404 Bailey St, Valley, AL 36854 Property Records

Chambers County property record for 404 Bailey St, Valley, AL 36854

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,068 sqft · built 1923
Lot Size	0.184 acres (8,034 sqft)
Owner	Individual Name on Record
Last Sale	$86,000 (Nov 2021)
Tax Bill	$200 (2026)
Deeds & Mortgages	Jul 2018 Mortgage Nov 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12-17-06-24-4-003-056.000`

Property Details

APN / Parcel Number

Primary APN	`12-17-06-24-4-003-056.000`
Alternative APNs	`1706244003056000` `436505` `484880`

Interior

Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,068 sqft Living Area
1st Floor Area	1,068 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1923
Exterior Material	Aluminum/Vinyl
Foundation Type	Brick
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	8,034 sqft (0.184 acres)
Lot Dimensions	127 ft deep x 78 ft wide
Garage Type	Carport
Garage Area	240 sqft
Carport	Carport
Carport Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Patio
Porch Area	176 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	484880
Street Address	404 BAILEY ST
City	VALLEY
State	AL
Zip	36854-4817
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 6 BLOCK 17FAIRFAX MILL VILLAGEM.B. 3 PG. 26-28IN SW1/4 OF SE1/4.S24 T21N R28ECITY OF VALLEY
Legal Range	28
Legal Township	21
Legal Section	24
Legal Subdivision	CLARENCE J WHITE JR
Legal Block	17
Legal Lot Number	6
Jurisdiction	CHAMBERS AL
Township / Civil Division	VALLEY
Census Block Group	3
Census Block	3014
Census Tract	954700

Historic Designation

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

Historic District	Within the Fairfax Historic District listed 1999 · 377 contributing resources · NRIS 99001177

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

Owner

Source: Chambers County records, as of October 20, 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	404 BAILEY ST, VALLEY, AL 36854-4817
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2018	Deed of Trust, Mortgage SYNOVUS BANK
Nov 22, 2021	Limited Warranty Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 22, 2021 · Amount on Record
Deed Sale	Nov 22, 2021 · Amount on Record
Prior Sale	Dec 21, 2015 · Amount on Record
Deed Document Number	20214518
Prior Transfer Date	Aug 30, 2011
Prior Transfer Doc	0000004518
Record Updated	Oct 29, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMBERS AL
Property Address	404 BAILEY ST, VALLEY, AL 36854-4817
Transaction Type	Mortgage
Record Updated	Jun 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000003287
Date	Jul 31, 2018
Book Page	0000002018/0000003287

Lender

Name	SYNOVUS BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	354 Months
Due	Jan 1, 2048

November 2021: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	CHAMBERS AL
Recording Date	Nov 22, 2021
Property Address	404 BAILEY ST, VALLEY, AL 36854-4817
Document Number	02021/4518
Book / Page	2021 / 4518
Map Reference	MB 3 PG 26-28
Instrument Date	Oct 26, 2021
Transaction Type	Transfer
Record Updated	Jun 29, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 BAILEY ST, VALLEY, AL 36854-4817

Mortgage

Document Number	0020214519
Date	Nov 22, 2021
Instrument	2021/4519

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

Mortgage

Document Number	02021/4520
Date	Nov 22, 2021
Book Page	2021/4520

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Nov 1, 2031

Tax Assessment & Valuation

Source: Chambers County assessment roll, as of May 12, 2026

Property Jurisdictions

Type	Name
State	Alabama
County	Chambers County
Municipality	Valley City
Unified School District	Chambers County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$200.00 (+8.11%) Homeowner's exemption Senior Citizen's exemption
2025	$185.00 (+8.82%)	$16,036 (+168.16%) Land $2,680 Building $13,356	$80,180 (+34.53%) Land $13,400 Building $66,780
2024	$170.00 (-10.99%) Additional exemption filed	$5,980 (-8.84%) Land $440 Building $5,540	$59,600 (-9.19%) Land $4,350 Building $55,250
2023	$191.00 (-64.63%) Additional exemption filed	$6,560 (-48.43%) Land $440 Building $6,120	$65,630 (+3.39%) Land $4,350 Building $61,280
2022	$540.00	$12,720 Land $880 Building $11,840	$63,480 Land $4,350 Building $59,130

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 February 18, 2011

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 67% of the US · lower than 85% of Alabama
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	EAST ALABAMA, WATER & FIRE PRO DISTRICT serves 17,532 people · EPA ID AL0000174
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2023
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	None 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 162 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
WOW Internet, Cable & Phone Cable	1,200 / 50
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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