413 3rd St SW, Cullman, AL 35055 Property Records

Cullman County property record for 413 3rd St SW, Cullman, AL 35055

Property Summary

Property Type	Fast Food Restaurant
Details	1,620 sqft · built 1986
Lot Size	0.5 acres (21,780 sqft)
Owner	Company Name on File
Last Sale	$850,000 (May 2017)
Tax Bill	$4,295 (2025)
Deeds & Mortgages	Oct 2026 Line of Credit Jul 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`17-05-15-2-014-003.000`

Property Details

APN / Parcel Number

Primary APN	`17-05-15-2-014-003.000`
Alternative APNs	`204621` `33496`

Interior

Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,620 sqft Base Area
1st Floor Area	1,620 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	21,780 sqft (0.5 acres)
Lot Dimensions	165 ft deep x 132 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	204621
Street Address	413 3RD ST SW
City	CULLMAN
State	AL
Zip	35055-4124
Property Category	Commercial
Property Type	Commercial > Retail > Fast Food Restaurant
Legal Description	LOT 158 CITY OF CULLMAN
Legal Subdivision	CITY OF CULLMAN
Legal Lot Number	158
Jurisdiction	CULLMAN AL
Township / Civil Division	CULLMAN
Census Block Group	4
Census Block	4039
Census Tract	964800

Owner

413 3rd St SW, a commercial property, is owned by a company that bought it in May 2017.

Source: Cullman County records, as of October 14, 2026

Owner of Record	Company Name on File
Mailing Address	1402 STRATFORD RD SE, DECATUR, AL 35601-6019
Owner Type	Company
Vesting	Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2026	Deed of Trust, Mortgage · Line of Credit PEOPLES BANK
Jul 2, 2026	Deed of Trust, Mortgage · Line of Credit PEOPLES BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 26, 2017 · Amount on File
Deed Sale	May 26, 2017 · Amount on File
Deed Book / Page	661 / 304
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CULLMAN AL
Recording Date	Oct 7, 2026
Property Address	413 3RD ST SW, CULLMAN, AL 35055-4124
Document Number	2185000679
Book / Page	2185 / 679
Instrument Date	Oct 2, 2026
Transaction Type	Mortgage
Record Updated	Oct 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266

Mortgage

Document Number	2185000679,
Date	Oct 7, 2026
Book Page	2185/679

Lender

Name	PEOPLES BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Oct 2, 2031

Interest

Max Rate	-1%

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CULLMAN AL
Recording Date	Jul 2, 2026
Property Address	413 3RD ST SW, CULLMAN, AL 35055-4124
Document Number	2172000929
Book / Page	2172 / 929
Instrument Date	Jul 2, 2026
Transaction Type	Mortgage
Record Updated	Jul 16, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266

Mortgage

Document Number	2172000929,
Date	Jul 2, 2026
Book Page	2172/929

Lender

Name	PEOPLES BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Jun 30, 2031

Interest

Rate	6.48%
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 413 3rd St SW was $4,295.

Source: Cullman County assessment roll, as of November 10, 2025

Property Jurisdictions

Type	Name
State	Alabama
County	Cullman County
Municipality	Cullman City
Unified School District	Cullman City School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,295.00	$111,580	$557,900 Land $281,600 Building $276,300
2023	$4,194.00 (+21.35%)	$108,940 (+21.34%)	$544,700 (+21.34%) Land $281,600 Building $263,100
2022	$3,456.00	$89,780	$448,900 Land $185,800 Building $263,100

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

FEMA maps place 413 3rd St SW in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.

Source: FEMA National Flood Hazard Layer, effective April 26, 2018 · 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
Nearby Flood Claims	1 (2020)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2020 · Severe Thunderstorms

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

The area around 413 3rd St SW has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within ember reach

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	CULLMAN COUNTY WATER DEPARTMENT serves 57,006 people · EPA ID AL0000394
Water Source	Purchased surface water from several systems
Last State Inspection	Jul 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 226 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Spectrum, T-Mobile, Verizon.

Nearby Properties on 3rd St SW

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures