Jefferson County property record for 3432 Polo Downs, Hoover, AL 35226
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 4,263 sqft · built 1992 |
| Lot Size | 0.394 acres (17,172 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $3,501 (2025) |
| Deeds & Mortgages | Oct 2026 Mortgage Jul 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 39-00-11-4-008-024.010 |
| Primary APN | 39-00-11-4-008-024.010 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 4,263 sqft Living Area |
| Gross Area | 8,081 sqft |
| 1st Floor Area | 2,705 sqft |
| Upper Floors Area | 1,558 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 | 17,172 sqft (0.394 acres) |
| Lot Dimensions | 159 ft deep x 108 ft wide |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Porch | Porch |
| Porch Area | 483 sqft |
| Patio Area | 384 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 60147 |
|---|---|
| Old Parcel Number | 39114008024010RR00 |
| Street Address | 3432 POLO DOWNS |
| City | HOOVER |
| State | AL |
| Zip | 35226-3367 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LOT 44 BLK C POLO TRACE 24/72 |
| Legal Range | 03W |
| Legal Township | 19S |
| Legal Section | 11 |
| Legal Quarter | SE |
| Legal Subdivision | POLO TRACE |
| Legal Block | C |
| Legal Lot Number | 44 |
| Jurisdiction | JEFFERSON AL |
| Township / Civil Division | HOOVER |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 14409 |
Source: Jefferson County records, as of December 15, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3432 POLO DOWNS, HOOVER, AL 35226-3367 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 13, 2026 | Deed of Trust, Mortgage · VA Mortgage MORTGAGE MORTGAGE |
| Jul 30, 2021 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE |
| Dec 23, 2016 | Deed of Trust, Mortgage · VA Mortgage SUN WEST MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JEFFERSON AL |
| Recording Date | Oct 13, 2026 |
| Property Address | 3432 POLO DOWNS, HOOVER, AL 35226-3367 |
| Document Number | 0000093675 |
| Instrument Date | Oct 5, 2026 |
| Instrument | 202693675 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 3432 POLO DOWNS, HOOVER, AL 35226-3367 |
| Document Number | 0000093675, |
|---|---|
| Date | Oct 13, 2026 |
| Instrument | 202693675 |
| Name | MORTGAGE MORTGAGE |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JEFFERSON AL |
| Property Address | 3432 POLO DOWNS, HOOVER, AL 35226-3367 |
| Transaction Type | Mortgage |
| Record Updated | Aug 30, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3432 POLO DOWNS, HOOVER, AL 35226-3367 |
| Document Number | 2021088048 |
|---|---|
| Date | Jul 30, 2021 |
| Instrument | 2021088048 |
| Name | FREEDOM MORTGAGE |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JEFFERSON AL |
| Property Address | 3432 POLO DOWNS, HOOVER, AL 35226-3367 |
| Document Number | 0000000448 |
| Instrument Date | Dec 23, 2016 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2017 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE OFS |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3432 POLO DOWNS HOOVER AL 352263367, HOOVER, AL 35226-3367 |
| Document Number | 0000000448 |
|---|---|
| Date | Jan 4, 2017 |
| Instrument | 448 |
| Name | SUN WEST MTG |
|---|---|
| Type | Mortgage Company |
| Address | CERRITOS, CA 90703 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 3, 2047 |
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 | $3,501.00 Senior Citizen's exemption | $53,380 (-) | $641,000 (-) Land $136,100 Building $504,900 |
| 2023 | $53,380 Land $11,334 Building $42,046 | $641,000 Land $136,100 Building $504,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 99.8% of Alabama |
|---|---|
| Wildfire Likelihood | Under 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 | 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 270 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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