3769 River Ridge Cir, Mountain Brook (Birmingham), AL 35223 Property Records

Jefferson County property record for 3769 River Ridge Cir, Mountain Brook, AL 35223

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,530 sqft · built 1965
Lot Size	0.696 acres (30,349 sqft)
Owner	Individual Name on Record
Last Sale	$571,500 (Jan 2025)
Tax Bill	$10,568 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Jan 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`28-00-11-3-001-026.000`

Property Details

APN / Parcel Number

Primary APN	`28-00-11-3-001-026.000`
Alternative APNs	`28113001026000RR00` `364607`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,530 sqft Living Area
Gross Area	3,250 sqft
1st Floor Area	1,530 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1986
Exterior Material	Wood
Foundation Type	Wood
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	30,349 sqft (0.696 acres)
Patio Area	190 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	364607
Old Parcel Number	28113001026000RR00
Street Address	3769 RIVER RIDGE CIR
City	MOUNTAIN BRK
State	AL
Zip	35223-2853
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	LOT 11 OVERTON ROAD ESTATES 1ST SECTOR
Legal Range	02W
Legal Township	18S
Legal Section	11
Legal Quarter	SW
Legal Subdivision	OVERTON RD EST-1 28-11-3
Legal Lot Number	11
Jurisdiction	JEFFERSON AL
Township / Civil Division	BIRMINGHAM
Census Block Group	1
Census Block	1014
Census Tract	10804

Owner

Source: Jefferson County records, as of December 15, 2025

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
Co-owner	Co-owner on Record
Mailing Address	3769 RIVER RIDGE CIR, MOUNTAIN BRK, AL 35223-2853
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 3, 2026	Deed of Trust, Mortgage · Conventional Mortgage SOUTHSTATE BANK N A
Jan 20, 2021	Warranty Deed, Transfer ATTORNEY ONLY
Jan 4, 2017	Deed of Trust, Mortgage · Line of Credit JP MORGAN CHASE BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 3, 2025 · Amount on Record
Deed Sale	Jan 3, 2025 · Amount on Record
Prior Sale	Jan 30, 2001 · Amount on Record
Deed Document Number	2025000713
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON AL
Property Address	3769 RIVER RIDGE CIR, MOUNTAIN BRK, AL 35223-2853
Transaction Type	Mortgage
Record Updated	May 11, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3769 RIVER RIDGE CIR, MOUNTAIN BRK, AL 35223-2853
Investor	Possibly a Property Investor

Mortgage

Document Number	0000017866
Date	Mar 3, 2026
Instrument	2026017866

Lender

Name	SOUTHSTATE BANK N A

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Type Change Date	Apr 1, 2020

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON AL
Recording Date	Jan 20, 2021
Property Address	3769 RIVER RIDGE CIR, MOUNTAIN BRK, AL 35223-2853
Document Number	0000007788
Instrument Date	Jan 15, 2021
Instrument	7788
Transaction Type	Transfer
Record Updated	Feb 19, 2021
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$25.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2405 LST AVE S BIRMINGHAM AL 35233, BIRMINGHAM, AL 35233

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON AL
Property Address	3769 RIVER RIDGE CIR, MOUNTAIN BRK, AL 35223-2853
Document Number	0000003044
Instrument Date	Jan 4, 2017
Transaction Type	Mortgage
Record Updated	Aug 20, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3769 RIVER RIDGE CIR MOUNTAIN BROOK AL 352232853, MOUNTAIN BROOK, AL 35223-2853

Mortgage

Document Number	0000003044
Date	Jan 11, 2017
Instrument	3044

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	420 Months
Due	Jan 10, 2052

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

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	$10,568.00 (+178.69%)	$96,960 (+195.61%)	$484,800 (+47.8%) Land $300,000 Building $184,800
2023		$32,800 Land $18,130 Building $14,670	$328,000 Land $181,300 Building $146,700
2022	$3,792.00

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	4 (1979–2004)
Claims Outside the SFHA	3 of 4
Most Recent Claim	Jul 2004 · ground movement

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 46% of the US · above 51% 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	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 166 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

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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