3170 Co Rd 281, Five Points, AL 36855 Property Records

Chambers County property record for 3170 Co Rd 281, Five Points, AL 36855

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,475 sqft · built 1959
Lot Size	1.5 acres (65,340 sqft)
Owner	Individual Name on Record
Last Sale	$343,000 (Jan 2024)
Tax Bill	$371 (2026)
Deeds & Mortgages	Aug 2026 Line of Credit Nov 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`12-02-01-12-0-000-010.000`

Property Details

APN / Parcel Number

Primary APN	`12-02-01-12-0-000-010.000`
Alternative APNs	`0201120000010000` `440040`

Interior

Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,475 sqft Living Area
1st Floor Area	1,475 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1992
Exterior Material	Brick
Foundation Type	Brick
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	65,340 sqft (1.5 acres)
Lot Dimensions	210 ft deep x 327 ft wide
Garage Type	Carport
Garage Area	440 sqft
Carport	Carport
Carport Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	248 sqft
Utility Building	160 sqft

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	440040
Street Address	3170 COUNTY ROAD 281
City	FIVE POINTS
State	AL
Zip	36855-2869
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEG 1105'(S) W OF & 270'(S) S OF NE COR OF N 1/2 OF NE1/4, RUN S'LY327', NW'LY210' TO CO. ROAD 281, N'LY ALONG ROAD 327'(S),
Legal Range	27
Legal Township	24
Legal Section	12
Jurisdiction	CHAMBERS AL
Township / Civil Division	FIVE POINTS
Census Block Group	1
Census Block	1016
Census Tract	953800

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	31080 US HIGHWAY 431, FIVE POINTS, AL 36855-2332
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2026	Deed of Trust, Mortgage · Line of Credit ALABAMA AGENCY CREDIT FLCA
Nov 28, 2018	Deed of Trust, Mortgage HOMESTAR FIN CORP
Nov 28, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 29, 2024 · Amount on Record
Deed Sale	Jan 29, 2024 · Amount on Record
Prior Sale	Nov 28, 2018 · Amount on Record
Deed Document Number	2024354
Prior Transfer Date	Jan 25, 2024
Prior Transfer Doc	0000000354
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMBERS AL
Recording Date	Aug 26, 2026
Property Address	3170 COUNTY ROAD 281, FIVE POINTS, AL 36855-2869
Document Number	0000003924
Instrument Date	Aug 25, 2026
Instrument	20263924
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	5306 COUNTY ROAD 54, CAMP HILL, AL 36850-2674

Mortgage

Document Number	0000003924,
Date	Aug 26, 2026
Instrument	20263924

Lender

Name	ALABAMA AGENCY CREDIT FLCA

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Sep 1, 2046

Interest

Max Rate	-1%

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMBERS AL
Property Address	3170 COUNTY ROAD 281, FIVE POINTS, AL 36855-2869
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000004879
Date	Nov 28, 2018
Book Page	0000002018/0000004879

Lender

Name	HOMESTAR FIN CORP

Agreement

Amount	Amount Recorded
Term	350 Months
Due	Jan 1, 2048

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMBERS AL
Recording Date	Nov 28, 2018
Property Address	3170 COUNTY ROAD 281, FIVE POINTS, AL 36855-2869
Document Number	02018/4878
Book / Page	2018 / 4878
Instrument Date	Nov 15, 2018
Transaction Type	Transfer
Record Updated	Jan 21, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3170 COUNTY ROAD 281, FIVE POINTS, AL 36855-2869

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$371.00 (+8.48%) Homeowner's exemption
2025	$342.00	$19,432 (+99.92%) Land $1,920 Building $17,512	$97,160 (+0.06%) Land $9,600 Building $87,560
2024	$342.00 Additional exemption filed	$9,720 (-) Land $960 Building $8,760	$97,100 (-) Land $9,550 Building $87,550
2023	$342.00 Additional exemption filed	$9,720 (-) Land $960 Building $8,760	$97,100 (-) Land $9,550 Building $87,550
2022	$342.00 Additional exemption filed	$9,720 Land $960 Building $8,760	$97,100 Land $9,550 Building $87,550

Assessed value is set for property tax purposes, not a market price estimate; it is 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	1 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 54% of the US · above 67% of Alabama
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
TEC DSL	50 / 5

Cell Coverage

4G LTE only, no 5G reported

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