Lauderdale County property record for 321 N Cedar St, Florence, AL 35630
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,585 sqft · built 2011 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $171,500 (Mar 2018) |
| Tax Bill | $814 (2025) |
| Deeds & Mortgages | Jul 2019 Mortgage Jul 2020 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-02-10-4-005-030-001 |
| Primary APN | 24-02-10-4-005-030-001 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,585 sqft Living Area |
| 1st Floor Area | 1,585 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2011 |
|---|---|
| Effective Year Built | Effective 2011 |
| Exterior Material | Fiber Cement Siding |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 96 ft deep x 80 ft wide |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 84206 |
|---|---|
| Street Address | 321 N CEDAR ST |
| City | FLORENCE |
| State | AL |
| Zip | 35630-5403 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 96.09 X 80.28 COBBLESTONE CORNER LOTS 1 & 2 LOT 2 .2 AC/C SEC 10 T3S R11W PB 7 PG 203 |
| Legal Range | 11W |
| Legal Township | 03S |
| Legal Section | 10 |
| Legal Subdivision | COBBLESTONE CORNER LOTS 1 & 2 |
| Legal Lot Number | 1-2 |
| Jurisdiction | LAUDERDALE AL |
| Township / Civil Division | FLORENCE |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 10200 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Locust Street Historic District listed 2002 · 168 contributing resources · NRIS 02001065 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
321 N Cedar St is owned and occupied by two individuals who bought it in March 2018.
Source: Lauderdale County records, as of November 24, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 321 N CEDAR ST, FLORENCE, AL 35630-5403 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Ux (and Wife) |
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 |
|---|---|
| Jul 2, 2019 | Deed of Trust, Mortgage · Conventional Mortgage FIRST SOUTHERN BANK |
| Jul 15, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FIRST SOUTHERN BANK |
| May 12, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIRST SOUTHERN BANK |
| Mar 22, 2018 | Survivorship Deed, Transfer · Conventional Mortgage BANK INDEPENDENT |
| Oct 4, 2017 | Survivorship Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 22, 2018 · Amount on File |
| Deed Sale | Mar 22, 2018 · Amount on File |
| Prior Sale | Oct 4, 2017 · Amount on File |
| Deed Book / Page | 2018 / 11114 |
| Prior Transfer Date | Jul 29, 2011 |
| Prior Transfer Doc | 2017/44495 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAUDERDALE AL |
| Property Address | 321 N CEDAR ST, FLORENCE, AL 35630-5403 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2022 |
| Name | Verified Name |
|---|
| Document Number | 2019/27079 |
|---|---|
| Date | Jul 2, 2019 |
| Book Page | 2019/27079 |
| Name | FIRST SOUTHERN BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAUDERDALE AL |
| Property Address | 321 N CEDAR ST, FLORENCE, AL 35630-5403 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2022 |
| Name | Verified Name |
|---|
| Document Number | 2020/34738 |
|---|---|
| Date | Jul 15, 2020 |
| Book Page | 2020/34738 |
| Name | FIRST SOUTHERN BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAUDERDALE AL |
| Property Address | 321 N CEDAR ST, FLORENCE, AL 35630-5403 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2022 |
| Name | Verified Name |
|---|
| Document Number | 2021/30347 |
|---|---|
| Date | May 12, 2021 |
| Book Page | 2021/30347 |
| Name | FIRST SOUTHERN BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
| Document Type | Survivorship Deed |
|---|---|
| Jurisdiction | LAUDERDALE AL |
| Recording Date | Mar 22, 2018 |
| Property Address | 321 N CEDAR ST, FLORENCE, AL 35630-5403 |
| Document Number | 2018/11114 |
| Book / Page | 2018 / 11114 |
| Instrument Date | Mar 21, 2018 |
| Transaction Type | Transfer |
| Record Updated | Jun 8, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 601 LONDONDARY RD, 601, FLORENCE, AL 35630-1856 |
| Name | Verified Name |
|---|---|
| Address | 321 N CEDAR ST, FLORENCE, AL 35630-5403 |
| Document Number | 2018/11116 |
|---|---|
| Date | Mar 22, 2018 |
| Book Page | 2018/11116 |
| Name | BANK INDEPENDENT |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2048 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Survivorship Deed |
|---|---|
| Jurisdiction | LAUDERDALE AL |
| Recording Date | Oct 4, 2017 |
| Property Address | 321 N CEDAR ST, FLORENCE, AL 35630-5403 |
| Document Number | 2017/44495 |
| Book / Page | 2017 / 44495 |
| Instrument Date | Jul 29, 2011 |
| Transaction Type | Transfer |
| Record Updated | Jun 8, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 321 N CEDAR ST, FLORENCE, AL 35630-5403 |
The 2025 property tax bill for 321 N Cedar St was $814 with a homeowner's exemption.
Source: Lauderdale County assessment roll, as of November 24, 2025
| Type | Name |
|---|---|
| State | Alabama |
| County | Lauderdale County |
| Municipality | Florence City |
| Unified School District | Florence City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $814.00 Homeowner's exemption | $17,940 | $179,440 Land $7,800 Building $171,640 |
| 2023 | $874.00 (+33.44%) Homeowner's exemption | $780 (-94.69%) Land $780 | $191,560 (+30.4%) Land $7,800 Building $183,760 |
| 2022 | $655.00 Homeowner's exemption | $14,700 | $146,900 Land $7,800 Building $139,100 |
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.
FEMA maps place 321 N Cedar St in Zone X, an area of minimal flood risk.
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 risk around 321 N Cedar 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 236 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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