Lauderdale County property record for 3309 Palm St, Florence, AL 35630
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,056 sqft · built 1997 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | Individual Name on File |
| Last Sale | $125,000 (Jun 2021) |
| Tax Bill | $509 (2025) |
| Deeds & Mortgages | May 2019 Mortgage Jun 2021 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-03-06-2-006-024-001 |
| Primary APN | 23-03-06-2-006-024-001 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,056 sqft Living Area |
| 1st Floor Area | 1,056 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1997 |
|---|---|
| Exterior Material | Vinyl |
| Foundation Type | Retaining Wall |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 7,841 sqft (0.18 acres) |
| Lot Dimensions | 125 ft deep x 63 ft wide |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 98437 |
|---|---|
| Street Address | 3309 PALM ST |
| City | FLORENCE |
| State | AL |
| Zip | 35630-2844 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 |
| Legal Description | 62.5 X 125 RESURVEY OF LOTS 31-35 BLK 42 FOURTH ADD TO WEEDEN HEIGHTS LOT 2 .18 AC/C PB 6 PG 235 SEC 06 T3S R10W |
| Legal Range | 10W |
| Legal Township | 03S |
| Legal Section | 06 |
| Legal Subdivision | WEEDEN HEIGHTS |
| Legal Block | 42 |
| Legal Lot Number | 31-35,2 35 |
| Jurisdiction | LAUDERDALE AL |
| Township / Civil Division | FLORENCE |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 10800 |
3309 Palm St is owned and occupied by an individual who bought it in June 2021.
Source: Lauderdale County records, as of November 21, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 3309 PALM ST, FLORENCE, AL 35630-2844 |
| 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.
| Date | Document |
|---|---|
| May 2, 2019 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF FRANKLIN |
| Jun 29, 2021 | Warranty Deed, Transfer · Conventional Mortgage GENEVA FINANCIAL LLC |
| May 3, 2019 | Warranty Deed, Transfer |
| Nov 13, 2018 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 29, 2021 · Amount on File |
| Deed Sale | Jun 29, 2021 · Amount on File |
| Prior Sale | May 3, 2019 |
| Deed Document Number | 0202140865 |
| Deed Book / Page | 2021 / 40865 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAUDERDALE AL |
| Property Address | 3309 PALM ST, FLORENCE, AL 35630-2844 |
| Transaction Type | Mortgage |
| Record Updated | Nov 10, 2023 |
| Name | Verified Name |
|---|
| Document Number | 2019/17620 |
|---|---|
| Date | May 2, 2019 |
| Book Page | 2019/17620 |
| Name | BANK OF FRANKLIN |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAUDERDALE AL |
| Recording Date | Jun 29, 2021 |
| Property Address | 3309 PALM ST, FLORENCE, AL 35630-2844 |
| Document Number | 2021/40865 |
| Book / Page | 2021 / 40865 |
| Map Reference | MB 6 PG 235 |
| Instrument Date | Jun 15, 2021 |
| Transaction Type | Transfer |
| Record Updated | Nov 10, 2023 |
| 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 | 16031 KYLE MORAN DR, ATHENS, AL 35614-5165 |
| Name | Verified Name |
|---|
| Document Number | 202140877202140877 |
|---|---|
| Date | Jun 29, 2021 |
| Instrument | 2021/40877202140877 |
| Name | GENEVA FINANCIAL LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Number | 2021/40877 |
|---|---|
| Date | Jun 29, 2021 |
| Book Page | 2021/40877 |
| Name | GENEVA FINANCIAL LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jul 1, 2031 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAUDERDALE AL |
| Recording Date | May 3, 2019 |
| Property Address | 3309 PALM ST, FLORENCE, AL 35630-2844 |
| Document Number | 2019/17770 |
| Book / Page | 2019 / 17770 |
| Instrument Date | Apr 25, 2019 |
| Transaction Type | Transfer |
| Record Updated | Nov 10, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 509 WILHITE ST, FLORENCE, AL 35630-6233 |
| Name | Verified Name |
|---|---|
| Address | 3309 PALM ST, FLORENCE, AL 35630-2844 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAUDERDALE AL |
| Recording Date | Nov 13, 2018 |
| Property Address | 3309 PALM ST, FLORENCE, AL 35630-2844 |
| Document Number | 2018/48703 |
| Book / Page | 2018 / 48703 |
| Instrument Date | Nov 7, 2018 |
| Transaction Type | Transfer |
| Record Updated | Nov 10, 2023 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1600 SDOUGLAS RD, ANAHEIM, CA 92806 |
| Name | Verified Name |
|---|---|
| Address | 509 WHITE ST, FLORENCE, AL 35630 |
The 2025 property tax bill for 3309 Palm St was $509 with a homeowner's exemption.
Source: Lauderdale County assessment roll, as of January 1, 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 | $509.00 Homeowner's exemption | $11,720 | $119,740 Land $5,500 Building $114,240 |
| 2023 | $415.00 (+26.52%) Homeowner's exemption | $440 (-94.51%) Land $440 | $98,040 (+22.4%) Land $4,400 Building $93,640 |
| 2022 | $328.00 Homeowner's exemption | $8,020 | $80,100 Land $4,900 Building $75,200 |
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 3309 Palm St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2019.
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 |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (2019) |
| Most Recent Claim | Aug 2019 · 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 risk around 3309 Palm St is low, with a 0.02% 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 | 0.02% 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 212 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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