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405 Chatham St, Mobile, AL 36604 Property Records

Mobile County property record for 405 Chatham St, Mobile, AL 36604

Property Summary

Property TypeSingle Family Home
Details2 ba · 1,740 sqft · built 2020
OwnerIndividual Name on File
Last Sale$399,900 (Oct 2023)
Tax Bill$3,120 (2025)
Deeds & MortgagesOct 2023 Sale
Jan 2023 Line of Credit
+ 5 more
Flood ZoneZone X (minimal risk)
APNR022910380003030

Property Details

APN / Parcel Number

Primary APNR022910380003030
Alternative APNs
  • 29 10 38 0 003 030.XXX
  • 00947177
  • 947177

Interior

Full Baths2 Baths
Stories1 Story
Building Area1,740 sqft Living Area
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2020
Exterior MaterialOther
Foundation TypePier/Post & Beam
Roof TypeGable/Hip
Roof MaterialAsphalt
PorchOpen Porch
Deck Area150 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air

Location & Zoning

Account Number947177
Old Parcel NumberR022910380003030
Street Address405 CHATHAM ST
CityMOBILE
StateAL
Zip36604-3108
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionTHAT CERTAIN LOT OF LAND IN SQR IN #136 K/S LOT 2 N-ERN OR POE DIV OF BERNOUDY TRT & MORE PARTIC DESC AS FOLL COMG AT PT ON
Legal Range01W
Legal Township04S
Legal Section39
Legal SubdivisionN-ERN OR POE DIV
Legal Lot Number2
JurisdictionMOBILE AL
Township / Civil DivisionMOBILE
Census Block Group1
Census Block1002
Census Tract1002

Historic Designation

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

Historic DistrictWithin 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.

Owner

405 Chatham St is owned and occupied by an individual who bought it in October 2023.

Source: Mobile County records, as of December 22, 2025

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 File
Co-ownerCo-owner on File
Mailing Address405 CHATHAM ST, MOBILE, AL 36604-3108
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 12, 2023Warranty Deed, Transfer
Jan 9, 2023Deed of Trust, Mortgage · Line of Credit
SERVISFIRST BANK
Sep 18, 2020Warranty Deed, Transfer · Conventional Mortgage
THE FIRST A NATIONAL BANKING ASSN
Mar 28, 2017Quit Claim Deed, Transfer
ATTORNEY ONLY
Mar 28, 2017Warranty Deed, Transfer
ATTORNEY ONLY
Mar 28, 2017Grant Deed, Transfer
ATTORNEY ONLY
Mar 28, 2017Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 12, 2023 · Amount on File
Deed SaleOct 12, 2023 · Amount on File
Prior SaleSep 18, 2020 · Amount on File
Deed Document Number2023060969
Record UpdatedJun 8, 2026

October 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMOBILE AL
Recording DateOct 12, 2023
Property Address405 CHATHAM ST, MOBILE, AL 36604-3108
Document Number0000060969
Instrument DateOct 6, 2023
Instrument2023060969
Transaction TypeTransfer
Record UpdatedOct 30, 2023

Transaction

AmountAmount on Record
Tax$0.00
Amount AccuracyVerified / From Affidavit
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address405 CHATHAM ST, MOBILE, AL 36604-3108

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants in Common
Address405 CHATHAM ST, MOBILE, AL 36604-3108

January 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMOBILE AL
Property Address405 CHATHAM ST, MOBILE, AL 36604-3108
Transaction TypeMortgage
Record UpdatedJan 23, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address405 CHATHAM ST, MOBILE, AL 36604-3108

Mortgage

Document Number0000001224
DateJan 9, 2023
Instrument2023001224
Lender
NameSERVISFIRST BANK
TypeBank
AddressBIRMINGHAM, AL 35209
Agreement
TypeLine of Credit
AmountAmount on Record
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

September 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMOBILE AL
Recording DateSep 18, 2020
Property Address405 CHATHAM ST, MOBILE, AL 36604-3108
Document Number0000056488
Instrument DateSep 14, 2020
Instrument2020056488
Transaction TypeTransfer
Record UpdatedSep 14, 2021
Title CompanyBTC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address451 SAINT LOUIS ST, 451, MOBILE, AL 36602-2523

Transferred To (Grantee/Buyer)

NameVerified Name
Address405 CHATHAM ST, MOBILE, AL 36604-3108

Mortgage

Document Number0000056489
DateSep 18, 2020
Instrument2020056489
Lender
NameTHE FIRST A NATIONAL BANKING ASSN
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueOct 1, 2050

March 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionMOBILE AL
Recording DateMar 28, 2017
Property Address405 CHATHAM ST, MOBILE, AL 36604-3108
Document Number0000017101
Book / Page007491 / 001656
Instrument DateMar 24, 2017
Instrument17101
Transaction TypeTransfer
Record UpdatedFeb 28, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
Tax$0.50
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address113 CRENSHAW ST MOBILE AL 366061948, MOBILE, AL 36606-1948

March 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMOBILE AL
Recording DateMar 28, 2017
Property Address405 CHATHAM ST, MOBILE, AL 36604-3108
Document Number0000017102
Book / Page007491 / 001658
Instrument DateMar 13, 2017
Instrument17102
Transaction TypeTransfer
Record UpdatedJul 14, 2020
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
Tax$15.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address451 SAINT LOUIS ST MOBILE AL 366022523, MOBILE, AL 36602-2523
InvestorPossibly a Property Investor

March 2017: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionMOBILE AL
Recording DateMar 28, 2017
Property Address405 CHATHAM ST, MOBILE, AL 36604-3108
Document Number0000017100
Book / Page007491 / 001651
Instrument DateMar 10, 2017
Instrument17100
Transaction TypeTransfer
Record UpdatedFeb 28, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
Tax$16.00
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address113 CRENSHAW ST MOBILE AL 366061948, MOBILE, AL 36606-1948

March 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionMOBILE AL
Recording DateMar 28, 2017
Property Address405 CHATHAM ST, MOBILE, AL 36604-3108
Document Number0000017099
Book / Page007491 / 001649
Instrument DateMar 2, 2017
Instrument17099
Transaction TypeTransfer
Record UpdatedFeb 28, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
Tax$0.50
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2874 N LOURANDO DR MOBILE AL 366062445, MOBILE, AL 36606-2445

Tax Assessment & Valuation

The 2025 property tax bill for 405 Chatham St was $3,120, up 124.6% from the year before.

Source: Mobile County assessment roll, as of January 1, 2025

Property Jurisdictions

TypeName
StateAlabama
CountyMobile County
MunicipalityMobile City
Unified School DistrictMobile County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,120.00 (+124.62%)$24,490 (+7.51%) Land $3,400 Building $21,090$244,900 (+7.51%) Land $34,000 Building $210,900
2024$1,389.00 (+4.28%) Homeowner's exemption$22,780 (+4.11%) Land $3,400 Building $19,380$227,800 (+4.11%) Land $34,000 Building $193,800
2023$1,332.00 Homeowner's exemption$21,880 Land $3,400 Building $18,480$218,800 Land $34,000 Building $184,800

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 Chatham St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1985.

Source: FEMA National Flood Hazard Layer, effective October 1, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 10 (0% premium discount)
Nearby Flood Policies5 in force
Nearby Flood Claims2 (1985–2005)
Most Recent ClaimAug 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.

Wildfire

Wildfire risk around 405 Chatham St is low, with a 0.03% annual chance of wildfire.

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

Wildfire RiskLow
lower than 94% of the US · lower than 98.1% of Alabama
Wildfire Likelihood0.03% annual chance
ExposureNone
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 SystemCITY OF MOBILE, BD. OF W&S COMM. OF THE
serves 279,000 people · EPA ID AL0001005
Water SourceSurface water
Last State InspectionSep 2023
Lead2 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityTotal trihalomethanes
resolved · Jul 2023
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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 540 locations within half a mile, as of December 31, 2025

ProviderMax 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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