400 Edwards Cir, Laceys Spring, AL 35754 Property Records

Morgan County property record for 400 Edwards Cir, Laceys Spring, AL 35754

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 3,240 sqft · built 1982
Lot Size	1.9 acres (82,764 sqft)
Owner	2 Individual Names on File
Last Sale	$115,000 (Apr 2021)
Tax Bill	$1,297 (2025)
Deeds & Mortgages	Nov 2023 Line of Credit Feb 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`09-06-13-0-000-040.002`

Property Details

APN / Parcel Number

Primary APN	`09-06-13-0-000-040.002`
Alternative APNs	`111115` `20321`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,240 sqft Living Area
1st Floor Area	1,620 sqft
Upper Floors Area	1,620 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	82,764 sqft (1.9 acres)
Garage Area	6,000 sqft
Parking Spaces	20 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	111115
Street Address	400 EDWARDS CIR
City	LACEYS SPRING
State	AL
Zip	35754-6220
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEG AT NW COR OF NW1/4 OF SE1/4 OF SEC 13, T6S, R1W, TH SO 1033', TO TPOB. TH E 269', TH SE'LY 147.49', TH S'LY 150.99' TH W
Legal Range	1W
Legal Township	6S
Legal Section	13
Jurisdiction	MORGAN AL
Township / Civil Division	LACEYS SPRING
Census Block Group	1
Census Block	1033
Census Tract	5703

Owner

400 Edwards Cir is owned and occupied by two individuals who bought it in April 2021.

Source: Morgan County records, as of July 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	400 EDWARDS CIR, LACEYS SPRING, AL 35754-6220
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.

Deeds, Mortgages & Sale History

Date	Document
Nov 20, 2023	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Feb 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP
Sep 13, 2019	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
Jun 14, 2018	Warranty Deed, Transfer · Conventional Mortgage SOFI LENDING CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 2021 · Amount on File
Deed Sale	Apr 1, 2021 · Amount on File
Prior Sale	Jun 14, 2018 · Amount on File
Deed Book / Page	2021 / 2971
Prior Transfer Date	Jul 31, 2006
Prior Transfer Doc	2006/05989
Record Updated	Sep 20, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN AL
Property Address	400 EDWARDS CIR, LACEYS SPRING, AL 35754-6220
Transaction Type	Mortgage
Record Updated	Nov 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2023/37339
Date	Nov 20, 2023
Book Page	2023/37339

Lender

Name	COASTAL COMMUNITY BANK
Type	Bank
Address	BURLINGAME, CA 94010

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN AL
Property Address	400 EDWARDS CIR, LACEYS SPRING, AL 35754-6220
Transaction Type	Mortgage
Record Updated	May 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021/10022
Date	Feb 24, 2021
Book Page	2021/10022

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jan 1, 2051

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN AL
Property Address	400 EDWARDS CIR, LACEYS SPRING, AL 35754-6220
Transaction Type	Mortgage
Record Updated	May 4, 2023
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019/30515
Date	Sep 13, 2019
Book Page	2019/30515

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10006

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2034

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MORGAN AL
Recording Date	Jun 14, 2018
Property Address	400 EDWARDS CIR, LACEYS SPRING, AL 35754-6220
Document Number	2018/05033
Book / Page	2018 / 05033
Instrument Date	May 29, 2018
Transaction Type	Transfer
Record Updated	May 4, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$27.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	113 ARBOR HILL LN SW, HUNTSVILLE, AL 35824-3111

Mortgage

Document Number	0201818623
Date	Jun 14, 2018
Instrument	2018/18623

Lender

Name	SOFI LENDING CORP
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 1, 2033

Tax Assessment & Valuation

The 2025 property tax bill for 400 Edwards Cir was $1,297 with a homeowner's exemption.

Source: Morgan County assessment roll, as of June 19, 2026

Property Jurisdictions

Type	Name
State	Alabama
County	Morgan County
Unified School District	Morgan County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,297.00 Homeowner's exemption	$36,100 (-) Land $3,570 Building $32,530	$361,000 (-) Land $35,700 Building $325,300
2024		$36,100 (+4.09%) Land $3,570 Building $32,530	$361,000 (+4.09%) Land $35,700 Building $325,300
2023	$1,297.00 (+12.1%) Homeowner's exemption	$34,680 (+7.14%) Land $3,300 Building $31,380	$346,800 (+7.14%) Land $33,000 Building $313,800
2022	$1,157.00 Homeowner's exemption	$32,370 Land $3,000 Building $29,370	$323,700 Land $30,000 Building $293,700

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

FEMA maps place 400 Edwards Cir in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1995.

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
Flood Insurance Cost	Premium on File median of 21 policies
Nearby Flood Policies	21 in force
Nearby Flood Claims	6 (1995–2020)
Claims Outside the SFHA	2 of 6
Most Recent Claim	Apr 2020 · rainfall accumulation
Claims by Event	Severe Storms, Straight-line Winds, Tornadoes, And Flooding, Feb 2019 · 2 claims

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

Wildfire risk around 400 Edwards Cir is moderate, ranking above 40% of the US, with a 0.06% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · lower than 66% of Alabama
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
GoNetspeed Fiber	1,000 / 1,000

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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