403 E Franklin Ave, Geneva, AL 36340 Property Records

Geneva County property record for 403 E Franklin Ave, Geneva, AL 36340

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,531 sqft · built 2004
Lot Size	0.9 acres (39,204 sqft)
Owner	Individual Name on Record
Deeds & Mortgages	Jul 2026 Mortgage Nov 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1809313010053000`

Property Details

APN / Parcel Number

Primary APN	`1809313010053000`
Alternative APN	`0000224760`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,531 sqft Heated Area
1st Floor Area	1,531 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2005
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	39,204 sqft (0.9 acres)
Lot Dimensions	166 ft deep x 164 ft wide
Garage Type	Carport
Garage Area	294 sqft
Carport	Carport
Carport Area	294 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	926 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	0000224760
Street Address	403 E FRANKLIN AVE
City	GENEVA
State	AL
Zip	36340-7467
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 197 & 198 LAKESIDE ESTATES, 8TH ADD, 1/94 S31-T1N-R22E
Legal Range	22E
Legal Township	01N
Legal Section	31
Legal Subdivision	LAKESIDE ESTATES
Legal Lot Number	197-198
Jurisdiction	GENEVA AL
Township / Civil Division	GENEVA
Census Block Group	5
Census Block	5011
Census Tract	50300

Owner

Source: Geneva County records, as of April 10, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	403 E FRANKLIN AVE, GENEVA, AL 36340-7467
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Nov 21, 2022	Deed of Trust, Mortgage · Line of Credit ALABAMA TELCO CU
Dec 30, 2019	Deed of Trust, Mortgage · Line of Credit THE SAMSON BANKING COMPANY INC

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENEVA AL
Recording Date	Jul 20, 2026
Property Address	403 E FRANKLIN AVE, GENEVA, AL 36340-7467
Document Number	1326000358
Book / Page	1326 / 358
Instrument Date	Jul 15, 2026
Transaction Type	Mortgage
Record Updated	Jul 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 E FRANKLIN AVE, GENEVA, AL 36340-7467

Mortgage

Document Number	1326000358,
Date	Jul 20, 2026
Book Page	1326/358

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 1, 2041

Interest

Rate Type	Fixed Rate
Rate	5.81%
Initial Type	Fixed Rate
Max Rate	-1%

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENEVA AL
Property Address	403 E FRANKLIN AVE, GENEVA, AL 36340-7467
Transaction Type	Mortgage
Record Updated	Dec 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001175/491
Date	Nov 21, 2022
Book Page	1175/491

Lender

Name	ALABAMA TELCO CU
Type	Credit Union
Address	BIRMINGHAM, AL 35244

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 20, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENEVA AL
Property Address	403 E FRANKLIN AVE, GENEVA, AL 36340-7467
Transaction Type	Mortgage
Record Updated	Jan 9, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1048/198
Date	Dec 30, 2019
Book Page	1048/198

Lender

Name	THE SAMSON BANKING COMPANY INC
Type	Bank
Address	SAMSON, AL 36477

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	62 Months
Due	Feb 20, 2025

Tax Assessment & Valuation

Source: Geneva County assessment roll, as of April 10, 2026

Property Jurisdictions

Type	Name
State	Alabama
County	Geneva County
Municipality	Geneva City
Unified School District	Geneva City School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$17,580 (+17.36%) Land $1,840 Building $15,740	$175,600 (+17.38%) Land $18,400 Building $157,200
2023	Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption	$14,980 Land $1,980 Building $13,000	$149,600 Land $19,800 Building $129,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective May 1, 2016 · 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
Nearby Flood Claims	8 (1978–2009)
Claims Outside the SFHA	3 of 8
Most Recent Claim	Mar 2009 · Severe Storms, Flooding, Tornadoes & Straight-line
Claims by Event	Severe Storms And Flooding, Mar 1998 · 4 claims Severe Storms And Flooding (tropical Storm Alberto), Jul 1994 · 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

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

Wildfire Risk	Low lower than 62% of the US · lower than 74% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF GENEVA, THE WW & SB OF THE serves 9,600 people · EPA ID AL0000622
Water Source	Groundwater
Last State Inspection	Jan 2026
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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. The service area is an EPA estimate; the actual supplier may differ.

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)
Spectrum Cable	1,000 / 35
Starlink Satellite	280 / 30

May also be available: Brightspeed.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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