313 River Rock Dr, Madison, AL 35756 Property Records

Madison County property record for 313 River Rock Dr, Madison, AL 35756

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,852 sqft · built 2019
Lot Size	0.16 acres (7,003 sqft)
Owner	Individual Name on Record
Last Sale	$335,000 (May 2025)
Tax Bill	$2,004 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Oct 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`25-05-16-0-000-003.196`

Property Details

APN / Parcel Number

Primary APN	`25-05-16-0-000-003.196`
Alternative APN	`500413`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,852 sqft Living Area
1st Floor Area	1,852 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	7,003 sqft (0.16 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	500413
Street Address	313 RIVER ROCK DR
City	MADISON
State	AL
Zip	35756-6901
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 151 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	151
Jurisdiction	MADISON AL
Township / Civil Division	TRIANA
Census Block Group	2
Census Block	2004
Census Tract	11203

Owner

Source: Madison County records, as of April 13, 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	313 RIVER ROCK DR, MADISON, AL 35756-6901
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2026	Deed of Trust, Mortgage · Conventional Mortgage NAVY FEDERAL CREDIT UNION
Oct 31, 2019	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage DHI MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 2, 2025 · Amount on Record
Deed Sale	May 2, 2025 · Amount on Record
Prior Sale	Oct 31, 2019 · Amount on Record
Deed Book / Page	2025 / 16948
Prior Transfer Date	Oct 30, 2024
Prior Transfer Doc	0000045963
Record Updated	Jun 8, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON AL
Recording Date	Apr 1, 2026
Property Address	313 RIVER ROCK DR, MADISON, AL 35756-6901
Document Number	2026065281
Book / Page	2026 / 65281
Instrument Date	Mar 27, 2026
Transaction Type	Mortgage
Record Updated	Jul 13, 2026
Title Company	NAVY FEDERAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	313 RIVER ROCK DR, MADISON, AL 35756-6901

Mortgage

Document Number	2026065281,
Date	Apr 1, 2026
Book Page	2026/65281

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2041

Interest

Rate Type	Fixed Rate
Rate	5.44%
Initial Type	Fixed Rate
Max Rate	-1%

October 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON AL
Recording Date	Oct 31, 2019
Property Address	313 RIVER ROCK DR, MADISON, AL 35756-6901
Document Number	0000071322
Instrument Date	Oct 31, 2019
Instrument	71322
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 23, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$45.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	M MADISON AL 35756, MADISON, AL 35756

Mortgage

Document Number	71323
Date	Oct 31, 2019
Instrument	71323

Lender

Name	DHI MTG
Type	Mortgage Company
Address	AUSTIN, TX 78750

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 30, 2049

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	$2,004.00 (+23.02%) Homeowner's exemption	$33,380 (+22.36%) Land $6,000 Building $27,380	$333,800 (+22.36%) Land $60,000 Building $273,800
2023	$1,629.00 (+17.45%) Homeowner's exemption	$27,280 (+16.88%) Land $6,000 Building $21,280	$272,800 (+16.88%) Land $60,000 Building $212,800
2022	$1,387.00 Homeowner's exemption	$23,340 Land $5,500 Building $17,840	$233,400 Land $55,000 Building $178,400

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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