405 E 4th St, Andalusia, AL 36420 Property Records

Covington County property record for 405 E 4th St, Andalusia, AL 36420

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,585 sqft · built 1977
Lot Size	0.378 acres (16,500 sqft)
Owner	Individual Name on Record
Last Sale	$150,000 (Jul 2024)
Tax Bill	$1,147 (2025)
Deeds & Mortgages	Jun 2026 Re-recorded Document Jun 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`23-13-04-17-2-006-017.001`

Property Details

APN / Parcel Number

Primary APN	`23-13-04-17-2-006-017.001`
Alternative APNs	`13041720060170010` `1304172006017001` `23037500` `23419966` `23424933`

Interior

Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,585 sqft Living Area
1st Floor Area	1,585 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	16,500 sqft (0.378 acres)
Lot Dimensions	150 ft deep x 110 ft wide
Garage Area	288 sqft
Parking Spaces	1 Parking Space
Porch	Slab

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	23424933
Street Address	405 E 4TH ST
City	ANDALUSIA
State	AL
Zip	36420-3279
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DB/PG>2024/11738 JSD 7/12/2024 LOTS 10-12 BLK A O.P. HARRISON SUB PB 2 PG 25 SEC 17 T4N R16E LESS E-15' OF EACH LOT
Legal Range	16E
Legal Township	04N
Legal Section	17
Legal Subdivision	O.P. HARRISON
Legal Block	A
Legal Lot Number	10-12
Jurisdiction	COVINGTON AL
Township / Civil Division	ANDALUSIA
Census Block Group	3
Census Block	3027
Census Tract	962000

Owner

Source: Covington County records, as of June 23, 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	16370 VICTORY LN, ANDALUSIA, AL 36421-5576
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 10, 2026	Re-recorded Document NONE LISTED ON DOCUMENT
Jun 26, 2023	Deed of Trust, Mortgage · Conventional Mortgage THE FIRST NATIONAL BANK OF DOZIER
Nov 5, 2021	Warranty Deed, Transfer · Conventional Mortgage THE FIRST NATIONAL BANK OF DOZIER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 15, 2024 · Amount on Record
Deed Sale	Jul 15, 2024 · Amount on Record
Prior Sale	Nov 5, 2021 · Amount on Record
Deed Book / Page	2024 / 11738
Last Transfer Date	Jun 9, 2026
Transfer Doc	2026012970
Record Updated	Sep 20, 2026

June 2026: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	COVINGTON AL
Recording Date	Jun 10, 2026
Property Address	405 E 4TH ST, ANDALUSIA, AL 36420-3279
Document Number	2026012970
Book / Page	2026 / 12970
Instrument Date	Jun 9, 2026
Record Updated	Aug 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16370 VICTORY LN, ANDALUSIA, AL 36421-5576
Investor	Possibly a Property Investor

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COVINGTON AL
Property Address	405 E 4TH ST, ANDALUSIA, AL 36420-3279
Transaction Type	Mortgage
Record Updated	Jul 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 E 4TH ST, ANDALUSIA, AL 36420-3279

Mortgage

Document Number	2023/11088
Date	Jun 26, 2023
Book Page	2023/11088

Lender

Name	THE FIRST NATIONAL BANK OF DOZIER
Type	Bank
Address	DOZIER, AL 36028

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Jun 15, 2028

Interest

Rate Type	Adjustable Rate
Rate	9.25%
Type Change Date	Jun 15, 2023
Change Frequency	Monthly
Max Rate At Change	7.25%
Index	Other
Margin	1
Max Rate	14.2%

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COVINGTON AL
Recording Date	Nov 5, 2021
Property Address	405 E 4TH ST, ANDALUSIA, AL 36420-3279
Document Number	2021/26734
Book / Page	2021 / 26734
Map Reference	MB 2 PG 25
Instrument Date	Nov 3, 2021
Transaction Type	Transfer
Record Updated	Jun 29, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	233 SHOEMAKER DR, DEFUNIAK SPRINGS, FL 32433-4047

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	405 E 4TH ST, ANDALUSIA, AL 36420-3279

Mortgage

Document Number	0202126736
Date	Nov 5, 2021
Instrument	2021/26736

Lender

Name	THE FIRST NATIONAL BANK OF DOZIER
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Nov 3, 2041

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Nov 3, 2026
Change Frequency	Annually
Min Rate At Change	4.25%
Max Rate At Change	9.25%
Index	Other
Margin	1
Max Rate	9.25%

Mortgage

Document Number	2021/28040
Date	Nov 23, 2021
Book Page	2021/28040

Lender

Name	THE FIRST NATIONAL BANK OF DOZIER
Type	Bank
Address	DOZIER, AL 36028

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Nov 3, 2041

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Nov 3, 2041
Change Frequency	Annually
Min Rate At Change	4.25%
Max Rate At Change	9.25%
Index	Other
Margin	1
Max Rate	9.25%

Tax Assessment & Valuation

Source: Covington County assessment roll, as of June 18, 2026

Property Jurisdictions

Type	Name
State	Alabama
Municipality	Andalusia City
County	Covington County
Unified School District	Andalusia City School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,147.00 (+165.51%) Homeowner's exemption	$29,420 (+139.19%) Land $1,400 Building $28,020	$147,100 (+19.54%) Land $7,000 Building $140,100
2024	$432.00 (+7.2%) Homeowner's exemption	$12,300 (+6.36%) Land $700 Building $11,600	$123,060 (+6.42%) Land $7,000 Building $116,060
2023	$403.00 (+9.51%) Homeowner's exemption	$11,564 (+8.54%) Land $700 Building $10,864	$115,640 (+8.54%) Land $7,000 Building $108,640
2022	$368.00 Homeowner's exemption	$10,654 Land $700 Building $9,954	$106,540 Land $7,000 Building $99,540

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 November 4, 2009 · 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 Claims	2 (1984–1998)
Most Recent Claim	Mar 1998 · Severe Storms And Flooding

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 Risk	Low lower than 64% of the US · lower than 80% of Alabama
Wildfire Likelihood	0.04% annual chance
Exposure	Direct 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 System	ANDALUSIA, UTILITIES BOARD OF serves 15,251 people · EPA ID AL0000356
Water Source	Groundwater
Last State Inspection	Dec 2023
Lead	3 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 208 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: BuzzBroadband, C Spire Wireless.

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