314 Simpson St, Florence, AL 35630 Property Records

Lauderdale County property record for 314 Simpson St, Florence, AL 35630

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,080 sqft · built 1930
Lot Size	0.169 acres (7,405 sqft)
Owner	Individual Name on File
Last Sale	$110,000 (Aug 2023)
Tax Bill	$844 (2025)
Deeds & Mortgages	Aug 2023 Sale & Line of Credit Nov 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`24-02-03-4-004-039-000`

Property Details

APN / Parcel Number

Primary APN	`24-02-03-4-004-039-000`
Alternative APNs	`094930` `106568` `42946` `94930`

Interior

Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,080 sqft Living Area
1st Floor Area	1,080 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1930
Exterior Material	Vinyl
Foundation Type	Retaining Wall
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	7,405 sqft (0.169 acres)
Lot Dimensions	150 ft deep x 50 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	106568
Street Address	314 SIMPSON ST
City	FLORENCE
State	AL
Zip	35630-2324
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02
Legal Description	50 X 150 CITY OF FLORENCE BLK 434 LOT 11 .17 AC/C SEC 03 T3S R11W PB 1 PG 137
Legal Range	11W
Legal Township	03S
Legal Section	03
Legal Subdivision	CITY OF FLORENCE BLOCK 0434
Legal Block	434
Legal Lot Number	11
Jurisdiction	LAUDERDALE AL
Township / Civil Division	FLORENCE
Census Block Group	2
Census Block	2009
Census Tract	10600

Owner

314 Simpson St is owned by an individual who bought it in August 2023.

Source: Lauderdale County records, as of November 21, 2025

Owner of Record	Individual Name on File
Mailing Address	763 GOLF TRAIL RDG, MUSCLE SHOALS, AL 35661-4682
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 8, 2023	Survivorship Deed, Transfer · Line of Credit BANK INDEPENDENT
Nov 2, 2018	Warranty Deed, Transfer · Conventional Mortgage FIRST METRO BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 8, 2023 · Amount on File
Deed Sale	Aug 8, 2023 · Amount on File
Prior Sale	Nov 2, 2018 · Amount on File
Deed Document Number	0202332458
Deed Book / Page	2023 / 32458
Record Updated	Jun 8, 2026

August 2023: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	LAUDERDALE AL
Recording Date	Aug 8, 2023
Property Address	314 SIMPSON ST, FLORENCE, AL 35630-2324
Document Number	2023/32458
Book / Page	2023 / 32458
Map Reference	MB 1 PG 137
Instrument Date	Aug 7, 2023
Transaction Type	Transfer
Record Updated	Sep 20, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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	1162 CATHEDRAL CIR, MADISON, AL 35758-8907

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1815 RIVER RD, MUSCLE SHOALS, AL 35661-4000

Mortgage

Document Number	0202332460
Date	Aug 8, 2023
Instrument	2023/32460

Lender

Name	BANK INDEPENDENT
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 7, 2053

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAUDERDALE AL
Recording Date	Nov 2, 2018
Property Address	314 SIMPSON ST, FLORENCE, AL 35630-2324
Document Number	2018/47596
Book / Page	2018 / 47596
Instrument Date	Oct 2, 2018
Transaction Type	Transfer
Record Updated	May 2, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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	482 COUNTY ROAD 412, 482, KILLEN, AL 35645-7821

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2220 JENNIFER AVE, MUSCLE SHOALS, AL 35661-2636

Mortgage

Document Number	0201847598
Date	Nov 2, 2018
Instrument	2018/47598

Lender

Name	FIRST METRO BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 314 Simpson St was $844, down 9.1% from the year before.

Source: Lauderdale County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	Alabama
County	Lauderdale County
Municipality	Florence City
Unified School District	Florence City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$844.00 (-9.05%)	$17,240 (-8.98%)	$86,220 (-8.97%) Land $6,300 Building $79,920
2024	$928.00 (+11.94%)	$18,940 (+1,914.89%) Land $1,040 Building $17,900	$94,720 (+11.94%) Land $5,200 Building $89,520
2023	$829.00 (+16.76%)	$940 (-93.52%) Land $940	$84,620 (+16.72%) Land $4,700 Building $79,920
2022	$710.00	$14,500	$72,500 Land $5,100 Building $67,400

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

FEMA maps place 314 Simpson St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 1, 2018

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 314 Simpson St is low, with a 0.01% annual chance of 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	CITY OF FLORENCE WATER DEPARTMENT serves 77,766 people · EPA ID AL0000783
Water Source	Surface water
Last State Inspection	May 2023
Lead	3 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, 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 491 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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