319 River Rock Dr, Madison, AL 35756 Property Records

Madison County property record for 319 River Rock Dr, Madison, AL 35756

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,080 sqft · built 2019
Lot Size	0.179 acres (7,837 sqft)
Owner	Individual Name on Record
Last Sale	$267,000 (Mar 2021)
Tax Bill	$2,217 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Mar 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`25-05-16-0-000-003.199`

Property Details

APN / Parcel Number

Primary APN	`25-05-16-0-000-003.199`
Alternative APN	`565560`

Interior

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

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	7,837 sqft (0.179 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	565560
Street Address	319 RIVER ROCK DR
City	MADISON
State	AL
Zip	35756-6901
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 154 RIVERS LANDING PH 3 PB# 2018-55870
Legal Range	02W
Legal Township	05S
Legal Section	16
Legal Subdivision	RIVERS LANDING PH 3
Legal Lot Number	154
Jurisdiction	MADISON AL
Township / Civil Division	TRIANA
Census Block Group	2
Census Block	2004
Census Tract	11203

Owner

Source: Madison County records, as of July 17, 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	319 RIVER ROCK DR, MADISON, AL 35756-6901
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 9, 2026	Deed of Trust, Mortgage · VA Mortgage SWIFT HOME LOANS INC
Mar 8, 2021	Warranty Deed, Transfer · VA Mortgage VANDERBILT MORTGAGE & FINANCE INC
Oct 28, 2019	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage DHI MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 8, 2021 · Amount on Record
Deed Sale	Mar 8, 2021 · Amount on Record
Prior Sale	Oct 28, 2019 · Amount on Record
Deed Document Number	202118918
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON AL
Recording Date	Jul 9, 2026
Property Address	319 RIVER ROCK DR, MADISON, AL 35756-6901
Document Number	2026149300
Book / Page	2026 / 149300
Instrument Date	Mar 30, 2026
Transaction Type	Mortgage
Record Updated	Jul 17, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	319 RIVER ROCK DR, MADISON, AL 35756-6901

Mortgage

Document Number	2026149300,
Date	Jul 9, 2026
Book Page	2026/149300

Lender

Name	SWIFT HOME LOANS INC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	5.98%
Max Rate	-1%

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON AL
Recording Date	Mar 8, 2021
Property Address	319 RIVER ROCK DR, MADISON, AL 35756-6901
Document Number	202100018918
Map Reference	DOC 2018-55870
Instrument Date	Feb 24, 2021
Instrument	2021-00018918
Transaction Type	Transfer
Record Updated	Nov 22, 2021

Transaction

Amount	Amount Recorded
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	134 SAGE OAK DR, 134, DECATUR, AL 35603-7522

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	319 RIVER ROCK DR, MADISON, AL 35756-6901

Mortgage

Document Number	202100018919
Date	Mar 8, 2021
Instrument	2021-00018919

Lender

Name	VANDERBILT MORTGAGE & FINANCE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Mar 1, 2041

October 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON AL
Recording Date	Oct 28, 2019
Property Address	319 RIVER ROCK DR, MADISON, AL 35756-6901
Document Number	0000070221
Instrument Date	Oct 25, 2019
Instrument	70221
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 4, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$235.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	319 RIVER ROCK DR MADISON AL 357566901, MADISON, AL 35756-6901

Mortgage

Document Number	70222
Date	Oct 28, 2019
Instrument	70222

Lender

Name	DHI MTG
Type	Mortgage Company
Address	AUSTIN, TX 78750

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 27, 2049

Tax Assessment & Valuation

Source: Madison County assessment roll, as of November 17, 2025

Property Jurisdictions

Type	Name
State	Alabama
County	Madison County
Municipality	Triana City
Unified School District	Madison County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,217.00 (+23.58%) Homeowner's exemption	$36,840 (+22.96%) Land $6,000 Building $30,840	$368,400 (+22.96%) Land $60,000 Building $308,400
2023	$1,794.00 (+17.56%) Homeowner's exemption	$29,960 (+17.03%) Land $6,000 Building $23,960	$299,600 (+17.03%) Land $60,000 Building $239,600
2022	$1,526.00 Homeowner's exemption	$25,600 Land $5,500 Building $20,100	$256,000 Land $55,000 Building $201,000

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 September 16, 2026 · 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
Flood Insurance Cost	Premium on Record median of 19 policies
Nearby Flood Policies	19 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	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	TRIANA WATER WORKS serves 7,038 people · EPA ID AL0000905
Water Source	Purchased surface water from HUNTSVILLE UTILITIES WATER DEPT.
Last State Inspection	Feb 2026
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	9 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 630 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250

May also be available: Google Fiber.

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