3540 Pepper Ridge Dr, Mobile, AL 36693 Property Records

Mobile County property record for 3540 Pepper Ridge Dr, Mobile, AL 36693

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,516 sqft · built 1987
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on File
Last Sale	$185,000 (May 2025)
Tax Bill	$801 (2025)
Deeds & Mortgages	Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R023305152000063193`

Property Details

APN / Parcel Number

Primary APN	`R023305152000063193`
Alternative APNs	`33 05 15 2 000 063.193` `02047519` `2047519`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,516 sqft Living Area
1st Floor Area	1,516 sqft
Utility Room	Utility Room
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1998
Exterior Material	Stucco
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	43,560 sqft (1 acres)
Porch	Slab
Porch Area	16 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	2047519
Street Address	3540 PEPPER RIDGE DR
City	MOBILE
State	AL
Zip	36693-2555
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 16 PEPPER RIDGE UNIT 1 MBK 40 PG 102 #SEC 15 T5S R2W #MP33 05 15 2 000
Legal Range	05S
Legal Township	05S
Legal Section	15
Legal Subdivision	PEPPER RIDGE
Legal Lot Number	16
Legal Unit	1
Jurisdiction	MOBILE AL
Township / Civil Division	MOBILE
Census Block Group	2
Census Block	2005
Census Tract	3712

Owner

3540 Pepper Ridge Dr is owned and occupied by an individual who bought it in May 2025.

Source: Mobile County records, as of September 15, 2026

Owner of Record	Individual Name on File
Mailing Address	3540 PEPPER RIDGE DR, MOBILE, AL 36693-2555
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 21, 2025 · Amount on File
Deed Sale	May 21, 2025 · Amount on File
Prior Sale	Oct 8, 2020 · Amount on File
Deed Document Number	202531656
Record Updated	Oct 29, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MOBILE AL
Recording Date	Oct 8, 2020
Property Address	3540 PEPPER RIDGE DR, MOBILE, AL 36693-2555
Document Number	0000062179
Map Reference	MB 40 PG 102
Instrument Date	Oct 5, 2020
Instrument	2020062179
Transaction Type	Transfer
Record Updated	Jul 15, 2022
Title Company	SLT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3516 RUE ROYAL, 3516, MOBILE, AL 36693-2520

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	3540 PEPPER RIDGE DR, MOBILE, AL 36693-2555
Investor	Possibly a Property Investor

Mortgage

Document Number	0000062180
Date	Oct 8, 2020
Instrument	2020062180

Lender

Name	FIRST COMMUNITY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 3540 Pepper Ridge Dr was $801 with a homeowner's exemption.

Source: Mobile County assessment roll, as of September 15, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$801.00 Homeowner's exemption	$13,520 (-) Land $2,400 Building $11,120	$135,200 (-) Land $24,000 Building $111,200
2024	$801.00 (+35.76%) Homeowner's exemption	$13,520 (+32.55%) Land $2,400 Building $11,120	$135,200 (+32.55%) Land $24,000 Building $111,200
2023	$590.00 Homeowner's exemption	$10,200 Land $2,600 Building $7,600	$102,000 Land $26,000 Building $76,000

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

FEMA maps place 3540 Pepper Ridge Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 1, 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 10 (0% premium discount)
Nearby Flood Policies	5 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

Wildfire risk around 3540 Pepper Ridge Dr is moderate, ranking above 55% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 55% of the US · above 68% of Alabama
Wildfire Likelihood	0.1% 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	MOBILE COUNTY WATER & FIRE PRO AUTHORITY serves 39,573 people · EPA ID AL0001002
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jan 2018
Treatment and Procedure	None last 10 years
Monitoring and Reporting	29 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 360 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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