Zone	Zone X (minimal risk)
APN	`12-02-01-12-0-000-010.002`

Property Details

APN / Parcel Number

Primary APN	`12-02-01-12-0-000-010.002`
Alternative APNs	`0201120000010002` `489535` `10993`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	780 sqft Living Area
1st Floor Area	780 sqft
Upper Floors Area	780 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	21,780 sqft (0.5 acres)
Lot Dimensions	210 ft deep x 105 ft wide
Porch	Slab
Porch Area	564 sqft

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	489535
Street Address	3122 COUNTY ROAD 281
City	FIVE POINTS
State	AL
Zip	36855-2869
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEG 1054'(S) W OF & 809'(S) S OF NE COR OF N1/2 OF NE1/4, RUN S'LY105', NW'LY 210' TO CO. ROAD 281, N'LY ALONG ROAD 105', SE'
Legal Range	27
Legal Township	24
Legal Section	12
Jurisdiction	CHAMBERS AL
Township / Civil Division	FIVE POINTS
Census Block Group	1
Census Block	1016
Census Tract	953800

Owner

Source: Chambers County records, as of October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	2641 HIGHWAY 431, ROANOKE, AL 36274-1753
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2026	Deed of Trust, Mortgage · Line of Credit ALABAMA AGENCY CREDIT FLCA
Aug 3, 2026	Trustee's Deed, Foreclosure NONE LISTED ON DOCUMENT
Oct 19, 2022	Warranty Deed, Transfer · Conventional Mortgage STATEWIDE MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 3, 2026 · Amount on Record
Deed Sale	Aug 3, 2026 · Amount on Record
Prior Sale	Jan 29, 2024 · Amount on Record
Deed Document Number	20263556
Prior Transfer Date	Jan 25, 2024
Prior Transfer Doc	0000000354
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMBERS AL
Recording Date	Aug 26, 2026
Property Address	3122 COUNTY ROAD 281, FIVE POINTS, AL 36855-2869
Document Number	0000003924
Instrument Date	Aug 25, 2026
Instrument	20263924
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	5306 COUNTY ROAD 54, CAMP HILL, AL 36850-2674

Mortgage

Document Number	0000003924,
Date	Aug 26, 2026
Instrument	20263924

Lender

Name	ALABAMA AGENCY CREDIT FLCA

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Sep 1, 2046

Interest

Max Rate	-1%

August 2026: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	CHAMBERS AL
Recording Date	Aug 3, 2026
Property Address	3122 COUNTY ROAD 281, FIVE POINTS, AL 36855-2869
Document Number	0000003556
Instrument Date	Apr 28, 2026
Instrument	20263556
Transaction Type	Foreclosure
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$4,302.60
Amount Accuracy	Calculated from Transfer Tax
Additional	Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Address	2641 HIGHWAY 431, ROANOKE, AL 36274-1753

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMBERS AL
Recording Date	Oct 19, 2022
Property Address	3122 COUNTY ROAD 281, ROANOKE, AL 36274
Document Number	02022/4785
Book / Page	2022 / 4785
Instrument Date	Oct 13, 2022
Transaction Type	Transfer
Record Updated	Mar 28, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1749 LOUINA RD, ROANOKE, AL 36274-4029

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3122 COUNTY ROAD 281, FIVE POINTS, AL 36855-2869

Mortgage

Document Number	0020224786
Date	Oct 19, 2022
Instrument	2022/4786

Lender

Name	STATEWIDE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

Tax Assessment & Valuation

Source: Chambers County assessment roll, as of May 12, 2026

Property Jurisdictions

Type	Name
State	Alabama
County	Chambers County
Unified School District	Chambers County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$877.00 (+6.95%)
2025	$820.00 (-9.59%)	$19,292 (-0.14%) Land $880 Building $18,412	$96,460 (-0.07%) Land $4,400 Building $92,060
2024	$907.00 (+10.48%) Additional exemption filed	$19,320 (-) Land $880 Building $18,440	$96,530 (-) Land $4,410 Building $92,120
2023	$821.00	$19,320 (-) Land $880 Building $18,440	$96,530 (-) Land $4,410 Building $92,120
2022	$821.00	$19,320 Land $880 Building $18,440	$96,530 Land $4,410 Building $92,120

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 February 18, 2011 · 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
Nearby Flood Policies	1 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	Moderate above 54% of the US · above 67% of Alabama
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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	EAST ALABAMA, WATER & FIRE PRO DISTRICT serves 17,532 people · EPA ID AL0000174
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2023
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	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
TEC DSL	50 / 5

Cell Coverage

4G LTE (outdoors only), no 5G reported

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