St. Clair County property record for 385 Ray Ln, Ashville, AL 35953
| Property Type | Mobile Home |
|---|---|
| Details | 1 ba · 1,280 sqft · built 1998 |
| Lot Size | 12.9 acres (561,924 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $255,000 (Nov 2022) |
| Tax Bill | $146 (2025) |
| Deeds & Mortgages | Aug 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-01-11-0-001-027.000 |
| Primary APN | 12-01-11-0-001-027.000 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Building Area | 1,280 sqft Base Area |
| 1st Floor Area | 1,280 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Mobile Home |
| Exterior Material | Brick |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 561,924 sqft (12.9 acres) |
| Total Buildings | 2 Buildings |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 00037800 |
|---|---|
| Street Address | 385 RAY LN |
| City | ASHVILLE |
| State | AL |
| Zip | 35953-7248 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Legal Description | S 373.33' OF N 746.66' OF SW4; LYING W OF CANOE CR EEK & E O F UN-NAMED PUBLIC ROAD SEC 11, T 14S, R 3E DEED BK 129 PAG E 42 |
| Legal Range | 03E |
| Legal Township | 14S |
| Legal Section | 11 |
| Legal Subdivision | PEACEFUL MEADOWS |
| Jurisdiction | ST CLAIR AL |
| Township / Civil Division | ASHVILLE |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 40401 |
Source: St. Clair County records, as of August 4, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 385 RAY LN, ASHVILLE, AL 35953-7248 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 14, 2022 · Amount on Record |
| Deed Sale | Nov 14, 2022 · Amount on Record |
| Deed Book / Page | 2022 / 15989 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CLAIR AL |
| Property Address | 385 RAY LN, ASHVILLE, AL 35953-7248 |
| Transaction Type | Mortgage |
| Record Updated | Sep 14, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000031261 |
|---|---|
| Date | Aug 31, 2023 |
| Book Page | MTG 2023/31261 |
| Name | AMERICAS FIRST FCU |
|---|---|
| Type | Credit Union |
| Address | BIRMINGHAM, AL 35203 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5% |
| Type Change Date | Sep 1, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 3% |
| Max Rate At Change | 7% |
| Index | 1-Year T-Bill |
| Max Rate | 11% |
Source: St. Clair County assessment roll, as of August 4, 2026
| Type | Name |
|---|---|
| State | Alabama |
| County | St. Clair County |
| Unified School District | St. Clair County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $146.00 (-81.66%) | $33,740 (-46.23%) | $313,740 (-) |
| 2023 | $62,748 Land $17,700 Building $45,048 | $313,740 Land $88,500 Building $225,240 | |
| 2022 | $796.00 |
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.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 9 in force |
| Nearby Flood Claims | 1 (2014) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Apr 2014 · rainfall accumulation |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 64% of the US · above 84% 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 2 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
| Windstream DSL | 100 / 20 |
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