St. Clair County property record for 3522 River Ranch Rd, Ragland, AL 35131
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,663 sqft · built 2005 |
| Lot Size | 0.55 acres (23,795 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $250,000 (Jan 2007) |
| Deeds & Mortgages | Nov 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 22-01-12-0-000-036.000 |
| Primary APN | 22-01-12-0-000-036.000 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,663 sqft Heated Area |
| 1st Floor Area | 1,137 sqft |
| Upper Floors Area | 526 sqft |
| Flooring | Hardwood |
| Interior Walls | Wood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Fiber Cement Siding |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 23,795 sqft (0.55 acres) |
| Garage Area | 672 sqft |
| Parking Spaces | 2 Parking Spaces |
| Boat Access | Boat Access |
| Boat House | 144 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3522 RIVER RANCH RD |
|---|---|
| City | RAGLAND |
| State | AL |
| Zip | 35131-4832 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 7 BLK 1 RIVER RANCH EST 12-16-4 |
| Legal Range | 04E |
| Legal Township | 16S |
| Legal Section | 12 |
| Legal Subdivision | RIVER RANCH EST |
| Legal Block | 1 |
| Legal Lot Number | 7 |
| Jurisdiction | ST CLAIR AL |
| Township / Civil Division | RAGLAND |
| Census Block Group | 2 |
| Census Block | 2054 |
| Census Tract | 40301 |
3522 River Ranch Rd is owned and occupied by two individuals who bought it in January 2007.
Source: St. Clair County records, as of April 17, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3522 RIVER RANCH RD, RAGLAND, AL 35131-4832 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 4, 2007 · Amount on File |
| Deed Sale | Jan 4, 2007 · Amount on File |
| Deed Book / Page | 2007 / 111 |
| Prior Transfer Date | Apr 17, 2006 |
| Prior Transfer Doc | 0000004840 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CLAIR AL |
| Property Address | 3522 RIVER RANCH RD, RAGLAND, AL 35131-4832 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000045668 |
|---|---|
| Date | Nov 18, 2019 |
| Book Page | MTG 2019/45668 |
| Name | RENASANT BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35203 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Dec 1, 2034 |
Source: St. Clair County assessment roll, as of April 17, 2026
| Type | Name |
|---|---|
| State | Alabama |
| County | St. Clair County |
| Unified School District | Pell City City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $30,700 (-49.96%) | $306,780 (-) | |
| 2024 | Homeowner's exemption Disabled Person's exemption | $61,356 (+1.28%) Land $11,700 Building $49,656 | $306,780 (+1.28%) Land $58,500 Building $248,280 |
| 2023 | $60,578 Land $12,480 Building $48,098 | $302,890 Land $62,400 Building $240,490 |
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 3522 River Ranch Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective August 22, 2024 · 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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 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 risk around 3522 River Ranch Rd is moderate, ranking above 64% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 64% of the US · above 83% of Alabama |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Ragland Telephone DSL · Fiber in parts of the area | 25 / 3 |
May also be available: Verizon.
5G and 4G LTE (outdoors only)
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