Lauderdale County property record for 315 Smith St, Florence, AL 35630
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 1,479 sqft · built 1958 |
| Lot Size | 0.258 acres (11,250 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $490 (2025) |
| Deeds & Mortgages | Feb 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-03-07-2-001-006-000 |
| Primary APN | 23-03-07-2-001-006-000 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,479 sqft Living Area |
| 1st Floor Area | 1,479 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1958 |
|---|---|
| Exterior Material | Brick |
| Foundation Type | Retaining Wall |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 11,250 sqft (0.258 acres) |
| Lot Dimensions | 150 ft deep x 75 ft wide |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 41761 |
|---|---|
| Street Address | 315 SMITH ST |
| City | FLORENCE |
| State | AL |
| Zip | 35630-4052 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 |
| Legal Description | 75 X 150 CITY OF FLORENCE BLK 776 LOT 6 AND S/2 LOT 7 FI 98-121 FR 08 |
| Legal Range | 10W |
| Legal Township | 03S |
| Legal Section | 07 |
| Legal Subdivision | CITY OF FLORENCE BLOCK 0776 |
| Legal Block | 776 |
| Legal Lot Number | 6-7 |
| Jurisdiction | LAUDERDALE AL |
| Township / Civil Division | FLORENCE |
| Census Block Group | 1 |
| Census Block | 1040 |
| Census Tract | 10800 |
315 Smith St is owned and occupied by an individual.
Source: Lauderdale County records, as of November 21, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 315 SMITH ST, FLORENCE, AL 35630-4052 |
| Occupancy | Owner Occupied |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAUDERDALE AL |
| Property Address | 315 SMITH ST, FLORENCE, AL 35630-4052 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2020/4282 |
|---|---|
| Date | Feb 3, 2020 |
| Book Page | 2020/4282 |
| Name | ALABAMA CENTRAL CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Feb 1, 2035 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 315 Smith St was $490 with a homeowner's exemption, up 8.2% from the year before.
Source: Lauderdale County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | Alabama |
| County | Lauderdale County |
| Municipality | Florence City |
| Unified School District | Florence City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $490.00 (+8.17%) Homeowner's exemption | $11,320 (+6.99%) | $115,460 (+9.25%) Land $7,000 Building $108,460 |
| 2024 | $453.00 (+13.53%) Homeowner's exemption | $10,580 (+1,789.29%) Land $620 Building $9,960 | $105,680 (+11.83%) Land $6,100 Building $99,580 |
| 2023 | $399.00 (+26.27%) Homeowner's exemption | $560 (-92.8%) Land $560 | $94,500 (+21.62%) Land $5,600 Building $88,900 |
| 2022 | $316.00 Homeowner's exemption | $7,780 | $77,700 Land $6,300 Building $71,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 315 Smith 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 risk around 315 Smith St is low, with a 0.02% 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 | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 287 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
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