Jefferson County property record for 3408 Polo Downs, Hoover, AL 35226
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 2,335 sqft · built 1992 |
| Lot Size | 0.391 acres (17,057 sqft) |
| Owner | Individual Name on File |
| Last Sale | $520,000 (Jun 2019) |
| Tax Bill | $4,362 (2025) |
| Deeds & Mortgages | Aug 2020 Mortgage Jun 2019 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 39-00-11-4-012-014.000 |
| Primary APN | 39-00-11-4-012-014.000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,335 sqft Living Area |
| Gross Area | 11,632 sqft |
| 1st Floor Area | 2,593 sqft |
| Upper Floors Area | 2,395 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Exterior Material | Brick |
| Foundation Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 17,057 sqft (0.391 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 575 sqft |
| Pool Type | In-Ground Vinyl Pool |
|---|---|
| Pool Area | 512 sqft |
| Porch | Porch |
| Porch Area | 212 sqft |
| Patio Area | 360 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 60259 |
|---|---|
| Old Parcel Number | 39114012014000RR00 |
| Street Address | 3408 POLO DOWNS |
| City | HOOVER |
| State | AL |
| Zip | 35226-3366 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LOT 10 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 | 10 |
| Jurisdiction | JEFFERSON AL |
| Township / Civil Division | HOOVER |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 14409 |
3408 Polo Downs is owned and occupied by an individual who bought it in June 2019.
Source: Jefferson County records, as of December 15, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 3408 POLO DOWNS, HOOVER, AL 35226-3366 |
| 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 |
|---|---|
| Aug 26, 2020 | Deed of Trust, Mortgage WYNDHAM VACATION RESORTS |
| Jun 17, 2019 | Warranty Deed, Transfer |
| Sep 10, 2018 | Loan Modification, Mortgage · Conventional Mortgage SERVISFIRST BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 17, 2019 · Amount on File |
| Deed Sale | Jun 17, 2019 · Amount on File |
| Prior Sale | Oct 2, 2013 · Amount on File |
| Deed Document Number | 2019059348 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JEFFERSON AL |
| Property Address | 3408 POLO DOWNS, HOOVER, AL 35226-3366 |
| Transaction Type | Mortgage |
| Record Updated | May 27, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3408 POLO DOWNS, HOOVER, AL 35226-3366 |
| Document Number | 0000093670 |
|---|---|
| Date | Aug 26, 2020 |
| Instrument | 2020093670 |
| Name | WYNDHAM VACATION RESORTS |
|---|
| Amount | Amount on Record |
|---|---|
| Term | 353 Months |
| Due | Jan 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | JEFFERSON AL |
| Recording Date | Jun 17, 2019 |
| Property Address | 3408 POLO DOWNS, HOOVER, AL 35226-3366 |
| Document Number | 0000059348 |
| Instrument Date | Jun 14, 2019 |
| Instrument | 2019059348 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3408 POLO DOWNS, HOOVER, AL 35226-3366 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | JEFFERSON AL |
| Property Address | 3408 POLO DOWNS, HOOVER, AL 35226-3366 |
| Document Number | 0000110902 |
| Instrument Date | Sep 10, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 12, 2018 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3408 POLO DOWNS HOOVER AL 352263366, HOOVER, AL 35226-3366 |
| Document Number | 0000110902 |
|---|---|
| Date | Oct 25, 2018 |
| Instrument | 110902 |
| Name | SERVISFIRST BK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35209 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 3408 Polo Downs was $4,362 with a homeowner's exemption.
Source: Jefferson County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | Alabama |
| County | Jefferson County |
| Municipality | Hoover City |
| Unified School District | Hoover City School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,362.00 Homeowner's exemption | $60,820 | $608,200 Land $130,000 Building $478,200 |
| 2023 | $60,820 Land $13,000 Building $47,820 | $608,200 Land $130,000 Building $478,200 | |
| 2022 | $3,566.00 |
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 3408 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 |
|
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 3408 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.
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 |
| 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.
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 |
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