405 Ann St, Troy, AL 36079 Property Records

Pike County property record for 405 Ann St, Troy, AL 36079

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,530 sqft · built 1979
Lot Size	0.347 acres (15,095 sqft)
Owner	Individual Name on File
Tax Bill	$634 (2025)
Deeds & Mortgages	Apr 2023 Mortgage Jan 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`783280`

Property Details

APN / Parcel Number

Primary APN	`783280`
Alternative APN	`55 17 03 05 2 005 007.000`

Interior

Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,530 sqft Living Area
1st Floor Area	1,530 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 2017
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	15,095 sqft (0.347 acres)
Lot Dimensions	150 ft deep x 97 ft wide
Porch	Slab
Porch Area	145 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	783280
Street Address	405 ANN ST
City	TROY
State	AL
Zip	36079-3158
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	S
Legal Description	LOT #7 BLK A ACCORING TO THE PLAT OF PINE FOREST ESTATES PHASE I PB3 PG4 IN SEC5 T9N R21E
Legal Range	21E
Legal Township	09N
Legal Section	05
Legal Subdivision	PINE FOREST ESTATES
Legal Phase	1
Legal Block	A
Legal Lot Number	7
Jurisdiction	PIKE AL
Township / Civil Division	TROY
Census Block Group	2
Census Block	2003
Census Tract	189003

Owner

405 Ann St is owned and occupied by an individual who acquired it in July 2009.

Source: Pike County records, as of July 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 Record	Individual Name on File
Mailing Address	405 ANN ST, TROY, AL 36079-3158
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 21, 2023	Deed of Trust, Mortgage HUD
Jan 2, 2019	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MTG CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 29, 2009
Deed Sale	Jul 29, 2009
Deed Book / Page	2009 / 1290
Record Updated	Sep 20, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PIKE AL
Property Address	405 ANN ST, TROY, AL 36079-3158
Transaction Type	Mortgage
Record Updated	May 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02023/2166
Date	Apr 21, 2023
Book Page	2023/2166
Instrument	20232166

Lender

Name	HUD
Type	Government Agency

Agreement

Amount	Amount on Record
Term	336 Months
Due	Sep 1, 2051

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PIKE AL
Recording Date	Jan 2, 2019
Property Address	405 ANN ST, TROY, AL 36079-3158
Document Number	0002019/17
Book / Page	2019 / 17
Instrument Date	Jan 2, 2019
Instrument	20190017
Transaction Type	Transfer
Record Updated	May 30, 2023

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	705 COUNTY ROAD 541, ENTERPRISE, AL 36330-7511

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	405 ANN ST, TROY, AL 36079-3158

Mortgage

Document Number	0002019/72
Date	Jan 2, 2019
Book Page	2019/72
Instrument	20190072

Lender

Name	FAIRWAY INDEPENDENT MTG CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2049

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 405 Ann St was $634 with a homeowner's exemption, up 0.8% from the year before.

Source: Pike County assessment roll, as of March 19, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$634.00 (+0.79%) Homeowner's exemption	$18,560 (+0.65%) Land $2,700 Building $15,860	$185,640 (+0.71%) Land $27,000 Building $158,640
2024	$629.00 (+19.13%) Homeowner's exemption	$18,440 (+17.45%) Land $2,700 Building $15,740	$184,340 (+17.4%) Land $27,000 Building $157,340
2023	$528.00 (+2.13%) Homeowner's exemption	$15,700 (+1.95%)	$157,020 (+1.93%) Land $27,000 Building $130,020
2022	$517.00 Homeowner's exemption	$15,400	$154,040 Land $27,000 Building $127,040

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 405 Ann St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 2, 2011 · 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	3 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

Wildfire risk around 405 Ann St is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 91% of Alabama
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within 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	CITY OF TROY UTILITIES serves 23,523 people · EPA ID AL0001124
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	1 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 37 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
C Spire Wireless Fiber · Cable in parts of the area	10,000 / 10,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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