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409 Ramsay Rd, Birmingham, AL 35242 Property Records

Shelby County property record for 409 Ramsay Rd, Birmingham, AL 35242

Property Summary

Property TypeSingle Family Home
Details4.5 ba · 3,519 sqft · built 2002
Lot Size0.462 acres (20,125 sqft)
Owner2 Individual Names on Record
Last Sale$799,900 (Apr 2025)
Tax Bill$4,749 (2026)
Deeds & MortgagesMar 2026 Mortgage
Jan 2021 Line of Credit
Flood ZoneZone X (minimal risk)
APN035221003015000

Property Details

APN / Parcel Number

Primary APN035221003015000

Interior

Full Baths4.5 Baths
Half Baths1 Half Bath
Total Rooms8 Rooms
Stories2 Stories
Building Area3,519 sqft Heated Area
1st Floor Area2,094 sqft
Upper Floors Area974 sqft
Basement Area1,333 sqft
Finished Basement753 sqft
FlooringHardwood
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2002
Effective Year BuiltEffective 2002
Exterior MaterialBrick
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area20,125 sqft (0.462 acres)
Lot Dimensions199 ft deep x 120 ft wide
Garage TypeBasement
PorchSlab
Deck Area216 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Street Address409 RAMSAY RD
CityBIRMINGHAM
StateAL
Zip35242-6045
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSEC/TWNSHP/RAN 22 18S 01W NBRHD: 13 GREYSTONE LEGACY R-2
Legal Range01W
Legal Township18S
Legal Section22
Legal SubdivisionGREYSTONE LEGACY 3RD SECTOR
Legal Lot Number315
JurisdictionSHELBY AL
Township / Civil DivisionCHELSEA
Census Block Group2
Census Block2000
Census Tract30220

Owner

Source: Shelby 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 Address409 RAMSAY RD, BIRMINGHAM, AL 35242-6045
OccupancyOwner Occupied
Owner TypeIndividual
VestingRemainderman

Deeds, Mortgages & Sale History

DateDocument
Mar 24, 2026Deed of Trust, Mortgage · Conventional Mortgage
SOUTHSTATE BANK NA
Jan 4, 2021Deed of Trust, Mortgage · Line of Credit
FIGURE LENDING LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 8, 2025 · Amount on Record
Deed SaleApr 8, 2025 · Amount on Record
Prior SaleApr 6, 2015 · Amount on Record
Deed Document Number2025103840
Record UpdatedOct 29, 2026

March 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSHELBY AL
Property Address409 RAMSAY RD, BIRMINGHAM, AL 35242-6045
Transaction TypeMortgage
Record UpdatedApr 2, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address409 RAMSAY RD, BIRMINGHAM, AL 35242-6045

Mortgage

Document Number0000083400
DateMar 24, 2026
Instrument20260324000083400
Lender
NameSOUTHSTATE BANK NA
TypeBank
AddressCHARLESTON, SC 29406
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueApr 7, 2056

January 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSHELBY AL
Property Address409 RAMSAY RD, BIRMINGHAM, AL 35242-6045
Transaction TypeMortgage
Record UpdatedJul 13, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000000050
DateJan 4, 2021
Instrument20210104000000050
Lender
NameFIGURE LENDING LLC
TypeMortgage Company
AddressRENO, NV 89501
Agreement
TypeLine of Credit
AmountAmount Recorded
Term60 Months
DueJan 21, 2026
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

Tax Assessment & Valuation

Source: Shelby County assessment roll, as of April 21, 2026

Property Jurisdictions

TypeName
StateAlabama
CountyShelby County
MunicipalityHoover City
Unified School DistrictHoover City School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$4,749.00 (+15.52%) Homeowner's exemption
2025$4,111.00 (-0.87%)$61,820 (-1.62%)$618,100 (-1.64%) Land $150,000 Building $468,100
2023$4,147.00 Homeowner's exemption$62,840$628,400 Land $150,000 Building $478,400

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 January 23, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies5 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 RiskModerate
above 44% of the US · above 48% of Alabama
Wildfire Likelihood0.1% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemCENTRAL ALABAMA WATER
serves 653,322 people · EPA ID AL0000738
Water SourceSurface water
Last State InspectionMar 2025
Lead1 ppb (2024–2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting3
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 78 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber		5,000 / 5,000
Spectrum
Cable		1,000 / 50

Cell Coverage

5G (outdoors only) and 4G LTE

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