Etowah County property record for 3550 Ray St, Hokes Bluff, AL 35903
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,930 sqft · built 1974 |
| Lot Size | 0.459 acres (20,000 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $483 (2026) |
| Deeds & Mortgages | Dec 2017 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-06-14-0-001-208.000 |
| Primary APN | 14-06-14-0-001-208.000 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,930 sqft Living Area |
| 1st Floor Area | 1,930 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 20,000 sqft (0.459 acres) |
| Lot Dimensions | 200 ft deep x 100 ft wide |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 133816 |
|---|---|
| Street Address | 3550 RAY ST |
| City | GADSDEN |
| State | AL |
| Zip | 35903-4807 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | H/S BASE YEAR - LT 3 SUNRAY PINES PLAT I-3 14-12-7 1224-385,1352-569,D-1996-0015,D-2005-0953 |
| Legal Range | 7E |
| Legal Township | 12S |
| Legal Section | 14 |
| Legal Subdivision | SUNRAY PINES |
| Legal Lot Number | 3 |
| Jurisdiction | ETOWAH AL |
| Township / Civil Division | HOKES BLUFF |
| Census Block Group | 3 |
| Census Block | 3043 |
| Census Tract | 10601 |
3550 Ray St is owned and occupied by an individual.
Source: Etowah County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3550 RAY ST, GADSDEN, AL 35903-4807 |
| 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 | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ETOWAH AL |
| Property Address | 3550 RAY ST, HOKES BLUFF, AL 35903-4807 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 3460176 |
|---|---|
| Date | Dec 6, 2017 |
| Instrument | 3460176 |
| Name | FIRST EQUITY HOME LOAN INC |
|---|---|
| Type | Non-Lending Institution |
| Address | GADSDEN, AL 35901 |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 3550 Ray St was $483 with a homeowner's exemption, down 13.3% from the year before.
Source: Etowah County assessment roll, as of June 23, 2026
| Type | Name |
|---|---|
| State | Alabama |
| County | Etowah County |
| Municipality | Hokes Bluff City |
| Unified School District | Etowah County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $483.00 (-13.29%) Homeowner's exemption | ||
| 2025 | $557.00 Homeowner's exemption | $14,800 Land $1,180 Building $13,620 | $147,800 Land $11,700 Building $136,100 |
| 2023 | $557.00 (+17.02%) Homeowner's exemption | $14,780 (+15.47%) Land $1,170 Building $13,610 | $147,800 (+15.47%) Land $11,700 Building $136,100 |
| 2022 | $476.00 Homeowner's exemption | $12,800 Land $1,170 Building $11,630 | $128,000 Land $11,700 Building $116,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3550 Ray St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective March 21, 2019 · 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 | 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 3550 Ray St is moderate, ranking above 60% 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 60% of the US · above 78% 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: EPA Safe Drinking Water Information System, as of September 2026
| Water System | HOKES BLUFF WATER BOARD serves 5,536 people · EPA ID AL0000581 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2024 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 60 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
May also be available: T-Mobile, Xfinity.
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