406 Simpson St, Florence, AL 35630 Property Records

Lauderdale County property record for 406 Simpson St, Florence, AL 35630

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,110 sqft · built 1923
Lot Size	0.169 acres (7,405 sqft)
Owner	Company Name on File
Last Sale	$27,000 (Sep 2020)
Tax Bill	$678 (2025)
Deeds & Mortgages	May 2017 Mortgage Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`24-02-03-4-004-035-000`

Property Details

APN / Parcel Number

Primary APN	`24-02-03-4-004-035-000`
Alternative APNs	`050404` `49917` `50404`

Interior

Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,110 sqft Living Area
1st Floor Area	1,110 sqft
Flooring	Other
Interior Walls	Plaster

Exterior

Year Built	Built 1923
Exterior Material	Aluminum Siding
Foundation Type	Retaining Wall
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	7,405 sqft (0.169 acres)
Lot Dimensions	150 ft deep x 50 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	50404
Street Address	406 SIMPSON ST
City	FLORENCE
State	AL
Zip	35630-2346
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02
Legal Description	50 X 150 CITY OF FLORENCE SD BLK 436 LOT 13 .17 AC/C SEC 03 T3S R11W PB 1 PG 136
Legal Range	11W
Legal Township	03S
Legal Section	03
Legal Subdivision	CITY OF FLORENCE BLOCK 0436
Legal Block	436
Legal Lot Number	13
Jurisdiction	LAUDERDALE AL
Township / Civil Division	FLORENCE
Census Block Group	2
Census Block	2008
Census Tract	10600

Owner

406 Simpson St is owned by a company that bought it in September 2020.

Source: Lauderdale County records, as of November 21, 2025

Owner of Record	Company Name on File
Mailing Address	505 STAPLES DR, FLORENCE, AL 35630-6364
Owner Type	Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 10, 2017	Deed of Trust, Mortgage · Commercial Mortgage FIRST METRO BANK
Mar 2, 2021	Deed of Trust, Mortgage · Commercial Mortgage BANK INDEPENDENT
Sep 18, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 18, 2020 · Amount on File
Deed Sale	Sep 18, 2020 · Amount on File
Prior Sale	Jul 5, 2006 · Amount on File
Deed Document Number	0202049760
Deed Book / Page	2020 / 49760
Record Updated	Jun 8, 2026

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAUDERDALE AL
Property Address	406 SIMPSON ST, FLORENCE, AL 35630-2346
Transaction Type	Mortgage
Record Updated	Jun 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017/20139
Date	May 10, 2017
Book Page	2017/20139

Lender

Name	FIRST METRO BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAUDERDALE AL
Property Address	406 SIMPSON ST, FLORENCE, AL 35630-2346
Transaction Type	Mortgage
Record Updated	Jun 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021/12772
Date	Mar 2, 2021
Book Page	2021/12772

Lender

Name	BANK INDEPENDENT
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 24, 2051

Interest

Rate Type	Fixed Rate

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAUDERDALE AL
Recording Date	Sep 18, 2020
Property Address	406 SIMPSON ST, FLORENCE, AL 35630-2346
Document Number	2020/49760
Book / Page	2020 / 49760
Map Reference	MB1 PG136
Instrument Date	Sep 18, 2020
Transaction Type	Transfer
Record Updated	Jun 8, 2022

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	838 COUNTY ROAD 28, 838, FLORENCE, AL 35634-6341

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	509 WILHITE ST, FLORENCE, AL 35630-6233

Tax Assessment & Valuation

The 2025 property tax bill for 406 Simpson St was $678, down 3.6% from the year before.

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

Property Jurisdictions

Type	Name
State	Alabama
County	Lauderdale County
Municipality	Florence City
Unified School District	Florence City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$678.00 (-3.56%)	$13,840 (-3.62%)	$69,160 (-3.7%) Land $6,300 Building $62,860
2024	$703.00 (+11.76%)	$14,360 (+1,427.66%) Land $1,040 Building $13,320	$71,820 (+11.9%) Land $5,200 Building $66,620
2023	$629.00 (+16.27%)	$940 (-91.5%) Land $940	$64,180 (+16.06%) Land $4,700 Building $59,480
2022	$541.00	$11,060	$55,300 Land $5,100 Building $50,200

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 406 Simpson St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 1, 2018

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 406 Simpson 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	None 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 System	CITY OF FLORENCE WATER DEPARTMENT serves 77,766 people · EPA ID AL0000783
Water Source	Surface water
Last State Inspection	May 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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 491 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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