413 O'Neal Dr, Hoover (Birmingham), AL 35226 Property Records

Jefferson County property record for 413 O'Neal Dr, Hoover, AL 35226

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,996 sqft · built 1974
Lot Size	0.345 acres (15,038 sqft)
Owner	Individual Name on Record
Last Sale	$289,900 (Jun 2018)
Tax Bill	$2,679 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`39-00-10-1-003-005.000`

Property Details

APN / Parcel Number

Primary APN	`39-00-10-1-003-005.000`
Alternative APN	`58819`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,996 sqft Living Area
Gross Area	4,456 sqft
1st Floor Area	1,996 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Exterior Material	Brick
Foundation Type	Wood
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	15,038 sqft (0.345 acres)
Lot Dimensions	146 ft deep x 103 ft wide
Terrain	Rolling
Porch	Porch
Porch Area	240 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	58819
Street Address	413 ONEAL DR
City	HOOVER
State	AL
Zip	35226-1682
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 22 BL 3 EAGLE POINT SUB 99/58 BHAM
Legal Range	03W
Legal Township	19S
Legal Section	10
Legal Quarter	NE
Legal Subdivision	EAGLE POINT SUB
Legal Block	3
Legal Lot Number	22
Jurisdiction	JEFFERSON AL
Township / Civil Division	HOOVER
Census Block Group	1
Census Block	1021
Census Tract	14406

Owner

Source: Jefferson County records, as of December 15, 2025

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	413 ONEAL DR, HOOVER, AL 35226-1682
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage MCGOWIN KING MORTGAGE
Mar 26, 2020	Deed of Trust, Mortgage · FHA Mortgage TRUSTMARK NAT'L BK
Jun 11, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 11, 2018 · Amount on Record
Deed Sale	Jun 11, 2018 · Amount on Record
Prior Sale	Aug 5, 2014 · Amount on Record
Deed Document Number	2018059985
Record Updated	Jun 8, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON AL
Property Address	413 ONEAL DR, HOOVER, AL 35226-1682
Transaction Type	Mortgage
Record Updated	Sep 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	413 ONEAL DR, HOOVER, AL 35226-1682

Mortgage

Document Number	2021097485
Date	Aug 23, 2021
Instrument	2021097485

Lender

Name	MCGOWIN KING MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON AL
Property Address	413 ONEAL DR, HOOVER, AL 35226-1682
Document Number	0000033474
Instrument Date	Mar 26, 2020
Transaction Type	Mortgage
Record Updated	Jul 1, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	413 ONEAL DR HOOVER AL 352261682, HOOVER, AL 35226-1682

Mortgage

Document Number	0000033474
Date	Apr 7, 2020
Instrument	33474

Lender

Name	TRUSTMARK NAT'L BK
Type	Bank
Address	JACKSON, MS 39225

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 6, 2050

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON AL
Recording Date	Jun 11, 2018
Property Address	413 ONEAL DR, HOOVER, AL 35226-1682
Document Number	0000059985
Instrument Date	May 25, 2018
Instrument	2018059985
Transaction Type	Transfer
Record Updated	Jan 17, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	413 ONEAL DR, HOOVER, AL 35226-1682

Tax Assessment & Valuation

Source: Jefferson County assessment roll, as of January 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,679.00 (+4.36%) Homeowner's exemption	$37,640 (+6.99%)	$418,200 (+18.87%) Land $189,400 Building $228,800
2023		$35,180 Land $12,300 Building $22,880	$351,800 Land $123,000 Building $228,800
2022	$2,567.00

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 March 13, 2025 · 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
Flood Insurance Cost	Premium on Record median of 18 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	18 in force
Nearby Flood Claims	35 (1979–2022)
Claims Outside the SFHA	3 of 35
Most Recent Claim	Jun 2022 · river or lake flooding
Claims by Event	Severe Storms And Flooding, Oct 2021 · 4 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 98% of the US · lower than 99.5% of Alabama
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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	CENTRAL ALABAMA WATER serves 653,322 people · EPA ID AL0000738
Water Source	Surface water
Last State Inspection	Mar 2025
Lead	1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 307 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 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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