320 Cambridge Dr, Florence, AL 35633 Property Records

Lauderdale County property record for 320 Cambridge Dr, Florence, AL 35633

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,803 sqft · built 2018
Lot Size	0.22 acres (9,583 sqft)
Owner	Individual Name on Record
Last Sale	$293,000 (Nov 2025)
Tax Bill	$1,053 (2025)
Deeds & Mortgages	May 2018 Mortgage Nov 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`15-05-22-0-003-005-000`

Property Details

APN / Parcel Number

Primary APN	`15-05-22-0-003-005-000`
Alternative APNs	`092884` `20485` `92884`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,803 sqft Living Area
1st Floor Area	1,644 sqft
2nd Floor Area	159 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	9,583 sqft (0.22 acres)
Lot Dimensions	175 ft deep x 50 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	92884
Street Address	320 CAMBRIDGE DR
City	FLORENCE
State	AL
Zip	35633-7828
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	50 X 198 IRR CLOVERDALE HGTS RESURVEY BLKS 4 & 7 AND PT OF BLKS 3,5 & 6 BLK 15 W/2 OF LOT 8 SEC 22 T2S R11W PB 4 PG 74 SEC 22
Legal Range	11W
Legal Township	02S
Legal Section	22
Legal Subdivision	CLOVERDALE HEIGHTS
Legal Block	4,7,3
Legal Lot Number	8
Jurisdiction	LAUDERDALE AL
Township / Civil Division	FLORENCE
Census Block Group	2
Census Block	2002
Census Tract	11101

Owner

Source: Lauderdale County records, as of March 31, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	320 CAMBRIDGE DR, FLORENCE, AL 35633-7828
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
May 15, 2018	Deed of Trust, Mortgage · Conventional Mortgage TRUSTMARK NATIONAL BANK
Nov 3, 2025	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Jun 6, 2018	Warranty Deed, Transfer
May 14, 2018	Warranty Deed, Transfer · Conventional Mortgage TRUSTMARK NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 3, 2025 · Amount on Record
Deed Sale	Nov 3, 2025 · Amount on Record
Prior Sale	Jun 6, 2018 · Amount on Record
Record Updated	Jun 8, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAUDERDALE AL
Property Address	320 CAMBRIDGE DR, FLORENCE, AL 35633-7828
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2018/20188
Date	May 15, 2018
Book Page	2018/20188

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jun 1, 2028

Interest

Rate Type	Fixed Rate

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAUDERDALE AL
Recording Date	Nov 3, 2025
Property Address	320 CAMBRIDGE DR, FLORENCE, AL 35633-7828
Document Number	2025/53119
Book / Page	2025 / 53119
Map Reference	MB 4 PG 74
Instrument Date	Oct 31, 2025
Transaction Type	Transfer
Record Updated	Nov 19, 2025

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	90 OLD BROMPTON LN, KILLEN, AL 35645-8639

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 CAMBRIDGE DR, FLORENCE, AL 35633-7828

Mortgage

Document Number	0202553123
Date	Nov 3, 2025
Instrument	2025-53123

Lender

Name	GUILD MORTGAGE CO

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Mortgage

Document Number	2025/53123
Date	Nov 3, 2025
Book Page	2025/53123

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2055

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAUDERDALE AL
Recording Date	Jun 6, 2018
Property Address	320 CAMBRIDGE DR, FLORENCE, AL 35633-7828
Document Number	2018/23587
Book / Page	2018 / 23587
Instrument Date	May 17, 2018
Transaction Type	Transfer
Record Updated	Jun 8, 2022

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1551 FLORENCE BLVD, 1551, FLORENCE, AL 35630-2761

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4059 HIGHWAY 43 S, SAINT JOSEPH, TN 38481-5107

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAUDERDALE AL
Recording Date	May 14, 2018
Property Address	320 CAMBRIDGE DR, FLORENCE, AL 35633-7828
Document Number	2018/20083
Book / Page	2018 / 20083
Instrument Date	May 11, 2018
Transaction Type	Transfer
Record Updated	Apr 2, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	50 COUNTY ROAD 357, FLORENCE, AL 35633-7845

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0201820085
Date	May 14, 2018
Instrument	2018/20085

Lender

Name	TRUSTMARK NATIONAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Lauderdale County assessment roll, as of November 24, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,053.00 (-1.5%) Homeowner's exemption	$30,320 (-1.49%)	$303,240 (-1.47%) Land $3,800 Building $299,440
2024	$1,069.00 (+6.05%) Homeowner's exemption	$30,780 (+8,952.94%) Land $380 Building $30,400	$307,760 (+6.04%) Land $3,700 Building $304,060
2023	$1,008.00 (+19.01%) Homeowner's exemption	$340 (-98.61%) Land $340	$290,240 (+18.95%) Land $3,400 Building $286,840
2022	$847.00 Homeowner's exemption	$24,420	$244,000 Land $3,900 Building $240,100

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 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · lower than 66% of Alabama
Wildfire Likelihood	0.05% 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	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 114 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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