4085 Co Rd 42, Steele, AL 35987 Property Records

St. Clair County property record for 4085 Co Rd 42, Steele, AL 35987

Property Summary

Property Type	Single Family Home
Details	1 ba · 2,316 sqft · built 2002
Lot Size	9.2 acres (400,752 sqft)
Owner	2 Individual Names on Record
Last Sale	$435,000 (Jan 2021)
Tax Bill	$1,580 (2025)
Deeds & Mortgages	Mar 2023 Line of Credit Apr 2020 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`05-02-03-0-000-008.001`

Property Details

APN / Parcel Number

Primary APN	`05-02-03-0-000-008.001`
Alternative APNs	`00047412` `43797` `47412`

Interior

Full Baths	1 Bath
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,316 sqft Living Area
1st Floor Area	2,316 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	400,752 sqft (9.2 acres)
Garage Type	Mixed
Garage Area	2,560 sqft
Parking Spaces	11 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	00047412
Street Address	4085 COUNTY ROAD 42
City	STEELE
State	AL
Zip	35987-3834
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM SE COR SE4 SE4 TH W 421.2' TO POB TH N 570.8' WLY ALG RD TO W LN SE4 SE4 S 517' E 906.2' TO POB 3-13-3
Legal Range	03E
Legal Township	13S
Legal Section	03
Jurisdiction	ST CLAIR AL
Township / Civil Division	ASHVILLE
Census Block Group	2
Census Block	2014
Census Tract	40402

Owner

Source: St. Clair County records, as of August 4, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	4085 COUNTY ROAD 42, STEELE, AL 35987-3834
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 21, 2023	Deed of Trust, Mortgage · Line of Credit THE HOMETOWN BANK OF ALABAMA
Apr 9, 2020	Deed of Trust, Mortgage · Line of Credit CENTENNIAL BANK
Feb 18, 2020	Deed of Trust, Mortgage · Line of Credit CENTENNIAL BANK
Jan 28, 2021	Survivorship Deed, Transfer · Conventional Mortgage TJC MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 28, 2021 · Amount on Record
Deed Sale	Jan 28, 2021 · Amount on Record
Deed Book / Page	2021 / 1104
Prior Transfer Date	Sep 27, 2010
Prior Transfer Doc	0000008272
Record Updated	Sep 20, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR AL
Property Address	4085 COUNTY ROAD 42, STEELE, AL 35987-3834
Transaction Type	Mortgage
Record Updated	Apr 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 66, REMLAP, AL 35133-0066

Mortgage

Document Number	0000008304
Date	Mar 21, 2023
Book Page	MTG 2023/8304

Lender

Name	THE HOMETOWN BANK OF ALABAMA
Type	Bank
Address	ONEONTA, AL 35121

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Mar 20, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR AL
Property Address	4085 COUNTY ROAD 42, STEELE, AL 35987-3834
Transaction Type	Mortgage
Record Updated	Sep 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014686
Date	Apr 9, 2020
Book Page	MTG 2020/14686

Lender

Name	CENTENNIAL BANK
Type	Bank
Address	PORT SAINT JOE, FL 32456

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR AL
Property Address	4085 COUNTY ROAD 42, STEELE, AL 35987-3834
Transaction Type	Mortgage
Record Updated	Sep 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006700
Date	Feb 18, 2020
Book Page	MTG 2020/6700

Lender

Name	CENTENNIAL BANK
Type	Bank
Address	PORT SAINT JOE, FL 32456

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	ST CLAIR AL
Recording Date	Jan 28, 2021
Property Address	4085 COUNTY ROAD 42, STEELE, AL 35987-3834
Document Number	0000001104
Book / Page	DEED 2021 / 1104
Instrument Date	Jan 25, 2021
Transaction Type	Transfer
Record Updated	Sep 15, 2022
Title Company	SOUTH OAK TTL TRUSSVILLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	290 RUDYS BLAZE DR, 290, WEWAHITCHKA, FL 32465-3030

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	4085 COUNTY ROAD 42, STEELE, AL 35987-3834

Mortgage

Document Number	MTG20216605
Date	Jan 28, 2021
Instrument	MTG 2021/6605

Lender

Name	TJC MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

Tax Assessment & Valuation

Source: St. Clair County assessment roll, as of August 4, 2026

Property Jurisdictions

Type	Name
State	Alabama
County	St. Clair County
Unified School District	St. Clair County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,580.00 (-1.99%)	$52,540 (-37.82%)	$525,140 (+24.3%)
2023		$84,493 Land $9,891 Building $74,602	$422,466 Land $49,456 Building $373,010
2022	$1,612.00

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 August 22, 2024 · 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 Policies	1 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 Risk	Moderate above 59% of the US · above 76% of Alabama
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6

Cell Coverage

4G LTE only, no 5G reported

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