3520 River Bend Rd, Mountain Brook (Birmingham), AL 35243 Property Records

Jefferson County property record for 3520 River Bend Rd, Mountain Brook, AL 35243

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 4,088 sqft · built 1979
Lot Size	3 acres (130,680 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,144,000 (Dec 2014)
Tax Bill	$6,196 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`28-00-14-2-001-012.000`

Property Details

APN / Parcel Number

Primary APN	`28-00-14-2-001-012.000`
Alternative APNs	`28142001012000RR01` `365169`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	14 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	1 Story
Building Area	4,088 sqft Living Area
Gross Area	6,560 sqft
1st Floor Area	2,618 sqft
Upper Floors Area	1,470 sqft
Basement Area	2,472 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1983
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	130,680 sqft (3 acres)
Lot Dimensions	760 ft deep x 212 ft wide

Exterior Amenities

Pool Area	730 sqft
Porch	Open Porch
Porch Area	186 sqft
Deck Area	Deck Area
Patio Area	522 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	365169
Street Address	3520 RIVER BEND RD
City	MOUNTAIN BRK
State	AL
Zip	35243-4832
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-A
Legal Description	LOT 3 BLK 2 RIVER BEND 80/67 ALSO PT OF LOT 4 & A TRACT BEING DESC AS FOLS COM NLY COR SD LOT 4 TH S 10.9 FT TO POB TH SE 235 FT TH SW 78 FT TH NW 214 FT TH NWLY 29.3 FT TH NE 10 FT TH SE 14 FT TO POB
Legal Range	02W
Legal Township	18S
Legal Section	14
Legal Subdivision	RIVER BEND
Legal Block	2
Legal Lot Number	3,4
Jurisdiction	JEFFERSON AL
Township / Civil Division	BIRMINGHAM
Census Block Group	2
Census Block	2014
Census Tract	12804

Owner

Source: Jefferson County records, as of September 10, 2026

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	3520 RIVER BEND RD, MOUNTAIN BRK, AL 35243-4832
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 10, 2014 · Amount on Record
Deed Sale	Dec 10, 2014 · Amount on Record
Prior Sale	Jul 23, 2003 · Amount on Record
Deed Document Number	20141125930
Deed Book / Page	201418 / 26862
Prior Transfer Date	Dec 26, 2002
Prior Transfer Doc	2002005807
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON AL
Recording Date	Aug 31, 2026
Property Address	3520 RIVER BEND RD, MOUNTAIN BRK, AL 35243-4832
Document Number	0000080187
Instrument Date	Aug 13, 2026
Instrument	202680187
Transaction Type	Mortgage
Record Updated	Sep 10, 2026
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3520 RIVER BEND RD, MOUNTAIN BRK, AL 35243-4832

Mortgage

Document Number	0000080187,
Date	Aug 31, 2026
Instrument	202680187

Lender

Name	BANK OF AMERICA

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 13, 2056

Interest

Max Rate	-1%

Tax Assessment & Valuation

Source: Jefferson County assessment roll, as of March 16, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,196.00 (-5.62%) Senior Citizen's exemption	$60,720 (-)	$724,100 (-) Land $303,600 Building $420,500
2023		$60,720 Land $25,459 Building $35,261	$724,100 Land $303,600 Building $420,500
2022	$6,565.00

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.

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force

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 45% of the US · above 50% of Alabama
Wildfire Likelihood	0.09% 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 99 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20