Mobile County property record for 405 Charles St, Mobile, AL 36604
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 938 sqft · built 1957 |
| Lot Size | 0.157 acres (6,842 sqft) |
| Owner | Company Name on Record |
| Last Sale | $52,000 (Dec 2025) |
| Tax Bill | $235 (2023) |
| Deeds & Mortgages | Dec 2025 Sale Jun 2021 Line of Credit |
| Flood Zone | Zone X (moderate risk) |
| APN | R022910380003011 |
| Primary APN | R022910380003011 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 938 sqft Living Area |
| 1st Floor Area | 938 sqft |
| Flooring | Tile |
| Interior Walls | Plaster |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1982 |
| Exterior Material | Brick |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 6,842 sqft (0.157 acres) |
| Lot Dimensions | 158 ft deep x 44 ft wide |
| Porch | Slab |
| Porch Area | 70 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Gravity Furnace |
| Account Number | 946999 |
|---|---|
| Street Address | 405 CHARLES ST |
| City | MOBILE |
| State | AL |
| Zip | 36604-3161 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 8 SQ 135 BERNOUDY TRT BEING PPTY ON E/S CHARLES ST 85 FT S OF SELMA ST W/ FRONT ON CHARLES ST 44 FT & DEPTH 150 FT #SEC |
| Legal Range | 04S |
| Legal Township | 04S |
| Legal Section | 38 |
| Legal Subdivision | SELMADELAWARE |
| Legal Lot Number | 8 |
| Jurisdiction | MOBILE AL |
| Township / Civil Division | MOBILE |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 1002 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Oakleigh Garden Historic District (Boundary Increase) listed 1991 · 185 contributing resources · NRIS 90002175 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: Mobile County records, as of September 15, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 405 CHARLES ST, MOBILE, AL 36604-3161 |
| Owner Type | Company |
| Vesting | Life Tenant |
| Date | Document |
|---|---|
| Dec 19, 2025 | Warranty Deed, Transfer |
| Jun 23, 2021 | Deed of Trust, Mortgage · Line of Credit ALL IN FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 19, 2025 · Amount on Record |
| Deed Sale | Dec 19, 2025 · Amount on Record |
| Prior Sale | Jan 24, 2001 |
| Deed Document Number | 202574694 |
| Prior Transfer Date | Dec 17, 2025 |
| Prior Transfer Doc | 0000074694 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MOBILE AL |
| Recording Date | Dec 19, 2025 |
| Property Address | 405 CHARLES ST, MOBILE, AL 36604-3161 |
| Document Number | 0000074694 |
| Instrument Date | Dec 17, 2025 |
| Instrument | 2025074694 |
| Transaction Type | Transfer |
| Record Updated | Jan 1, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 405 CHARLES ST, MOBILE, AL 36604-3161 |
| Name | Verified Name |
|---|---|
| Address | 405 CHARLES ST, MOBILE, AL 36604-3161 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MOBILE AL |
| Property Address | 405 CHARLES ST, MOBILE, AL 36604-3161 |
| Transaction Type | Mortgage |
| Record Updated | Oct 21, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000040571 |
|---|---|
| Date | Jun 23, 2021 |
| Instrument | 2021040571 |
| Name | ALL IN FCU |
|---|---|
| Type | Credit Union |
| Address | DALEVILLE, AL 36322 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 264 Months |
| Due | Jun 15, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Mobile County assessment roll, as of September 15, 2026
| Type | Name |
|---|---|
| State | Alabama |
| County | Mobile County |
| Municipality | Mobile City |
| Unified School District | Mobile County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | Additional exemption filed | $5,160 (+12.42%) Land $2,380 Building $2,780 | $51,600 (+12.42%) Land $23,800 Building $27,800 |
| 2023 | $235.00 Homeowner's exemption | $4,590 Land $2,380 Building $2,210 | $45,900 Land $23,800 Building $22,100 |
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.
Source: FEMA National Flood Hazard Layer, effective October 1, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 2 (1985–2005) |
| Most Recent Claim | Aug 2005 · Hurricane Katrina |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 98.1% of Alabama |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF MOBILE, BD. OF W&S COMM. OF THE serves 279,000 people · EPA ID AL0001005 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Sep 2023 |
| Lead | 2 ppb (2025) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Jul 2023 |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 540 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
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