Blount County property record for 409 1st St N, Oneonta, AL 35121
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 3,448 sqft · built 1953 |
| Lot Size | 0.97 acres (42,274 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $270,000 (Sep 2020) |
| Tax Bill | $1,686 (2026) |
| Deeds & Mortgages | Oct 2024 Second Mortgage Feb 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-09-31-3-003-004 |
| Primary APN | 16-09-31-3-003-004 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 3,448 sqft Living Area |
| 1st Floor Area | 2,680 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1953 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 42,274 sqft (0.97 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 65001 |
|---|---|
| Street Address | 409 1ST ST N |
| City | ONEONTA |
| State | AL |
| Zip | 35121-1732 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 231, 232, 233, 234, 235 & 236 BLOCK 9, ONEONTA LAND & IMPROVEMENT CO FIRST ADD, MC 16M-- |
| Legal Range | 02E |
| Legal Township | 12S |
| Legal Section | 31 |
| Legal Subdivision | IMPROVEMENT CO FIRST ADD |
| Legal Block | 9 |
| Legal Lot Number | 231-236 |
| Jurisdiction | BLOUNT AL |
| Township / Civil Division | ONEONTA |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 50104 |
Source: Blount County records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 409 1ST ST N, ONEONTA, AL 35121-1732 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 7, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Feb 1, 2022 | Deed of Trust, Mortgage PLANET HOME LENDING LLC |
| Sep 22, 2020 | Warranty Deed, Transfer · Conventional Mortgage CLASSIC HOME MORTGAGE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 22, 2020 · Amount on File |
| Deed Sale | Sep 22, 2020 · Amount on File |
| Deed Document Number | 202010020214 |
| Deed Book / Page | 2020 / 29279 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLOUNT AL |
| Property Address | 409 1ST ST N, ONEONTA, AL 35121-1732 |
| Transaction Type | Mortgage |
| Record Updated | Dec 19, 2025 |
| Name | Verified Name |
|---|---|
| Address | 409 1ST ST N, ONEONTA, AL 35121-1732 |
| Document Number | 2024/26435 |
|---|---|
| Date | Oct 7, 2024 |
| Book Page | 2024/26435 |
| Instrument | 10061168 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 327 Months |
| Due | Jan 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLOUNT AL |
| Property Address | 409 1ST ST N, ONEONTA, AL 35121-1732 |
| Transaction Type | Mortgage |
| Record Updated | Nov 16, 2023 |
| Name | Verified Name |
|---|
| Document Number | 02022/3437 |
|---|---|
| Date | Feb 1, 2022 |
| Book Page | 2022/3437 |
| Instrument | 10035308 |
| Name | PLANET HOME LENDING LLC |
|---|---|
| Type | Lending Institution |
| Amount | Amount on Record |
|---|---|
| Term | 359 Months |
| Due | Jan 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLOUNT AL |
| Recording Date | Sep 22, 2020 |
| Property Address | 409 1ST ST N, ONEONTA, AL 35121-1732 |
| Document Number | 2020/29279 |
| Book / Page | 2020 / 29279 |
| Instrument Date | Aug 27, 2020 |
| Instrument | 10020214 |
| Transaction Type | Transfer |
| Record Updated | May 30, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 2020/29282 |
|---|---|
| Date | Sep 22, 2020 |
| Book Page | 2020/29282 |
| Instrument | 10020215 |
| Name | CLASSIC HOME MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2050 |
Source: Blount County assessment roll, as of August 25, 2026
| Type | Name |
|---|---|
| State | Alabama |
| County | Blount County |
| Municipality | Oneonta City |
| Unified School District | Oneonta City School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,686.00 (+6.24%) Homeowner's exemption | ||
| 2025 | $1,587.00 | $36,560 (-) | $365,540 (-) Land $42,300 Building $323,240 |
| 2024 | $1,587.00 (+8.48%) Homeowner's exemption | $36,560 (+8.17%) Land $4,240 Building $32,320 | $365,540 (+8.18%) Land $42,300 Building $323,240 |
| 2023 | $1,463.00 (+6.4%) Homeowner's exemption | $33,800 (+6.09%) Land $4,240 Building $29,560 | $337,900 (+6.07%) Land $42,300 Building $295,600 |
| 2022 | $1,375.00 Homeowner's exemption | $31,860 Land $4,240 Building $27,620 | $318,560 Land $42,300 Building $276,260 |
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.
Source: FEMA National Flood Hazard Layer, effective March 21, 2019
| 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.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF ONEONTA, UB OF THE serves 19,971 people · EPA ID AL0000103 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2023 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 77 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| GoNetspeed Fiber · Cable in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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