320 Co Rd 3192, Arley, AL 35541 Property Records

Winston County property record for 320 Co Rd 3192, Arley, AL 35541

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,860 sqft · built 1989
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on File
Tax Bill	$453 (2026)
Deeds & Mortgages	Jan 2026 Line of Credit Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13036`

Property Details

APN / Parcel Number

Primary APN	`13036`
Alternative APN	`67 10 07 25 0 000 018.001`

Interior

Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,860 sqft Living Area
1st Floor Area	1,860 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1995
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	43,560 sqft (1 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	13036
Street Address	320 COUNTY ROAD 3192
City	ARLEY
State	AL
Zip	35541-3948
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM SW COR S1 2 SW-SE S25 T10 R6 TH E 157 TO POB SE 106.08 NE 101.02 N 204.16 W 202 S 204.16 TO PO LYING IN SEC 25 AND 36 T10
Legal Range	06W
Legal Township	10S
Legal Section	25
Jurisdiction	WINSTON AL
Township / Civil Division	ADDISON
Census Block Group	2
Census Block	2001
Census Tract	965503

Owner

320 Co Rd 3192 is owned and occupied by an individual who acquired it in December 2019.

Source: Winston County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	320 COUNTY ROAD 3192, ARLEY, AL 35541-3948
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.

Deeds, Mortgages & Sale History

Date	Document
Jan 15, 2026	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Mar 8, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE
Dec 13, 2019	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Dec 11, 2019
Transfer Doc	000340/195
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINSTON AL
Property Address	320 COUNTY ROAD 3192, ARLEY, AL 35541-3948
Transaction Type	Mortgage
Record Updated	Jan 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002026/323
Date	Jan 15, 2026
Book Page	2026/323

Lender

Name	FIGURE LENDING LLC
Type	Funding / Finance Company

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Feb 3, 2036

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINSTON AL
Property Address	320 COUNTY ROAD 3192, ARLEY, AL 35541-3948
Transaction Type	Mortgage
Record Updated	Mar 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	663/133
Date	Mar 8, 2021
Book Page	663/133

Lender

Name	FREEDOM MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	276 Months
Due	Feb 1, 2043

Interest

Rate Type	Fixed Rate

December 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WINSTON AL
Recording Date	Dec 13, 2019
Property Address	320 COUNTY ROAD 3192, ARLEY, AL 35541-3948
Document Number	000340/195
Book / Page	340 / 195
Instrument Date	Dec 11, 2019
Transaction Type	Transfer
Record Updated	Jan 18, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 COUNTY ROAD 3192, ARLEY, AL 35541-3948

Tax Assessment & Valuation

The 2026 property tax bill for 320 Co Rd 3192 was $453, up 4.9% from the year before.

Source: Winston County assessment roll, as of January 15, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$453.00 (+4.86%)
2025	$432.00 Additional exemption filed	$16,920 (-)	$169,000 (-) Land $6,100 Building $162,900
2024	$432.00 (+2.13%) Additional exemption filed	$16,920 (+2.05%)	$169,000 (+2.04%) Land $6,100 Building $162,900
2023	$423.00 (+11.61%) Additional exemption filed	$16,580 (+10.53%)	$165,620 (+10.53%) Land $5,900 Building $159,720
2022	$379.00 Additional exemption filed	$15,000	$149,840 Land $6,500 Building $143,340

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 320 Co Rd 3192 in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2021.

Source: FEMA National Flood Hazard Layer, effective September 16, 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	4 in force
Nearby Flood Claims	1 (2021)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2021 · other causes

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

Wildfire risk around 320 Co Rd 3192 is moderate, ranking above 51% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 51% of the US · above 61% of Alabama
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sprout Fiber Internet Fiber	2,000 / 2,000
Spectrum Fiber	1,000 / 1,000

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