403 E Stewart Ave, Opp, AL 36467 Property Records

Covington County property record for 403 E Stewart Ave, Opp, AL 36467

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,817 sqft · built 1940
Lot Size	0.459 acres (20,000 sqft)
Owner	Individual Name on Record
Last Sale	$105,000 (Apr 2021)
Tax Bill	$1,185 (2025)
Deeds & Mortgages	Apr 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23-11-08-28-1-103-008.000`

Property Details

APN / Parcel Number

Primary APN	`23-11-08-28-1-103-008.000`
Alternative APNs	`11082811030080000` `1108281103008000` `23417923`

Interior

Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,817 sqft Living Area
1st Floor Area	1,817 sqft
Flooring	Hardwood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 2002
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	20,000 sqft (0.459 acres)
Lot Dimensions	200 ft deep x 100 ft wide
Parking Spaces	1 Parking Space
Porch	Slab
Deck Area	Deck Area
Utility Building	128 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	23417923
Street Address	403 E STEWART AVE
City	OPP
State	AL
Zip	36467-2230
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DB/PG>2021/7854 3/24/2021 BEG ON N R/W WEST AVE 100 FT E OF E R/W SPURLIN ST TH N 200 FT; TH E 100 FT; TH S TO N R/W TH W TO
Legal Range	18E
Legal Township	04N
Legal Section	28
Jurisdiction	COVINGTON AL
Township / Civil Division	OPP
Census Block Group	3
Census Block	3052
Census Tract	962400

Owner

Source: Covington County records, as of June 18, 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 STEWART AVE, OPP, AL 36467-2230
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 8, 2021 · Amount on Record
Deed Sale	Apr 8, 2021 · Amount on Record
Prior Sale	Nov 30, 2016 · Amount on Record
Deed Book / Page	2021 / 7854
Record Updated	Sep 20, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COVINGTON AL
Recording Date	Apr 8, 2021
Property Address	403 E STEWART AVE, OPP, AL 36467-2230
Document Number	02021/7854
Book / Page	2021 / 7854
Instrument Date	Mar 24, 2021
Transaction Type	Transfer
Record Updated	Jun 29, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 E STEWART AVE, OPP, AL 36467-2230

Mortgage

Document Number	0020217857
Date	Apr 8, 2021
Instrument	2021/7857

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

Tax Assessment & Valuation

Source: Covington County assessment roll, as of June 18, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,185.00 (+4.77%)	$30,392 (+4.8%) Land $1,360 Building $29,032	$151,960 (+4.8%) Land $6,800 Building $145,160
2024	$1,131.00 (+12.99%)	$29,000 (+125.93%) Land $1,360 Building $27,640	$145,000 (+12.96%) Land $6,800 Building $138,200
2023	$1,001.00 (+3.84%)	$12,836 (+3.75%) Land $600 Building $12,236	$128,360 (+3.75%) Land $6,000 Building $122,360
2022	$964.00	$12,372 Land $560 Building $11,812	$123,720 Land $5,600 Building $118,120

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 November 4, 2009 · 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

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

Wildfire Risk	Low lower than 66% of the US · lower than 82% of Alabama
Wildfire Likelihood	0.02% annual chance
Exposure	None 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 System	OPP UTILITIES BOARD serves 10,266 people · EPA ID AL0000375
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	3 ppb (2024–2026) 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 162 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Mediacom Xtream Cable	1,000 / 50

May also be available: C Spire Wireless.

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