320 W Bluff St, Florence, AL 35630 Property Records

Lauderdale County property record for 320 W Bluff St, Florence, AL 35630

Property Summary

Property Type	Vacant Land
Details	856 sqft · built 1955
Lot Size	0.31 acres (13,504 sqft)
Owner	Individual Name on File
Last Sale	$164,500 (Feb 2021)
Tax Bill	$70 (2025)
Deeds & Mortgages	Feb 2021 Sale & Mortgage Apr 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`24-05-15-4-002-004-000`

Property Details

APN / Parcel Number

Primary APN	`24-05-15-4-002-004-000`
Alternative APNs	`096011` `55166` `96011`

Interior

Total Rooms	4 Rooms
Stories	1 Story
Building Area	856 sqft
1st Floor Area	856 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Exterior Material	Wood
Lot Area	13,504 sqft (0.31 acres)
Lot Dimensions	150 ft deep x 90 ft wide
Garage Area	546 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	96011
Street Address	320 W BLUFF ST
City	FLORENCE
State	AL
Zip	35630-6158
Property Category	Vacant Land
Property Type	Vacant Land > Uncategorized
Local Zoning Code	02
Legal Description	108.58 X 160S IRR RIVERWOOD BLK 5 PT OF LOT 7 .31 AC/C SEC 15 T3S R11W PB 2 PG 77
Legal Range	11W
Legal Township	03S
Legal Section	15
Legal Subdivision	RIVERWOOD ADD
Legal Block	5
Legal Lot Number	7
Jurisdiction	LAUDERDALE AL
Township / Civil Division	FLORENCE
Census Block Group	2
Census Block	2009
Census Tract	10200

Owner

320 W Bluff St, vacant land, is owned by an individual who bought it in February 2021.

Source: Lauderdale County records, as of November 21, 2025

Owner of Record	Individual Name on File
Mailing Address	208 MEADOWCREST DR, FLORENCE, AL 35630-1430
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
Feb 1, 2021	Warranty Deed, Transfer · Conventional Mortgage TVA COMMUNITY CU
Apr 25, 2019	Warranty Deed, Transfer · Commercial Mortgage FIRST SOUTHERN BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 1, 2021 · Amount on File
Deed Sale	Feb 1, 2021 · Amount on File
Prior Sale	Apr 25, 2019
Deed Document Number	0020215960
Deed Book / Page	2021 / 5960
Record Updated	Jun 8, 2026

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAUDERDALE AL
Recording Date	Feb 1, 2021
Property Address	320 W BLUFF ST, FLORENCE, AL 35630-6158
Document Number	02021/5960
Book / Page	2021 / 5960
Map Reference	MB 2 PG 77
Instrument Date	Jan 29, 2021
Transaction Type	Transfer
Record Updated	May 14, 2024

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1650 COUNTRY CLUB DR, KILLEN, AL 35645-2810

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 W BLUFF ST, FLORENCE, AL 35630-6158

Mortgage

Document Number	202105963202105963
Date	Feb 1, 2021
Instrument	2021/05963202105963

Lender

Name	TVA COMMUNITY CU

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAUDERDALE AL
Recording Date	Apr 25, 2019
Property Address	320 W BLUFF ST, FLORENCE, AL 35630-6158
Document Number	2019/16375
Book / Page	2019 / 16375
Instrument Date	Apr 18, 2019
Transaction Type	Transfer
Record Updated	May 14, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1656 COUNTRY CLUB DR, KILLEN, AL 35645-2810

Mortgage

Document Number	2019/16377
Date	Apr 25, 2019
Book Page	2019/16377

Lender

Name	FIRST SOUTHERN BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 320 W Bluff St was $70, up 6.1% from the year before.

Source: Lauderdale County assessment roll, as of January 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$70.00 (+6.06%)	$1,440 (+5.88%)	$8,400 (+23.53%) Land $8,400
2024	$66.00	$1,360 (-) Land $1,360	$6,800 (-) Land $6,800
2023	$66.00	$1,360 (-) Land $1,360	$6,800 (-) Land $6,800
2022	$66.00	$1,360	$6,800 Land $6,800

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 320 W Bluff St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	4 (1990–1991)
Most Recent Claim	Dec 1991 · river or lake flooding

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 W Bluff St is low, with a 0.01% annual chance of 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	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 48 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: T-Mobile.

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