314 River Rock Dr, Madison, AL 35756 Property Records

Madison County property record for 314 River Rock Dr, Madison, AL 35756

Property Summary

Property Type	Single Family Home
Details	1 ba · 2,108 sqft · built 2019
Lot Size	0.231 acres (10,093 sqft)
Owner	2 Individual Names on Record
Last Sale	$350,000 (Oct 2023)
Tax Bill	$2,140 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Oct 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`25-05-16-0-000-003.182`

Property Details

APN / Parcel Number

Primary APN	`25-05-16-0-000-003.182`
Alternative APNs	`499015` `620801`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	2,108 sqft Living Area
1st Floor Area	2,108 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

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	10,093 sqft (0.231 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	620801
Street Address	314 RIVER ROCK DR
City	MADISON
State	AL
Zip	35756-6900
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 137 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	137
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 2, 2026

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 Record
Mailing Address	314 RIVER ROCK DR, MADISON, AL 35756-6900
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 19, 2025	Deed of Trust, Mortgage · VA Mortgage NAVY FCU
Oct 31, 2023	Warranty Deed, Transfer · VA Mortgage ASSURANCE FINANCIAL GROUP LLC
Oct 1, 2019	Warranty Deed, Subdivision Related Transfer · VA Mortgage DHI MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 31, 2023 · Amount on Record
Deed Sale	Oct 31, 2023 · Amount on Record
Prior Sale	Oct 1, 2019 · Amount on Record
Deed Book / Page	2023 / 42043
Record Updated	Jun 8, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON AL
Property Address	314 RIVER ROCK DR, MADISON, AL 35756-6900
Transaction Type	Mortgage
Record Updated	Dec 1, 2025
Title Company	NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	314 RIVER ROCK DR, MADISON, AL 35756-6900

Mortgage

Document Number	0000222456
Date	Nov 19, 2025
Book Page	2025/222456

Lender

Name	NAVY FCU
Type	Credit Union
Address	820 FOLLIN LN SE, VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2040

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON AL
Recording Date	Oct 31, 2023
Property Address	314 RIVER ROCK DR, MADISON, AL 35756-6900
Document Number	0000042043
Book / Page	DEED 2023 / 42043
Map Reference	DOC 2018-00055870
Instrument Date	Oct 30, 2023
Transaction Type	Transfer
Record Updated	Nov 10, 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	217 CHANTILLY LN, MADISON, AL 35758-8353

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	314 RIVER ROCK DR, MADISON, AL 35756-6900

Mortgage

Document Number	MTG2023178219
Date	Oct 31, 2023
Instrument	MTG 2023/178219

Lender

Name	ASSURANCE FINANCIAL GROUP LLC
Type	Lending Institution

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

October 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON AL
Recording Date	Oct 1, 2019
Property Address	314 RIVER ROCK DR, MADISON, AL 35756-6900
Document Number	0000064056
Instrument Date	Sep 30, 2019
Instrument	64056
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 25, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$241.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	314 RIVER ROCK DR MADISON AL 35756, MADISON, AL 35756

Mortgage

Document Number	64057
Date	Oct 1, 2019
Instrument	64057

Lender

Name	DHI MTG
Type	Mortgage Company
Address	AUSTIN, TX 78750

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 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	$2,140.00 Homeowner's exemption	$35,580 (+22.69%) Land $6,000 Building $29,580	$355,800 (+22.73%) Land $60,000 Building $295,800
2023	Homeowner's exemption	$29,000 (-41.49%) Land $6,000 Building $23,000	$289,900 (+16.99%) Land $60,000 Building $229,900
2022	$3,047.00	$49,560 Land $11,000 Building $38,560	$247,800 Land $55,000 Building $192,800

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.

Nearby Properties on River Rock Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures