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4040 Co Rd 278, Five Points, AL 36855 Property Records

Chambers County property record for 4040 Co Rd 278, Five Points, AL 36855

Property Summary

Property TypeSingle Family Home
Details1 ba · 400 sqft · built 1999
Lot Size5 acres (217,800 sqft)
OwnerIndividual Name on Record
Last Sale$62,000 (Aug 2014)
Tax Bill$631 (2026)
Deeds & MortgagesJan 2022 Mortgage
Jan 2025 Sale
Flood ZoneZone X (minimal risk)
APN12-01-03-08-0-001-019.000

Property Details

APN / Parcel Number

Primary APN12-01-03-08-0-001-019.000
Alternative APNs
  • 0103080001019000
  • 400745

Interior

Full Baths1 Bath
Total Rooms1 Room
Stories1 Story
Building Area400 sqft Living Area
1st Floor Area400 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1999
Effective Year BuiltEffective 1999
Exterior MaterialWood
Foundation TypeBlock
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area217,800 sqft (5 acres)
Garage TypeCarport
Garage Area200 sqft
CarportCarport
Carport Area200 sqft
Parking Spaces1 Parking Space
PorchSlab
Porch Area240 sqft
Total Buildings2 Buildings

Utilities, Heating & Cooling

SewerConnected

Location & Zoning

Account Number400745
Street Address4040 COUNTY ROAD 278
CityFIVE POINTS
StateAL
Zip36855-2835
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionBEG AT SW COR OF LOT 1 OF STANDING ROAD SUB., RUN NW'LY ALONG CO. ROAD 278 599', N'LY370.5', SE'LY639.6', S'LY206', SW'LY120'
Legal Range28
Legal Township24
Legal Section08
Legal SubdivisionSTANDING ROAD SUB
Legal Lot Number1
JurisdictionCHAMBERS AL
Township / Civil DivisionFIVE POINTS
Census Block Group1
Census Block1023
Census Tract953800

Owner

Source: Chambers County records, as of October 20, 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 RecordIndividual Name on Record
Mailing Address4040 COUNTY ROAD 278, FIVE POINTS, AL 36855-2835
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jan 31, 2022Deed of Trust, Mortgage · Conventional Mortgage
ROYAL UNITED MORTGAGE LLC
Jan 14, 2025Warranty Deed, Transfer

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 15, 2014 · Amount on Record
Deed SaleAug 15, 2014 · Amount on Record
Deed Document Number20142675
Prior Transfer DateAug 14, 2014
Prior Transfer Doc0020142675
Record UpdatedOct 29, 2026

January 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCHAMBERS AL
Property Address4040 COUNTY ROAD 278, FIVE POINTS, AL 36855-2835
Transaction TypeMortgage
Record UpdatedJan 19, 2026
Title CompanyE-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number002022/614
DateJan 31, 2022
Book Page2022/614
Lender
NameROYAL UNITED MORTGAGE LLC
TypeMortgage Company
AddressINDIANAPOLIS, IN 46250
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 1, 2052

January 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCHAMBERS AL
Recording DateJan 14, 2025
Property Address4040 COUNTY ROAD 278, FIVE POINTS, AL 36855-2835
Document Number002025/328
Book / Page2025 / 328
Map ReferenceMB 2025 PG 9
Instrument DateJan 2, 2025
Transaction TypeTransfer
Record UpdatedMay 12, 2026

Transaction

AmountAmount Recorded
Tax$0.00
Amount AccuracyVerified / From Affidavit

Transferred From (Grantor/Seller)

NameVerified Name
Address6769 LEE ROAD 158, SALEM, AL 36874-3424

Transferred To (Grantee/Buyer)

NameVerified Name
Address104 INDEPENDENCE CT, LAGRANGE, GA 30240-8526
InvestorPossibly a Property Investor

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateAlabama
CountyChambers County
Unified School DistrictChambers County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$631.00 (+124.56%)
2025$281.00 (+462%)$13,224 (+97.37%) Land $4,980 Building $8,244$66,120 (-1.45%) Land $24,900 Building $41,220
2024$50.00 Additional exemption filed$6,700 (-) Land $2,580 Building $4,120$67,090 (-) Land $25,880 Building $41,210
2023$50.00 Additional exemption filed$6,700 (-) Land $2,580 Building $4,120$67,090 (-) Land $25,880 Building $41,210
2022$50.00 Additional exemption filed$6,700 Land $2,580 Building $4,120$67,090 Land $25,880 Building $41,210

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 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 RiskModerate
above 56% of the US · above 70% of Alabama
Wildfire Likelihood0.1% annual chance
ExposureDirect
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 SystemEAST ALABAMA, WATER & FIRE PRO DISTRICT
serves 17,532 people · EPA ID AL0000174
Water SourcePurchased surface water from several systems
Last State InspectionJun 2023
Lead2 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 20 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Starlink
Satellite		280 / 30
TEC
DSL		50 / 5

Cell Coverage

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

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