3740 Charmwood Dr, Millbrook, AL 36054 Property Records

Elmore County property record for 3740 Charmwood Dr, Millbrook, AL 36054

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,180 sqft · built 1960
Lot Size	5.23 acres (227,819 sqft)
Owner	Individual Name on Record
Last Sale	$70,000 (Apr 2019)
Tax Bill	$282 (2025)
Deeds & Mortgages	Oct 2020 Line of Credit Apr 2019 Sale & Mortgage + 1 more
Flood Zone	Zone AH (high risk)
APN	`26-02-10-0-002-029.000`

Property Details

APN / Parcel Number

Primary APN	`26-02-10-0-002-029.000`
Alternative APN	`15540`

Interior

Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,180 sqft Living Area
1st Floor Area	1,180 sqft

Exterior

Year Built	Built 1960
Exterior Material	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Asphalt
Lot Area	227,819 sqft (5.23 acres)
Terrain	Other
Garage Area	1,200 sqft
Parking Spaces	5 Parking Spaces
Porch	Open Porch
Porch Area	368 sqft
Canopy	500 sqft

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Account Number	15540
Old Parcel Number	2602100002029000
Street Address	3740 CHARMWOOD DR
City	MILLBROOK
State	AL
Zip	36054-3940
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	5.23 AC: COM AT NW COR OF SEC 10 T17 R17; E 256'; S 1212.2' TO BEG; E 315.28'; S 540.65'; W 414.59'; N 557.98'; E 100' TO POB
Legal Range	17
Legal Township	17N
Legal Section	10
Jurisdiction	ELMORE AL
Township / Civil Division	ELMORE
Census Block Group	3
Census Block	3028
Census Tract	31300

Owner

Source: Elmore County records, as of March 18, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	3020 GREEN FOREST CT, MILLBROOK, AL 36054-3928
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 19, 2020	Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY BANK OF CENTRAL ALABAMA
Apr 3, 2019	Warranty Deed, Transfer · ARM CADENCE BANK NA
Apr 3, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 26, 2019 · Amount on Record
Deed Sale	Apr 26, 2019 · Amount on Record
Deed Document Number	MLS-445505
Deed Book / Page	2019 / 15240
Prior Transfer Date	Apr 3, 2019
Prior Transfer Doc	0201915240
Record Updated	Jun 8, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELMORE AL
Property Address	3740 CHARMWOOD DR, MILLBROOK, AL 36054-3940
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3020 GREEN FOREST CT, MILLBROOK, AL 36054-3928

Mortgage

Document Number	2020/75879
Date	Oct 19, 2020
Book Page	2020/75879

Lender

Name	FIRST COMMUNITY BANK OF CENTRAL ALABAMA
Type	Bank
Address	36095

Agreement

Type	Line of Credit
Amount	Amount Recorded

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ELMORE AL
Recording Date	Apr 3, 2019
Property Address	3740 CHARMWOOD DR, MILLBROOK, AL 36054-3940
Document Number	2019/15240
Book / Page	2019 / 15240
Instrument Date	Apr 1, 2019
Transaction Type	Transfer
Record Updated	Mar 3, 2022

Transaction

Amount	Amount Recorded
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	3740 CHARMWOOD DR, 3740, MILLBROOK, AL 36054-3940

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3020 GREEN FOREST CT, MILLBROOK, AL 36054-3928

Mortgage

Document Number	0201915244
Date	Apr 3, 2019
Instrument	2019/15244

Lender

Name	CADENCE BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2034

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Type Change Date	May 1, 2022
Change Frequency	Annually
Min Rate At Change	4.5%
Max Rate At Change	7.25%
Index	1-Year CMT
Max Rate	11.2%

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ELMORE AL
Recording Date	Apr 3, 2019
Property Address	3740 CHARMWOOD DR, MILLBROOK, AL 36054-3940
Document Number	2019/15240
Book / Page	2019 / 15240
Instrument Date	Apr 1, 2019
Transaction Type	Transfer
Record Updated	Feb 6, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3740 CHARMWOOD DR, 3740, MILLBROOK, AL 36054-3940

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3020 GREEN FOREST CT, MILLBROOK, AL 36054-3928

Tax Assessment & Valuation

Source: Elmore County assessment roll, as of January 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$282.00 (+6.82%)	$9,400 (+6.82%)	$94,820 (+7.85%) Land $42,320 Building $52,500
2024	$264.00 (+62.96%)	$8,800 (-18.4%)	$87,920 (+63.06%) Land $42,320 Building $45,600
2023	$162.00 (+30.65%)	$10,784 (-8.61%) Land $8,464 Building $2,320	$53,920 (-8.61%) Land $42,320 Building $11,600
2022	$124.00	$11,800 Land $10,000 Building $1,800	$59,000 Land $50,000 Building $9,000

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

Source: FEMA National Flood Hazard Layer, effective February 20, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AH high risk · shallow ponding 1–3 ft
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 76 policies
Nearby Flood Policies	76 in force
Nearby Flood Claims	6 (1990–2015)
Claims Outside the SFHA	1 of 6
Most Recent Claim	Dec 2015 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Dec 2015 · 2 claims Severe Storms, Tornadoes, Flooding, And Straight-line Winds, May 2009 · 2 claims

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	Low lower than 67% of the US · lower than 85% of Alabama
Wildfire Likelihood	0.02% 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	TRI COMMUNITY WATER SYSTEM serves 11,832 people · EPA ID AL0000549
Water Source	Purchased surface water from several systems
Last State Inspection	Nov 2024
Lead	Under 1 ppb (2023–2025) 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 157 locations within half a mile, as of December 31, 2025

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

May also be available: Central Access.

Cell Coverage

5G (outdoors only) and 4G LTE

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