406 Thoreau Spring Rd, Madison, AL 35758 Property Records

Madison County property record for 406 Thoreau Spring Rd, Madison, AL 35758

Property Summary

Property TypeSingle Family Home
Details2 ba · 2,836 sqft · built 2003
Lot Size0.429 acres (18,687 sqft)
Owner2 Individual Names on Record
Tax Bill$3,927 (2026)
Deeds & MortgagesNov 2025 Line of Credit
Sep 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN16-03-06-0-001-009.069

Property Details

APN / Parcel Number

Primary APN16-03-06-0-001-009.069
Alternative APN
  • 101954

Interior

Full Baths1.5 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area2,836 sqft Living Area
1st Floor Area2,836 sqft
FlooringHardwood
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2003
Effective Year BuiltEffective 2003
Exterior MaterialBrick
Construction TypeWood
Foundation TypeRetaining Wall
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area18,687 sqft (0.429 acres)
Lot Dimensions187 ft deep x 100 ft wide

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Account Number101954
Street Address406 THOREAU SPRING RD
CityMADISON
StateAL
Zip35758-3644
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 53 WALDEN PH II A RESUB OF TRACT 1 OF A RESUB OF TRACT 1 COMMON AREA B & COMMON AREA CLUBHOUSE OF WALDEN A RESUB OF TRACT
Legal Range02W
Legal Township04S
Legal Section06
Legal SubdivisionWALDEN PH II
Legal Tract1
Legal Lot Number53
JurisdictionMADISON AL
Township / Civil DivisionMADISON
Census Block Group2
Census Block2018
Census Tract11024

Owner

Source: Madison County records, as of October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address406 THOREAU SPRING RD, MADISON, AL 35758-3644
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Nov 6, 2025Deed of Trust, Mortgage · Line of Credit
REDSTONE FCU
Sep 8, 2020Deed of Trust, Mortgage · Conventional Mortgage
RELIANCE FIRST CAP

Assessor's Deed Record

Deed Names2 Names on Deed
Record UpdatedOct 29, 2026

November 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMADISON AL
Property Address406 THOREAU SPRING RD, MADISON, AL 35758-3644
Transaction TypeMortgage
Record UpdatedNov 18, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
InvestorPossibly a Property Investor

Mortgage

Document Number0000212381
DateNov 6, 2025
Book Page2025/212381
Lender
NameREDSTONE FCU
TypeCredit Union
Address220 WYNN DR NW, HUNTSVILLE, AL 35893
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueNov 5, 2055
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

September 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMADISON AL
Property Address406 THOREAU SPRING RD, MADISON, AL 35758-3644
Document Number0000091641
Instrument DateSep 8, 2020
Transaction TypeMortgage
Record UpdatedJan 5, 2021
Title CompanyOLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address406 THOREAU SPRING RD MADISON AL 357583644, MADISON, AL 35758-3644

Mortgage

Document Number0000091641
DateNov 16, 2020
Instrument91641
Lender
NameRELIANCE FIRST CAP
TypeFunding / Finance Company
AddressMELVILLE, NY 11747
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueNov 15, 2035

Tax Assessment & Valuation

Source: Madison County assessment roll, as of November 17, 2025

Property Jurisdictions

TypeName
StateAlabama
CountyMadison County
MunicipalityMadison City
Unified School DistrictMadison City School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$3,927.00 (+2.13%)
2025$3,845.00 (+6.1%) Homeowner's exemption$55,880 (+6.03%) Land $5,400 Building $50,480$558,700 (+6.04%) Land $54,000 Building $504,700
2023$3,624.00 (+13.5%) Homeowner's exemption$52,700 (+13.33%) Land $5,400 Building $47,300$526,900 (+13.31%) Land $54,000 Building $472,900
2022$3,193.00 Homeowner's exemption$46,500 Land $5,400 Building $41,100$465,000 Land $54,000 Building $411,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies6 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

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

Wildfire RiskLow
lower than 97% of the US · lower than 99.2% of Alabama
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 104 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable
2,000 / 250
WOW Internet, Cable & Phone
Cable
1,200 / 50
Verizon
Fixed Wireless
300 / 20
T-Mobile
Fixed Wireless
100 / 20

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