Morgan County property record for 392 Hilltop Rd, Joppa, AL 35087
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,446 sqft · built 2021 |
| Lot Size | 16 acres (696,960 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,216 (2025) |
| Deeds & Mortgages | Feb 2021 Construction Loan Jul 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-06-24-0-000-009.002 |
| Primary APN | 21-06-24-0-000-009.002 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,446 sqft Living Area |
| 1st Floor Area | 2,446 sqft |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 696,960 sqft (16 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 72099 |
|---|---|
| Street Address | 392 HILLTOP RD |
| City | JOPPA |
| State | AL |
| Zip | 35087-6104 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BEG AT SE COR OF SEC 24, T8S, R1W, TH W 1835.32' TO E R/W OF A CO RD., TH N ALG SD R/W 439.79', TH E 412.66', TH SW'LY 105.57 |
| Legal Range | 1W |
| Legal Township | 8S |
| Legal Section | 24 |
| Jurisdiction | MORGAN AL |
| Township / Civil Division | EVA |
| Census Block Group | 2 |
| Census Block | 2070 |
| Census Tract | 5601 |
392 Hilltop Rd is owned and occupied by two individuals who acquired it in June 2025.
Source: Morgan County records, as of July 2, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 252 BLOCKER RD, TOPPAN, AL 35084 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
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 |
|---|---|
| Feb 12, 2021 | Deed of Trust, Mortgage · Construction Mortgage THE SOUTHERN BANK CO |
| Jul 23, 2021 | Deed of Trust, Mortgage · Conventional Mortgage HOMETOWN LENDERS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jun 3, 2025 |
| Transfer Doc | 2025006953 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MORGAN AL |
| Property Address | 392 HILLTOP RD, JOPPA, AL 35087-6104 |
| Transaction Type | Mortgage |
| Record Updated | May 4, 2023 |
| Name | Verified Name |
|---|
| Document Number | 02021/8264 |
|---|---|
| Date | Feb 12, 2021 |
| Book Page | 2021/8264 |
| Name | THE SOUTHERN BANK CO |
|---|---|
| Type | Bank |
| Address | ALBERTVILLE, AL 35950 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MORGAN AL |
| Property Address | 392 HILLTOP RD, JOPPA, AL 35087-6104 |
| Transaction Type | Mortgage |
| Record Updated | May 4, 2023 |
| Name | Verified Name |
|---|
| Document Number | 2021/41024 |
|---|---|
| Date | Jul 23, 2021 |
| Book Page | 2021/41024 |
| Name | HOMETOWN LENDERS INC |
|---|---|
| Type | Mortgage Company |
| Address | HUNTSVILLE, AL 35806 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2051 |
The 2025 property tax bill for 392 Hilltop Rd was $1,216 with a homeowner's exemption.
Source: Morgan County assessment roll, as of June 19, 2026
| Type | Name |
|---|---|
| State | Alabama |
| County | Morgan County |
| Unified School District | Morgan County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,216.00 | $33,950 (-) Land $4,210 Building $29,740 | $339,500 (-) Land $42,100 Building $297,400 |
| 2024 | $33,950 (-0.88%) Land $4,210 Building $29,740 | $339,500 (-0.88%) Land $42,100 Building $297,400 | |
| 2023 | $1,216.00 (-0.9%) Homeowner's exemption | $34,250 (-) Land $4,210 Building $30,040 | $342,500 (-) Land $42,100 Building $300,400 |
| 2022 | $1,227.00 Homeowner's exemption | $34,250 Land $4,210 Building $30,040 | $342,500 Land $42,100 Building $300,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 392 Hilltop Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective July 4, 2022 · 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 392 Hilltop Rd is moderate, ranking above 48% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 48% of the US · above 56% 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.
Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| GoNetspeed Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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