315 Cusseta Rd, Valley, AL 36854 Property Records

Chambers County property record for 315 Cusseta Rd, Valley, AL 36854

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,350 sqft · built 1942
Lot Size	6.5 acres (283,140 sqft)
Owner	Individual Name on Record
Last Sale	$88,000 (Jan 2017)
Tax Bill	$390 (2026)
Deeds & Mortgages	Aug 2014 Mortgage Oct 2018 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`12-17-06-24-2-001-002.000`

Property Details

APN / Parcel Number

Primary APN	`12-17-06-24-2-001-002.000`
Alternative APNs	`1706242001002000` `427050`

Interior

Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,350 sqft Living Area
1st Floor Area	1,350 sqft
Basement Area	1,350 sqft
Flooring	Carpet
Interior Walls	Finished/Painted

Exterior

Year Built	Built 1942
Effective Year Built	Effective 1986
Exterior Material	Concrete Block
Foundation Type	Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	283,140 sqft (6.5 acres)
Garage Type	Mixed
Garage Area	576 sqft
Parking Spaces	7 Parking Spaces
Porch	Slab
Porch Area	198 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	427050
Street Address	315 CUSSETA RD
City	VALLEY
State	AL
Zip	36854-4604
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	START AT INT OF E LINE OF SE1/4 OF NW1/4 & NE MARGIN OF CUSSETA ROAD, RUN NW'LY ALONG ROAD 51'(S) TO P.O.B., RUN NW'LY ALONG
Legal Range	28
Legal Township	21
Legal Section	24
Jurisdiction	CHAMBERS AL
Township / Civil Division	VALLEY
Census Block Group	4
Census Block	4012
Census Tract	954300

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Fairfax Historic District listed 1999 · 377 contributing resources · NRIS 99001177

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	Individual Name on Record
Mailing Address	315 CUSSETA RD, VALLEY, AL 36854-4604
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 5, 2014	Deed of Trust, Mortgage · Conventional Mortgage EMBRACE HOME LOANS INC
Oct 19, 2018	Deed of Trust, Mortgage ALBAMA HOUSING FIN
Oct 19, 2018	Deed of Trust, Mortgage ALBAMA HOUSING FIN
Jan 12, 2017	Warranty Deed, Transfer · Conventional Mortgage AUBURNBANK
Nov 8, 2012	Trustee's Deed, Foreclosure · Conventional Mortgage CHARTER BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 12, 2017 · Amount on Record
Deed Sale	Jan 12, 2017 · Amount on Record
Prior Sale	Nov 8, 2012 · Amount on Record
Deed Document Number	2017150
Prior Transfer Date	Oct 4, 2012
Prior Transfer Doc	0020123912
Record Updated	Oct 29, 2026

August 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMBERS AL
Property Address	315 CUSSETA RD, VALLEY, AL 36854-4604
Transaction Type	Mortgage
Record Updated	Apr 2, 2026
Title Company	EQUITY NATIONAL TITLE AND CLOSING, EQUITY NATIONAL TITLE & CLSO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020142533
Date	Aug 5, 2014
Instrument	2014-2533

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 1, 2029

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMBERS AL
Property Address	315 CUSSETA RD, VALLEY, AL 36854-4604
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020184552
Date	Oct 19, 2018
Instrument	2018-4552

Lender

Name	ALBAMA HOUSING FIN

Agreement

Amount	Amount Recorded

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMBERS AL
Property Address	315 CUSSETA RD, VALLEY, AL 36854-4604
Transaction Type	Mortgage
Record Updated	Nov 15, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20184552
Date	Oct 19, 2018
Instrument	2018-4552

Lender

Name	ALBAMA HOUSING FIN

Agreement

Amount	Amount Recorded

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMBERS AL
Recording Date	Jan 12, 2017
Property Address	315 CUSSETA RD, VALLEY, AL 36854-4604
Document Number	0020170150
Instrument Date	Jan 4, 2017
Instrument	2017-0150
Transaction Type	Transfer
Record Updated	Jan 21, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$29.25
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	749 LEE ROAD 252, 749, OPELIKA, AL 36804

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 CUSSETA RD, VALLEY, AL 36854-4604

Mortgage

Document Number	0020170151
Date	Jan 12, 2017
Instrument	2017-0151

Lender

Name	AUBURNBANK
Type	Bank
Address	AUBURN, AL 36830

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2047

November 2012: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	CHAMBERS AL
Recording Date	Nov 8, 2012
Property Address	315 CUSSETA RD, VALLEY, AL 36854-4604
Document Number	0020123912
Instrument Date	Oct 4, 2012
Instrument	2012-3912
Transaction Type	Foreclosure
Record Updated	Apr 2, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	315 CUSSETA RD, VALLEY, AL 36854-4604

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 CUSSETA RD, VALLEY, AL 36854-4604

Mortgage

Document Number	0020123913
Date	Nov 8, 2012
Instrument	2012-3913

Lender

Name	CHARTER BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2042

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$390.00 (+8.03%) Homeowner's exemption
2025	$361.00 (+8.41%)	$12,546 (+32.06%) Land $2,650 Building $9,896	$125,460 (+32.15%) Land $26,500 Building $98,960
2024	$333.00 Additional exemption filed	$9,500 (-) Land $2,480 Building $7,020	$94,940 (-) Land $24,770 Building $70,170
2023	$333.00 (-6.46%) Additional exemption filed	$9,500 (-5.57%) Land $2,480 Building $7,020	$94,940 (-5.59%) Land $24,770 Building $70,170
2022	$356.00 Additional exemption filed	$10,060 Land $2,480 Building $7,580	$100,560 Land $24,770 Building $75,790

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	2 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 42% of the US · above 43% of Alabama
Wildfire Likelihood	0.06% 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 214 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
WOW Internet, Cable & Phone Cable	1,200 / 50
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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