Lauderdale County property record for 320 Spring Cove Rd, Florence, AL 35634
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,659 sqft · built 2008 |
| Lot Size | 1.3 acres (57,064 sqft) |
| Owner | Trust Name on File |
| Last Sale | $325,000 (Oct 2023) |
| Tax Bill | $805 (2025) |
| Deeds & Mortgages | Jan 2024 Transfer Apr 2023 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-02-03-0-002-041-037 |
| Primary APN | 16-02-03-0-002-041-037 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,659 sqft Living Area |
| 1st Floor Area | 1,659 sqft |
| Flooring | Hardwood |
| Interior Walls | Wood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2008 |
|---|---|
| Exterior Material | Wood Siding |
| Foundation Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 57,064 sqft (1.3 acres) |
| Lot Dimensions | 260 ft deep x 138 ft wide |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 108688 |
|---|---|
| Street Address | 320 SPRING COVE RD |
| City | FLORENCE |
| State | AL |
| Zip | 35634-3624 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 138.81 X 260.49 IRR 1.31 AC/D PT OF W/2 OF SW/4 OF SEC 3 T2S R10W BEG @ SE INT OF CO RDS 368 & SPRING COVE RD TH SE 138.81 SW |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 03 |
| Jurisdiction | LAUDERDALE AL |
| Township / Civil Division | KILLEN |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 11603 |
320 Spring Cove Rd is owner-occupied and held in a trust since January 2025.
Source: Lauderdale County records, as of November 21, 2025
| Owner of Record | Trust Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 320 SPRING COVE RD, FLORENCE, AL 35634-3624 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 30, 2024 | Intrafamily Transfer, Transfer |
| Apr 5, 2023 | Deed of Trust, Mortgage · Line of Credit FIRST METRO BANK |
| Oct 19, 2023 | Warranty Deed, Transfer · Conventional Mortgage TRUSTMARK NATIONAL BANK |
| May 20, 2022 | Warranty Deed, Transfer |
| Sep 25, 2019 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 19, 2023 · Amount on File |
| Deed Sale | Oct 19, 2023 · Amount on File |
| Prior Sale | Jan 14, 2025 |
| Deed Document Number | 2023/44168 |
| Deed Book / Page | 2023 / 44168 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | LAUDERDALE AL |
| Recording Date | Jan 30, 2024 |
| Property Address | 320 SPRING COVE RD, FLORENCE, AL 35634-3624 |
| Document Number | 02024/2789 |
| Book / Page | 2024 / 2789 |
| Instrument Date | Jan 10, 2024 |
| Transaction Type | Transfer |
| Record Updated | Feb 14, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 320 SPRING COVE RD, FLORENCE, AL 35634-3624 |
| Name | Verified Name |
|---|---|
| Address | 320 SPRING COVE RD, FLORENCE, AL 35634-3624 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAUDERDALE AL |
| Property Address | 320 SPRING COVE RD, FLORENCE, AL 35634-3624 |
| Transaction Type | Mortgage |
| Record Updated | Nov 15, 2023 |
| Name | Verified Name |
|---|
| Document Number | 2023/13147 |
|---|---|
| Date | Apr 5, 2023 |
| Book Page | 2023/13147 |
| Name | FIRST METRO BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAUDERDALE AL |
| Recording Date | Oct 19, 2023 |
| Property Address | 320 SPRING COVE RD, FLORENCE, AL 35634-3624 |
| Document Number | 2023/44168 |
| Book / Page | 2023 / 44168 |
| Map Reference | MB 2022 PG 29004 |
| Instrument Date | Oct 18, 2023 |
| Transaction Type | Transfer |
| Record Updated | Nov 15, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 903 BRAHMA ST, ATHENS, AL 35611-3633 |
| Name | Verified Name |
|---|---|
| Address | 308 STIRRUP DR, DRIPPING SPRINGS, TX 78620-2722 |
| Document Number | 0202344171 |
|---|---|
| Date | Oct 19, 2023 |
| Instrument | 2023-44171 |
| Name | TRUSTMARK NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAUDERDALE AL |
| Recording Date | May 20, 2022 |
| Property Address | 320 SPRING COVE RD, FLORENCE, AL 35634-3624 |
| Document Number | 2022/29004 |
| Book / Page | 2022 / 29004 |
| Instrument Date | May 20, 2022 |
| Transaction Type | Transfer |
| Record Updated | Jun 8, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 731 DIXIE AVE, 731, FLORENCE, AL 35630-3324 |
| Name | Verified Name |
|---|---|
| Address | 320 SPRING COVE RD, FLORENCE, AL 35634-3624 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAUDERDALE AL |
| Recording Date | Sep 25, 2019 |
| Property Address | 320 SPRING COVE RD, FLORENCE, AL 35634-3624 |
| Document Number | 2019/41036 |
| Book / Page | 2019 / 41036 |
| Instrument Date | Sep 23, 2019 |
| Transaction Type | Transfer |
| Record Updated | May 18, 2021 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 252 CYPRESS CREEK DR, 252, FLORENCE, AL 35633-1711 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 320 SPRING COVE RD, FLORENCE, AL 35634-3624 |
The 2025 property tax bill for 320 Spring Cove Rd was $805 with exemptions applied, down 62.3% from the year before.
Source: Lauderdale County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | Alabama |
| County | Lauderdale County |
| Unified School District | Lauderdale County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $805.00 (-62.28%) Homeowner's exemption Senior Citizen's exemption | $29,360 (-51.85%) | $293,580 (-3.73%) Land $32,300 Building $261,280 |
| 2024 | $2,134.00 (+194.75%) | $60,980 (+2,017.36%) Land $6,280 Building $54,700 | $304,940 (+6.3%) Land $31,400 Building $273,540 |
| 2023 | $724.00 (-13.4%) Homeowner's exemption Senior Citizen's exemption | $2,880 (-88.05%) Land $2,880 | $286,860 (+19.03%) Land $28,800 Building $258,060 |
| 2022 | $836.00 Homeowner's exemption | $24,100 | $241,000 Land $25,000 Building $216,000 |
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.
FEMA maps place 320 Spring Cove Rd in Zone X, an area of minimal flood risk, though there have been 17 flood claims nearby since 1991.
Source: FEMA National Flood Hazard Layer, effective August 1, 2018 · 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 File median of 12 policies |
| Nearby Flood Policies | 12 in force |
| Nearby Flood Claims | 17 (1991–2010) |
| Claims Outside the SFHA | 6 of 17 |
| Most Recent Claim | May 2010 · river or lake flooding |
| Claims by Event |
|
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 risk around 320 Spring Cove Rd is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · lower than 76% of Alabama |
|---|---|
| Wildfire Likelihood | 0.05% 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.
Source: FCC Broadband Data Collection, based on 32 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| AT&T DSL | 100 / 20 |
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