3401 Polo Downs, Hoover (Birmingham), AL 35226 Property Records

Jefferson County property record for 3401 Polo Downs, Hoover, AL 35226

Property Summary

Property Type	Single Family Home
Details	6 bd · 5 ba · 2,778 sqft · built 1991
Owner	2 Individual Names on File
Tax Bill	$3,905 (2025)
Deeds & Mortgages	Oct 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`39-00-11-4-012-001.000`

Property Details

APN / Parcel Number

Primary APN	`39-00-11-4-012-001.000`
Alternative APNs	`39114012001000RR00` `60246`

Interior

Bedrooms	6 Beds
Full Baths	5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	1 Story
Building Area	2,778 sqft Living Area
Gross Area	12,310 sqft
1st Floor Area	2,022 sqft
Upper Floors Area	1,512 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1995
Exterior Material	Other
Foundation Type	Wood
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Dimensions	135 ft deep x 46.5 ft wide
Terrain	Rolling
Porch	Porch
Porch Area	222 sqft
Patio Area	497 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	60246
Old Parcel Number	39114012001000RR00
Street Address	3401 POLO DOWNS
City	HOOVER
State	AL
Zip	35226-3370
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 13 BLK A POLO TRACE 24/72
Legal Range	03W
Legal Township	19S
Legal Section	11
Legal Quarter	SE
Legal Subdivision	POLO TRACE
Legal Block	A
Legal Lot Number	13
Jurisdiction	JEFFERSON AL
Township / Civil Division	HOOVER
Census Block Group	1
Census Block	1010
Census Tract	14409

Owner

3401 Polo Downs is owned and occupied by two individuals.

Source: Jefferson County records, as of December 15, 2025

Owner of Record	2 Individual Names on File
Mailing Address	3401 POLO DOWNS, HOOVER, AL 35226-3370
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Jun 8, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON AL
Property Address	3401 POLO DOWNS, HOOVER, AL 35226-3370
Document Number	0000117755
Instrument Date	Oct 30, 2017
Transaction Type	Mortgage
Record Updated	Nov 21, 2017
Title Company	DATA SEARCH INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3401 POLO DOWNS HOOVER AL 352263370, HOOVER, AL 35226-3370

Mortgage

Document Number	0000117755
Date	Nov 15, 2017
Instrument	117755

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Nov 14, 2042

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 3401 Polo Downs was $3,905 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Alabama
County	Jefferson County
Municipality	Hoover City
Unified School District	Hoover City School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,905.00 Homeowner's exemption	$54,520	$545,200 Land $130,000 Building $415,200
2023		$54,520 Land $13,000 Building $41,520	$545,200 Land $130,000 Building $415,200
2022	$3,234.00

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

Flood

FEMA maps place 3401 Polo Downs in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 1990.

Source: FEMA National Flood Hazard Layer, effective March 13, 2025 · 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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	11 (1990–2021)
Claims Outside the SFHA	4 of 11
Most Recent Claim	Oct 2021 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Oct 2021 · 6 claims

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 3401 Polo Downs is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 95% of the US · lower than 98.7% of Alabama
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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	CENTRAL ALABAMA WATER serves 653,322 people · EPA ID AL0000738
Water Source	Surface water
Last State Inspection	Mar 2025
Lead	1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 223 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Verizon Fixed Wireless	1,000 / 75
Spectrum Cable	1,000 / 35