413 Ramsay Rd, Birmingham, AL 35242 Property Records

Shelby County property record for 413 Ramsay Rd, Birmingham, AL 35242

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 4,265 sqft · built 2002
Lot Size	0.438 acres (19,079 sqft)
Owner	2 Individual Names on File
Last Sale	$525,000 (Oct 2018)
Tax Bill	$5,009 (2026)
Deeds & Mortgages	Dec 2020 Mortgage Jan 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`035221003014000`

Property Details

APN / Parcel Number

Primary APN	`035221003014000`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	4,265 sqft Heated Area
1st Floor Area	2,338 sqft
Upper Floors Area	1,034 sqft
Basement Area	1,063 sqft
Finished Basement	1,275 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	19,079 sqft (0.438 acres)
Lot Dimensions	199 ft deep x 126 ft wide
Garage Type	Basement
Porch	Patio
Deck Area	309 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	413 RAMSAY RD
City	BIRMINGHAM
State	AL
Zip	35242-6045
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEC/TWNSHP/RAN 22 18S 01W NBRHD: 13 GREYSTONE LEGACY R-2
Legal Range	01W
Legal Township	18S
Legal Section	22
Legal Subdivision	GREYSTONE LEGACY 3RD SECTOR
Legal Lot Number	314
Jurisdiction	SHELBY AL
Township / Civil Division	CHELSEA
Census Block Group	2
Census Block	2000
Census Tract	30220

Owner

413 Ramsay Rd is owned and occupied by two individuals who bought it in October 2018.

Source: Shelby County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	413 RAMSAY RD, BIRMINGHAM, AL 35242-6045
Occupancy	Owner Occupied
Owner Type	Individual

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
Dec 21, 2020	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Jan 2, 2020	Deed of Trust, Mortgage · VA Mortgage PENNYMAC
Oct 30, 2018	Warranty Deed, Transfer · VA Mortgage BROKER SOLUTIONS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2018 · Amount on File
Deed Sale	Oct 30, 2018 · Amount on File
Prior Sale	Aug 4, 2015 · Amount on File
Deed Document Number	2018383890
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY AL
Property Address	413 RAMSAY RD, BIRMINGHAM, AL 35242-6045
Transaction Type	Mortgage
Record Updated	Sep 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000584570
Date	Dec 21, 2020
Instrument	20201221000584570

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Nov 1, 2050

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY AL
Property Address	413 RAMSAY RD, BIRMINGHAM, AL 35242-6045
Document Number	0000012640
Instrument Date	Jan 2, 2020
Transaction Type	Mortgage
Record Updated	Jan 28, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	413 RAMSAY RD BIRMINGHAM AL 352426045, BIRMINGHAM, AL 35242-6045

Mortgage

Document Number	0000012640
Date	Jan 9, 2020
Instrument	12640

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 8, 2050

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHELBY AL
Recording Date	Oct 30, 2018
Property Address	413 RAMSAY RD, BIRMINGHAM, AL 35242-6045
Document Number	0000383890
Map Reference	MB27 PG109
Instrument Date	Oct 22, 2018
Instrument	20181030000383890
Transaction Type	Transfer
Record Updated	Sep 13, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3731 W RIDGE, 3731, TUSCALOOSA, AL 35406

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	413 RAMSAY RD, BIRMINGHAM, AL 35242-6045
Investor	Possibly a Property Investor

Mortgage

Document Number	0000383900
Date	Oct 30, 2018
Instrument	20181030000383900

Lender

Name	BROKER SOLUTIONS INC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 413 Ramsay Rd was $5,009, up 5.2% from the year before.

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

Property Jurisdictions

Type	Name
State	Alabama
County	Shelby 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
2026	$5,009.00 (+5.19%)
2025	$4,762.00	$71,620	$716,100 Land $150,000 Building $566,100
2023	$4,855.00	$72,860	$728,500 Land $150,000 Building $578,500

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 Ramsay Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective January 23, 2026 · 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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	5 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

Wildfire risk around 413 Ramsay Rd is moderate, ranking above 44% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 44% of the US · above 48% of Alabama
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 78 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 / 50

Cell Coverage

5G (outdoors only) and 4G LTE

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