4098 River Oaks Rd, Millbrook, AL 36054 Property Records

Elmore County property record for 4098 River Oaks Rd, Millbrook, AL 36054

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,356 sqft · built 2021
Lot Size	1.3 acres (56,628 sqft)
Owner	Individual Name on Record
Tax Bill	$579 (2026)
Deeds & Mortgages	Dec 2020 Mortgage Nov 2021 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`26-05-22-0-001-013.009`

Property Details

APN / Parcel Number

Primary APN	`26-05-22-0-001-013.009`
Alternative APN	`538340`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,356 sqft Living Area
1st Floor Area	2,356 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	56,628 sqft (1.3 acres)
Porch	Slab
Deck Area	216 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	4098 RIVER OAKS RD
City	MILLBROOK
State	AL
Zip	36054-4816
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 20 RIVER OAKS PLAT NO 2 PB 4 PAGE 33, ELMORE COUNTY.
Legal Range	17E
Legal Township	17N
Legal Section	22
Legal Subdivision	RIVER OAKS
Legal Lot Number	20
Jurisdiction	ELMORE AL
Township / Civil Division	ELMORE
Census Block Group	3
Census Block	3021
Census Tract	31300

Owner

Source: Elmore 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	Individual Name on Record
Mailing Address	4098 RIVER OAKS RD, MILLBROOK, AL 36054-4816
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 8, 2020	Deed of Trust, Mortgage FIRST COMMUNITY BANK OF CENTRAL ALABAMA
Nov 1, 2021	Warranty Deed, Transfer · Conventional Mortgage FIRST COMMUNITY BANK OF CENTRAL ALA

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Oct 27, 2021
Transfer Doc	2021/91740
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELMORE AL
Property Address	4098 RIVEROAKS RD, MILLBROOK, AL 36054-4816
Transaction Type	Mortgage
Record Updated	Jun 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	835 GUNNELLS RD, DEATSVILLE, AL 36022-4034

Mortgage

Document Number	2020/90666
Date	Dec 8, 2020
Book Page	2020/90666

Lender

Name	FIRST COMMUNITY BANK OF CENTRAL ALABAMA
Type	Bank
Address	MILLBROOK, AL 36054

Agreement

Amount	Amount Recorded

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ELMORE AL
Recording Date	Nov 1, 2021
Property Address	4098 RIVEROAKS RD, MILLBROOK, AL 36054-4816
Document Number	2021/91740
Book / Page	2021 / 91740
Map Reference	MB 4 PG 34
Instrument Date	Oct 27, 2021
Transaction Type	Transfer
Record Updated	Jun 29, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4098 RIVEROAKS RD, MILLBROOK, AL 36054-4816

Mortgage

Document Number	0202191744
Date	Nov 1, 2021
Instrument	2021/91744

Lender

Name	FIRST COMMUNITY BANK OF CENTRAL ALA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 1, 2036

Tax Assessment & Valuation

Source: Elmore County assessment roll, as of March 19, 2026

Property Jurisdictions

Type	Name
State	Alabama
County	Elmore County
Unified School District	Elmore County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$579.00 (-0.69%) Homeowner's exemption Senior Citizen's exemption
2025	$583.00 (-1.02%) Homeowner's exemption Senior Citizen's exemption	$29,780 (-0.93%)	$297,810 (-0.9%) Land $41,210 Building $256,600
2024	$589.00 (-0.67%) Homeowner's exemption Senior Citizen's exemption	$30,060 (-0.86%)	$300,510 (-0.89%) Land $41,210 Building $259,300
2023	$593.00 (-52.94%)	$30,321 (+35.48%) Land $4,121 Building $26,200	$303,210 (+35.48%) Land $41,210 Building $262,000
2022	$1,260.00	$22,381 Land $4,121 Building $18,260	$223,810 Land $41,210 Building $182,600

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

Flood

Source: FEMA National Flood Hazard Layer, effective February 20, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 76 policies
Nearby Flood Policies	76 in force
Nearby Flood Claims	6 (1990–2015)
Claims Outside the SFHA	1 of 6
Most Recent Claim	Dec 2015 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Dec 2015 · 2 claims Severe Storms, Tornadoes, Flooding, And Straight-line Winds, May 2009 · 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

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

Wildfire Risk	Low lower than 80% of the US · lower than 91% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TRI COMMUNITY WATER SYSTEM serves 11,832 people · EPA ID AL0000549
Water Source	Purchased surface water from several systems
Last State Inspection	Nov 2024
Lead	Under 1 ppb (2023–2025) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T Fixed Wireless	25 / 3

Cell Coverage

5G (outdoors only) and 4G LTE

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