Madison County property record for 395 Carter Rd, Madison, AL 35758
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,710 sqft · built 1987 |
| Lot Size | 0.713 acres (31,096 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $320,000 (Feb 2019) |
| Tax Bill | $2,448 (2026) |
| Deeds & Mortgages | May 2020 Mortgage Feb 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-08-27-0-004-064.000 |
| Primary APN | 15-08-27-0-004-064.000 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,710 sqft Living Area |
| 1st Floor Area | 1,710 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 31,096 sqft (0.713 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 485452 |
|---|---|
| Street Address | 395 CARTER RD |
| City | MADISON |
| State | AL |
| Zip | 35758-8214 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 24 RAINBOW MOUNTAIN HGTS S/D 3RD ADD PB 4 PG 70 |
| Legal Range | 02W |
| Legal Township | 03S |
| Legal Section | 27 |
| Legal Subdivision | RAINBOW MOUNTAIN HEIGHTS 3RD |
| Legal Lot Number | 24 |
| Jurisdiction | MADISON AL |
| Township / Civil Division | MADISON |
| Census Block Group | 3 |
| Census Block | 3040 |
| Census Tract | 11012 |
395 Carter Rd is owned and occupied by two individuals who bought it in February 2019.
Source: Madison County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 395 CARTER RD, MADISON, AL 35758-8214 |
| 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 |
|---|---|
| May 28, 2020 | Deed of Trust, Mortgage · Conventional Mortgage JP MORGAN CHASE BK |
| Feb 1, 2019 | Deed, Transfer · Conventional Mortgage PROGRESS BANK & TRUST |
| Dec 1, 2017 | Deed of Trust, Mortgage · Line of Credit BANCORPSOUTH |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 1, 2019 · Amount on File |
| Deed Sale | Feb 1, 2019 · Amount on File |
| Prior Sale | May 15, 2014 · Amount on File |
| Deed Document Number | 20196295 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON AL |
| Property Address | 395 CARTER RD, MADISON, AL 35758-8214 |
| Document Number | 0000040142 |
| Instrument Date | May 28, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 395 CARTER RD MADISON AL 357588214, MADISON, AL 35758-8214 |
| Document Number | 0000040142 |
|---|---|
| Date | Jun 8, 2020 |
| Instrument | 40142 |
| Name | JP MORGAN CHASE BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240-2050 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 7, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON AL |
| Recording Date | Feb 1, 2019 |
| Property Address | 395 CARTER RD, MADISON, AL 35758-8214 |
| Document Number | 0000006295 |
| Map Reference | MB 4 PG 70 |
| Instrument Date | Jan 31, 2019 |
| Instrument | 20190201000006295 |
| Transaction Type | Transfer |
| Record Updated | Nov 22, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $64.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2875 TUSCARORA CT, 2875, MELBOURNE, FL 32904-8097 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 395 CARTER RD, MADISON, AL 35758-8214 |
| Document Number | 0000006296 |
|---|---|
| Date | Feb 1, 2019 |
| Instrument | 20190201000006296 |
| Name | PROGRESS BANK & TRUST |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON AL |
| Property Address | 395 CARTER RD, MADISON, AL 35758-8214 |
| Document Number | 0000615074 |
| Instrument Date | Dec 1, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 3, 2018 |
| Name | Verified Name |
|---|---|
| Address | 395 CARTER RD MADISON AL 357588214, MADISON, AL 35758-8214 |
| Document Number | 0000615074 |
|---|---|
| Date | Dec 13, 2017 |
| Instrument | 615074 |
| Name | BANCORPSOUTH |
|---|---|
| Type | Bank |
| Address | TUPELO, MS 38803-4360 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Dec 12, 2022 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 395 Carter Rd was $2,448 with a homeowner's exemption, up 4.7% from the year before.
Source: Madison County assessment roll, as of November 17, 2025
| Type | Name |
|---|---|
| State | Alabama |
| County | Madison County |
| Municipality | Madison City |
| Unified School District | Madison City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,448.00 (+4.7%) | ||
| 2025 | $2,338.00 Homeowner's exemption | $34,200 Land $4,760 Building $29,440 | $341,800 Land $47,500 Building $294,300 |
| 2023 | $2,192.00 (+13.11%) Homeowner's exemption | $32,100 (+12.87%) Land $4,760 Building $27,340 | $320,800 (+12.84%) Land $47,500 Building $273,300 |
| 2022 | $1,938.00 Homeowner's exemption | $28,440 Land $4,760 Building $23,680 | $284,300 Land $47,500 Building $236,800 |
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 395 Carter Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2014.
Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · 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 |
| Flood Insurance Cost | Premium on File median of 22 policies |
| Nearby Flood Policies | 22 in force |
| Nearby Flood Claims | 1 (2014) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jun 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.
Wildfire risk around 395 Carter Rd is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 99% of Alabama |
|---|---|
| Wildfire Likelihood | Under 0.01% 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 147 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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