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400 Charles St, Mobile, AL 36604 Property Records

Mobile County property record for 400 Charles St, Mobile, AL 36604

Property Summary

Property TypeSingle Family Home
Details2.5 ba · 1,924 sqft · built 1981
Lot Size0.199 acres (8,701 sqft)
Owner2 Individual Names on Record
Last Sale$75,000 (May 2019)
Tax Bill$1,404 (2025)
Deeds & MortgagesJun 2020 Mortgage
May 2019 Sale & Line of Credit
+ 1 more
Flood ZoneZone X (moderate risk)
APNR022910380003017

Property Details

APN / Parcel Number

Primary APNR022910380003017
Alternative APNs
  • 29 10 38 0 003 017.XXX
  • 00947051
  • 947051

Interior

Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms7 Rooms
Stories1 Story
Building Area1,924 sqft Living Area
1st Floor Area1,924 sqft
FlooringTile
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1981
Effective Year BuiltEffective 1981
Exterior MaterialStucco
Construction TypeFrame
Foundation TypePier/Post & Beam
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area8,701 sqft (0.199 acres)
Lot Dimensions100 ft deep x 85 ft wide
PorchSlab
Porch Area330 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Account Number947051
Street Address400 CHARLES ST
CityMOBILE
StateAL
Zip36604-3112
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOTS 1 & 2 SQR 136 WEST GORDON DIV OF FAVRE TRT DBK 34 N S P 150 #SEC 38 T4S R1W #MP29 10 38 0 003
Legal Range04S
Legal Township04S
Legal Section38
Legal SubdivisionFAVRE
Legal Lot Number1-2
JurisdictionMOBILE AL
Township / Civil DivisionMOBILE
Census Block Group1
Census Block1002
Census Tract1002

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic DistrictWithin the Oakleigh Garden Historic District (Boundary Increase)
listed 1991 · 185 contributing resources · NRIS 90002175

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Mobile County records, as of September 15, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on Record
Mailing Address400 CHARLES ST, MOBILE, AL 36604-3112
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 5, 2020Deed of Trust, Mortgage · Conventional Mortgage
BAY MOUNTAIN FUND I LLC
May 7, 2019Warranty Deed, Transfer · Line of Credit
TRUSTMARK NATIONAL BANK
Mar 6, 2018Warranty Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMay 7, 2019 · Amount on Record
Deed SaleMay 7, 2019 · Amount on Record
Prior SaleDec 2, 1998 · Amount on Record
Deed Document Number201924751
Prior Transfer DateDec 1, 1998
Prior Transfer Doc0000087497
Record UpdatedOct 29, 2026

June 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMOBILE AL
Property Address400 CHARLES ST, MOBILE, AL 36604-3112
Transaction TypeMortgage
Record UpdatedJul 15, 2022
Title CompanyCTC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000032868
DateJun 5, 2020
Instrument2020032868
Lender
NameBAY MOUNTAIN FUND I LLC
TypeFunding / Finance Company
AddressFAIRHOPE, AL 36532
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJul 1, 2050

May 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMOBILE AL
Recording DateMay 7, 2019
Property Address400 CHARLES ST, MOBILE, AL 36604-3112
Document Number0000024751
Map ReferenceMB 34 N S PG 150
Instrument DateMay 2, 2019
Instrument2019024751
Transaction TypeTransfer
Record UpdatedJul 15, 2022

Transaction

AmountAmount Recorded
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address451 SAINT LOUIS ST, 451, MOBILE, AL 36602-2523

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRight of Survivorship
Address1914 OLD SHELL RD, MOBILE, AL 36607-3400

Mortgage

Document Number0000024752
DateMay 7, 2019
Instrument2019024752
Lender
NameTRUSTMARK NATIONAL BANK
TypeBank
Agreement
TypeLine of Credit
AmountAmount Recorded
Term12 Months
DueMay 2, 2020

March 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMOBILE AL
Recording DateMar 6, 2018
Property Address400 CHARLES ST, MOBILE, AL 36604-3112
Document Number0000012084
Book / Page007610 / 001603
Instrument DateMar 5, 2018
Instrument12084
Transaction TypeTransfer
Record UpdatedFeb 28, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$54.50
Additional
  • Notice of Trustee Sale
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address451 SAINT LOUIS ST MOBILE AL 366022523, MOBILE, AL 36602-2523
InvestorPossibly a Property Investor

Tax Assessment & Valuation

Source: Mobile County assessment roll, as of September 15, 2026

Property Jurisdictions

TypeName
StateAlabama
CountyMobile County
MunicipalityMobile City
Unified School DistrictMobile County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,404.00 (-1.13%) Homeowner's exemption$23,010 (-1.07%) Land $3,400 Building $19,610$230,100 (-1.07%) Land $34,000 Building $196,100
2024$1,420.00 (+2.23%) Homeowner's exemption$23,260 (+2.11%) Land $3,400 Building $19,860$232,600 (+2.11%) Land $34,000 Building $198,600
2023$1,389.00 Homeowner's exemption$22,780 Land $3,400 Building $19,380$227,800 Land $34,000 Building $193,800

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.

Flood

Source: FEMA National Flood Hazard Layer, effective October 1, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 10 (0% premium discount)
Nearby Flood Policies5 in force
Nearby Flood Claims2 (1985–2005)
Most Recent ClaimAug 2005 · Hurricane Katrina

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 RiskLow
lower than 94% of the US · lower than 98.1% of Alabama
Wildfire Likelihood0.03% annual chance
ExposureNone
beyond ember reach

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 SystemCITY OF MOBILE, BD. OF W&S COMM. OF THE
serves 279,000 people · EPA ID AL0001005
Water SourceSurface water
Last State InspectionSep 2023
Lead2 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityTotal trihalomethanes
resolved · Jul 2023
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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 540 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · DSL · Fixed Wireless in parts of the area		5,000 / 5,000
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		300 / 20

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