407 S 3rd St, Gadsden, AL 35901 Property Records

Etowah County property record for 407 S 3rd St, Gadsden, AL 35901

Property Summary

Property Type	Duplex
Details	1 ba · 2,002 sqft · built 1901
Lot Size	0.179 acres (7,811 sqft)
Owner	2 Individual Names on File
Last Sale	$28,000 (Sep 2017)
Tax Bill	$1,035 (2026)
Deeds & Mortgages	Sep 2017 Mortgage Sep 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`15-02-09-1-000-066.002`

Property Details

APN / Parcel Number

Primary APN	`15-02-09-1-000-066.002`
Alternative APNs	`269836` `224181` `98615`

Interior

Full Baths	1 Bath
Total Rooms	10 Rooms
Stories	1 Story
Building Area	2,002 sqft Total Area
1st Floor Area	2,002 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1901
Effective Year Built	Effective 1901
Architectural Style	Duplex Single
Exterior Material	Wood
Foundation Type	Brick
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	7,811 sqft (0.179 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	269836
Street Address	407 S 3RD ST
City	GADSDEN
State	AL
Zip	35901-5210
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	H/S BASE YEAR LT 8 BLK 1 SOUTH PARK ADD PLAT A-301 GADSDEN 9-12-6 D-2012-3374642,D-2017-3456104(ROS),D-2023-3556788(ROS)
Legal Range	6E
Legal Township	12S
Legal Section	9
Legal Subdivision	SOUTH PARK ADD
Legal Block	1
Legal Lot Number	8
Jurisdiction	ETOWAH AL
Township / Civil Division	GADSDEN
Census Block Group	3
Census Block	3001
Census Tract	1200

Owner

407 S 3rd St, a duplex, is owned by two individuals who bought it in September 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	1609 HOOKS LAKE RD, GADSDEN, AL 35901-1835
Owner Type	Individual

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
Sep 6, 2017	Deed of Trust, Mortgage · Commercial Mortgage ALA TEACHERS CREDIT UNION
Sep 6, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 6, 2017 · Amount on File
Deed Sale	Sep 6, 2017 · Amount on File
Deed Document Number	20173456104
Record Updated	Oct 29, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ETOWAH AL
Property Address	407 S 3RD ST, GADSDEN, AL 35901-5210
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	34556105
Date	Sep 6, 2017
Instrument	34556105

Lender

Name	ALA TEACHERS CREDIT UNION
Type	Non-Lending Institution
Address	GADSDEN, AL 35901

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ETOWAH AL
Recording Date	Sep 6, 2017
Property Address	407 S 3RD ST, GADSDEN, AL 35901-5210
Document Number	3456104
Instrument Date	Sep 1, 2017
Instrument	3456104
Transaction Type	Transfer
Record Updated	Sep 13, 2021

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3610 DUNBARTON DR, 3610, MOUNTAIN BRK, AL 35223-2888

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	727 WOODMAR DR, GADSDEN, AL 35906-5850

Tax Assessment & Valuation

The 2026 property tax bill for 407 S 3rd St was $1,035, up 6.9% from the year before.

Source: Etowah County assessment roll, as of June 23, 2026

Property Jurisdictions

Type	Name
State	Alabama
County	Etowah County
Municipality	Gadsden City
Unified School District	Gadsden City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,035.00 (+6.92%)
2025	$968.00	$19,760 Land $4,920 Building $14,840	$98,800 Land $24,600 Building $74,200
2023	$1,127.00 (+46.55%)	$23,020 (+46.62%) Land $4,920 Building $18,100	$115,100 (+46.62%) Land $24,600 Building $90,500
2022	$769.00	$15,700 Land $4,920 Building $10,780	$78,500 Land $24,600 Building $53,900

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

Flood

FEMA maps place 407 S 3rd St in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective March 21, 2019 · 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
Flood Insurance Cost	Premium on File median of 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	6 (1979–1999)
Claims Outside the SFHA	2 of 6
Most Recent Claim	Jun 1999 · rainfall accumulation
Claims by Event	Severe Storms, Tornadoes & Flooding, Feb 1990 · 2 claims

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

The area around 407 S 3rd St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 GADSDEN, THE WWSB OF THE serves 44,637 people · EPA ID AL0000577
Water Source	Surface water
Last State Inspection	Jan 2024
Lead	3 ppb (2022–2024) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 258 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

May also be available: Sparklight.

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