315 Simpson St, Florence, AL 35630 Property Records

Lauderdale County property record for 315 Simpson St, Florence, AL 35630

Property Summary

Property Type	Single Family Home
Details	1 ba · 984 sqft · built 1950
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on File
Last Sale	$99,900 (Mar 2020)
Tax Bill	$990 (2025)
Deeds & Mortgages	Dec 2017 Mortgage Mar 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`24-02-03-4-004-021-000`

Property Details

APN / Parcel Number

Primary APN	`24-02-03-4-004-021-000`
Alternative APNs	`095549` `50788` `95549`

Interior

Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	984 sqft Living Area
1st Floor Area	984 sqft
Flooring	Hardwood
Interior Walls	Plaster

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Exterior Material	Other
Foundation Type	Retaining Wall
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	9,583 sqft (0.22 acres)
Lot Dimensions	192 ft deep x 50 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	95549
Street Address	315 SIMPSON ST
City	FLORENCE
State	AL
Zip	35630-2304
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	50 X 192 CITY OF FLORENCE SD BLK 433 LOT 4 .22 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 0433
Legal Block	433
Legal Lot Number	4
Jurisdiction	LAUDERDALE AL
Township / Civil Division	FLORENCE
Census Block Group	2
Census Block	2028
Census Tract	10600

Owner

315 Simpson St is owned by two individuals who bought it in March 2020.

Source: Lauderdale County records, as of October 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	710 COUNTY ROAD 25, KILLEN, AL 35645-6206
Owner Type	Individual
Vesting	Et Al (and Others)

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
Dec 15, 2017	Deed of Trust, Mortgage · Conventional Mortgage FIRST METRO BANK
Mar 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK INDEPENDENT
Mar 3, 2020	Survivorship Deed, Transfer · Conventional Mortgage WELLS FARGO BANK
Nov 16, 2017	Warranty Deed, Transfer
Nov 16, 2017	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 3, 2020 · Amount on File
Deed Sale	Mar 3, 2020 · Amount on File
Prior Sale	Nov 16, 2017 · Amount on File
Deed Book / Page	2020 / 8718
Prior Transfer Date	Oct 24, 2017
Prior Transfer Doc	2017/50583
Record Updated	Oct 29, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAUDERDALE AL
Property Address	315 SIMPSON ST, FLORENCE, AL 35630-2304
Transaction Type	Mortgage
Record Updated	Jul 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017/55520
Date	Dec 15, 2017
Book Page	2017/55520

Lender

Name	FIRST METRO BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAUDERDALE AL
Property Address	315 SIMPSON ST, FLORENCE, AL 35630-2304
Transaction Type	Mortgage
Record Updated	Jul 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02020/8976
Date	Mar 3, 2020
Book Page	2020/8976

Lender

Name	BANK INDEPENDENT
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Mar 1, 2040

Interest

Rate Type	Fixed Rate

March 2020: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	LAUDERDALE AL
Recording Date	Mar 3, 2020
Property Address	315 SIMPSON ST, FLORENCE, AL 35630-2304
Document Number	02020/8718
Book / Page	2020 / 8718
Map Reference	MB 1 PG 137
Instrument Date	Feb 28, 2020
Transaction Type	Transfer
Record Updated	Jul 15, 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	401 GALLATIN WAY, 401, FLORENCE, AL 35634-4080

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	354 HIGHLAND DR, LOS OSOS, CA 93402-3714

Mortgage

Document Number	0020208720
Date	Mar 3, 2020
Instrument	2020/8720

Lender

Name	WELLS FARGO BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAUDERDALE AL
Recording Date	Nov 16, 2017
Property Address	315 SIMPSON ST, FLORENCE, AL 35630-2304
Document Number	2017/50585
Book / Page	2017 / 50585
Instrument Date	Nov 14, 2017
Transaction Type	Transfer
Record Updated	Jul 15, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1825 EDGEMONT DR, 1825, FLORENCE, AL 35630-2514

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 GALLATIN WAY, FLORENCE, AL 35634-4080
Investor	Possibly a Property Investor

November 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAUDERDALE AL
Recording Date	Nov 16, 2017
Property Address	315 SIMPSON ST, FLORENCE, AL 35630-2304
Document Number	2017/50583
Book / Page	2017 / 50583
Instrument Date	Oct 24, 2017
Transaction Type	Transfer
Record Updated	Jul 15, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1825 EDGEMONT DR, 1825, FLORENCE, AL 35630-2514

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	541 EUGENIA ST, FLORENCE, AL 35630-2306
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 315 Simpson St was $990, down 2.3% from the year before.

Source: Lauderdale County assessment roll, as of November 24, 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	$990.00 (-2.27%)	$20,220 (-2.22%)	$101,120 (-2.22%) Land $6,700 Building $94,420
2024	$1,013.00 (+11.93%)	$20,680 (+1,968%) Land $1,100 Building $19,580	$103,420 (+11.9%) Land $5,500 Building $97,920
2023	$905.00 (+16.62%)	$1,000 (-93.69%) Land $1,000	$92,420 (+16.69%) Land $5,000 Building $87,420
2022	$776.00	$15,840	$79,200 Land $5,400 Building $73,800

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

FEMA maps place 315 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 315 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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