4096 Forest Lakes Rd, Sterrett, AL 35147 Property Records

Shelby County property record for 4096 Forest Lakes Rd, Sterrett, AL 35147

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,138 sqft · built 2005
Lot Size	0.332 acres (14,462 sqft)
Owner	Individual on Record
Last Sale	$249,900 (Dec 2025)
Tax Bill	$968 (2025)
Deeds & Mortgages	Sep 2023 Line of Credit Dec 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`095150002001000`

Property Details

APN / Parcel Number

Primary APN	`095150002001000`

Interior

Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,138 sqft Heated Area
1st Floor Area	1,138 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	14,462 sqft (0.332 acres)
Lot Dimensions	356 ft deep x 40 ft wide
Garage Type	Attached
Garage Area	299 sqft
Parking Spaces	1 Parking Space
Porch	Slab

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4096 FOREST LAKES RD
City	STERRETT
State	AL
Zip	35147-8164
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEC/TWNSHP/RAN 15 19S 01W 2012 ANNEX ORD X 11 06 07 555 NBRHD: 17 FOREST LAKES COTTAGES R-2
Legal Range	01W
Legal Township	19S
Legal Section	15
Legal Subdivision	FOREST LAKES 11TH SEC
Legal Lot Number	581
Jurisdiction	SHELBY AL
Township / Civil Division	CHELSEA
Census Block Group	2
Census Block	2012
Census Tract	30215

Owner

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

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

Owner of Record	Individual on Record
Mailing Address	4096 FOREST LAKES RD, STERRETT, AL 35147-8164
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 11, 2023	Deed of Trust, Mortgage · Line of Credit AMERICAS FIRST FCU
Dec 16, 2025	Warranty Deed, Transfer · VA Mortgage SOUTHPOINT BANK
Nov 5, 2019	Warranty Deed, Transfer CALIBER HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 16, 2025 · Amount on Record
Deed Sale	Dec 16, 2025 · Amount on Record
Prior Sale	Nov 5, 2019 · Amount on Record
Deed Document Number	2025383610
Record Updated	Jun 8, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY AL
Property Address	4096 FOREST LAKES RD, STERRETT, AL 35147-8164
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4096 FOREST LAKES RD, STERRETT, AL 35147-8164

Mortgage

Document Number	0000272690
Date	Sep 11, 2023
Instrument	20230911000272690

Lender

Name	AMERICAS FIRST FCU
Type	Credit Union
Address	BIRMINGHAM, AL 35203

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHELBY AL
Recording Date	Dec 16, 2025
Property Address	4096 FOREST LAKES RD, STERRETT, AL 35147-8164
Document Number	0000383610
Map Reference	MB 32 PG 137
Instrument Date	Dec 12, 2025
Instrument	20251216000383610
Transaction Type	Transfer
Record Updated	Dec 26, 2025

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	210 ONE NINETEEN BLVD # 1124, 1124, HOOVER, AL 35242-7297

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4096 FOREST LAKES RD, STERRETT, AL 35147-8164

Mortgage

Document Number	0000383620
Date	Dec 16, 2025
Instrument	20251216000383620

Lender

Name	SOUTHPOINT BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHELBY AL
Recording Date	Nov 5, 2019
Property Address	4096 FOREST LAKES RD, STERRETT, AL 35147-8164
Document Number	0000408890
Instrument Date	Oct 30, 2019
Instrument	408890
Transaction Type	Transfer
Record Updated	Nov 18, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$109.90
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4096 FOREST LAKES RD STERRETT AL 351478164, STERRETT, AL 35147-8164

Mortgage

Document Number	408900
Date	Nov 5, 2019
Instrument	408900

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 4, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Alabama
County	Shelby County
Municipality	Chelsea City
Unified School District	Shelby County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$968.00 (+0.31%)	$22,020 (+0.36%)	$220,100 (+0.32%) Land $70,000 Building $150,100
2024	$965.00 Homeowner's exemption Senior Citizen's exemption	$21,940 (+1.2%)	$219,400 (+1.25%) Land $70,000 Building $149,400
2023	Homeowner's exemption Senior Citizen's exemption	$21,680	$216,700 Land $57,000 Building $159,700

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

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.

Wildfire

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

Wildfire Risk	Moderate above 54% of the US · above 67% of Alabama
Wildfire Likelihood	0.1% 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 84 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 35
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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