344 Chesser Loop Cir, Chelsea, AL 35043 Property Records

Shelby County property record for 344 Chesser Loop Cir, Chelsea, AL 35043

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,261 sqft · built 2016
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on Record
Last Sale	$299,900 (Dec 2020)
Tax Bill	$1,547 (2026)
Deeds & Mortgages	Jun 2026 Line of Credit Dec 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`098270006021000`

Property Details

APN / Parcel Number

Primary APN	`098270006021000`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	2,261 sqft Heated Area
1st Floor Area	1,782 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Fiber Cement Siding
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	6,098 sqft (0.14 acres)
Lot Dimensions	88.6 ft deep x 79 ft wide
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	344 CHESSER LOOP CIR
City	CHELSEA
State	AL
Zip	35043-8343
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEC/TWNSHP/RAN 27 19S 01W NBRHD: 17 CHELSEA FOOTHILLS / COTTAGES R-2
Legal Range	01W
Legal Township	19S
Legal Section	27
Legal Subdivision	COTTAGES AT CHESSER PH 2 AMENDED COTTAGE
Legal Lot Number	115
Jurisdiction	SHELBY AL
Township / Civil Division	CHELSEA
Census Block Group	1
Census Block	1027
Census Tract	30215

Owner

Source: Shelby County records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	344 CHESSER LOOP CIR, CHELSEA, AL 35043-8343
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2026	Deed of Trust, Mortgage · Line of Credit SOUTHERN PINE CREDIT UNION
Dec 29, 2017	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Dec 16, 2020	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 16, 2020 · Amount on Record
Deed Sale	Dec 16, 2020 · Amount on Record
Prior Sale	Mar 11, 2015 · Amount on Record
Deed Document Number	2020578080
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY AL
Recording Date	Jun 15, 2026
Property Address	344 CHESSER LOOP CIR, CHELSEA, AL 35043-8343
Document Number	0000187200
Instrument Date	Jun 9, 2026
Instrument	2026187200
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	344 CHESSER LOOP CIR, CHELSEA, AL 35043-8343

Mortgage

Document Number	0000187200,
Date	Jun 15, 2026
Instrument	2026187200

Lender

Name	SOUTHERN PINE CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jun 10, 2046

Interest

Rate	6.36%
Max Rate	-1%

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY AL
Property Address	344 CHESSER LOOP CIR, CHELSEA, AL 35043-8343
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000463590
Date	Dec 29, 2017
Instrument	20171229000463590

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	TROY, MI 48083

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2048

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHELBY AL
Recording Date	Dec 16, 2020
Property Address	344 CHESSER LOOP CIR, CHELSEA, AL 35043-8343
Document Number	0000578080
Instrument Date	Dec 8, 2020
Instrument	578080
Transaction Type	Transfer
Record Updated	Dec 30, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$300.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6997 SPRING LN TRUSSVILLE AL 35173, TRUSSVILLE, AL 35173

Tax Assessment & Valuation

Source: Shelby County assessment roll, as of April 21, 2026

Property Jurisdictions

Type	Name
State	Alabama
County	Shelby County
Municipality	Chelsea City
Unified School District	Shelby County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,547.00 (-2.46%) Homeowner's exemption
2025	$1,586.00 (+3.52%)	$36,060 (+0.84%)	$360,600 (+0.84%) Land $75,000 Building $285,600
2023	$1,532.00 Homeowner's exemption	$35,760	$357,600 Land $75,000 Building $282,600

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.

Flood

Source: FEMA National Flood Hazard Layer, effective January 23, 2026 · 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	5 in force
Nearby Flood Claims	1 (2022)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jan 2022 · other causes

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

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

Wildfire Risk	Moderate above 40% of the US · lower than 66% of Alabama
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	SHELBY COUNTY COMMISSION-WATER SERVICES serves 40,101 people · EPA ID AL0001671
Water Source	Surface water
Last State Inspection	Apr 2025
Lead	Under 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	None 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 218 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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