Mobile County property record for 3908 Terry Ln, Mobile, AL 36605
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,872 sqft · built 1967 |
| Lot Size | 0.457 acres (19,944 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $104,900 (Jun 2018) |
| Tax Bill | $699 (2025) |
| Deeds & Mortgages | Mar 2024 Mortgage Jun 2018 Sale & Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | R023211400002002 |
| Primary APN | R023211400002002 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,872 sqft Living Area |
| 1st Floor Area | 1,872 sqft |
| Flooring | Laminate Plank |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1967 |
|---|---|
| Effective Year Built | Effective 1967 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 19,944 sqft (0.457 acres) |
| Garage Type | Mixed |
| Garage Area | 864 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Slab |
| Porch Area | 160 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1040929 |
|---|---|
| Street Address | 3908 TERRY LN |
| City | MOBILE |
| State | AL |
| Zip | 36605-4526 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 12 TERRYDALE SUB MBK 8 P 204 #SEC 40 T5S R1W #MP32 11 40 0 002 |
| Legal Range | 05S |
| Legal Township | 05S |
| Legal Section | 40 |
| Legal Subdivision | TERRYDALE |
| Legal Lot Number | 12 |
| Jurisdiction | MOBILE AL |
| Township / Civil Division | MOBILE |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 1901 |
3908 Terry Ln is owned and occupied by two individuals who bought it in June 2018.
Source: Mobile County records, as of September 15, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3908 TERRY LN, MOBILE, AL 36605-4526 |
| 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.
| Date | Document |
|---|---|
| Mar 26, 2024 | Deed of Trust, Mortgage · FHA Mortgage MUTUAL OF OMAHA MORTGAGE INC |
| Jun 29, 2018 | Warranty Deed, Transfer · FHA Mortgage BANK OF ENGLAND |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 29, 2018 · Amount on File |
| Deed Sale | Jun 29, 2018 · Amount on File |
| Prior Sale | Sep 4, 2015 · Amount on File |
| Deed Document Number | 201837603 |
| Deed Book / Page | 7654 / 178 |
| Prior Transfer Date | Sep 2, 2015 |
| Prior Transfer Doc | 0000046402 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MOBILE AL |
| Property Address | 3908 TERRY LN, MOBILE, AL 36605-4526 |
| Transaction Type | Mortgage |
| Record Updated | Apr 11, 2024 |
| Name | Verified Name |
|---|---|
| Address | 3908 TERRY LN, MOBILE, AL 36605-4526 |
| Document Number | 0000017639 |
|---|---|
| Date | Mar 26, 2024 |
| Instrument | 2024017639 |
| Name | MUTUAL OF OMAHA MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | 3131 CAMINO DEL RIO N STE 1100, SAN DIEGO, CA 92108 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MOBILE AL |
| Recording Date | Jun 29, 2018 |
| Property Address | 3908 TERRY LN, MOBILE, AL 36605-4526 |
| Document Number | 0000037603 |
| Book / Page | 007654 / 000178 |
| Instrument Date | Jun 27, 2018 |
| Instrument | 37603 |
| Transaction Type | Transfer |
| Record Updated | Feb 28, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 3908 TERRY LN MOBILE AL 366054526, MOBILE, AL 36605-4526 |
| Document Number | 37604 |
|---|---|
| Date | Jun 29, 2018 |
| Book Page | 007654/000181 |
| Instrument | 37604 |
| Name | BANK OF ENGLAND |
|---|---|
| Type | Bank |
| Address | LITTLE ROCK, AR 72201 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 28, 2048 |
The 2025 property tax bill for 3908 Terry Ln was $699 with a homeowner's exemption, up 4.6% from the year before.
Source: Mobile County assessment roll, as of September 15, 2026
| Type | Name |
|---|---|
| State | Alabama |
| County | Mobile County |
| Municipality | Mobile City |
| Unified School District | Mobile County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $699.00 (+4.64%) Homeowner's exemption | $11,900 (+4.48%) Land $1,350 Building $10,550 | $119,000 (+4.48%) Land $13,500 Building $105,500 |
| 2024 | $668.00 (+6.37%) Homeowner's exemption | $11,390 (+5.76%) Land $1,350 Building $10,040 | $113,900 (+5.76%) Land $13,500 Building $100,400 |
| 2023 | $628.00 Homeowner's exemption | $10,770 Land $1,350 Building $9,420 | $107,700 Land $13,500 Building $94,200 |
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.
FEMA maps place 3908 Terry Ln in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 143 policies |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 143 in force |
| Nearby Flood Claims | 185 (1979–2020) |
| Claims Outside the SFHA | 52 of 185 |
| Most Recent Claim | Oct 2020 · Hurricane Zeta |
| Claims by Event |
|
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 3908 Terry Ln is high, ranking above 70% of the US, with a 0.3% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 70% of the US · above 92% of Alabama |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | CITY OF MOBILE, BD. OF W&S COMM. OF THE serves 279,000 people · EPA ID AL0001005 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Sep 2023 |
| Lead | 2 ppb (2025) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Jul 2023 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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.
Source: FCC Broadband Data Collection, based on 145 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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