414 Low Gap Rd, Gurley, AL 35748 Property Records

Madison County property record for 414 Low Gap Rd, Gurley, AL 35748

Property Summary

Property Type	Single Family Home
Details	1 ba · 2,299 sqft · built 1999
Lot Size	1.9 acres (82,764 sqft)
Owner	2 Individual Names on Record
Last Sale	$3,000 (Jul 2007)
Tax Bill	$932 (2025)
Deeds & Mortgages	May 2026 Mortgage Sep 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`22-02-09-0-000-006.001`

Property Details

APN / Parcel Number

Primary APN	`22-02-09-0-000-006.001`
Alternative APN	`186629`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	2,299 sqft Living Area
1st Floor Area	2,299 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	82,764 sqft (1.9 acres)
Pool Type	In-Ground Vinyl Pool
Pool Area	512 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	186629
Street Address	414 LOW GAP RD
City	GURLEY
State	AL
Zip	35748-8623
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEC 9 T5 R2E PART OF THE NE 1/4 OF OF THE NE 1/4 OF SEC 9 DESC AS COM AT THE NE COR OF SD SEC TH S ALG E BDY OF SEC 9 596 FT
Legal Range	02E
Legal Township	05S
Legal Section	09
Jurisdiction	MADISON AL
Township / Civil Division	NEW HOPE
Census Block Group	1
Census Block	1000
Census Tract	11301

Owner

Source: Madison County records, as of May 12, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	414 LOW GAP RD, GURLEY, AL 35748-8623
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 1, 2026	Deed of Trust, Mortgage · Conventional Mortgage FIRST JACKSON BANK INC
Sep 15, 2020	Deed of Trust, Mortgage · Line of Credit CITIZENS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 17, 2007 · Amount on Record
Deed Sale	Jul 17, 2007 · Amount on Record
Deed Document Number	2007504290
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON AL
Recording Date	May 1, 2026
Property Address	414 LOW GAP RD, GURLEY, AL 35748-8623
Document Number	0000092679
Book / Page	2026 / 92679
Instrument Date	Apr 24, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	414 LOW GAP RD, GURLEY, AL 35748-8623
Investor	Possibly a Property Investor

Mortgage

Document Number	2026092679,
Date	May 1, 2026
Book Page	2026/92679

Lender

Name	FIRST JACKSON BANK INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Rate	6.38%
Max Rate	-1%

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON AL
Property Address	414 LOW GAP RD, GURLEY, AL 35748-8623
Document Number	0000074248
Instrument Date	Sep 15, 2020
Transaction Type	Mortgage
Record Updated	Oct 22, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	414 LOW GAP RD GURLEY AL 357488623, GURLEY, AL 35748-8623

Mortgage

Document Number	0000074248
Date	Sep 21, 2020
Instrument	74248

Lender

Name	CITIZENS BK
Type	Bank
Address	NEW HOPE, AL 35760

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Madison County assessment roll, as of November 17, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$932.00 (+2.76%) Homeowner's exemption	$27,200 (+2.64%) Land $4,000 Building $23,200	$271,800 (+2.64%) Land $39,900 Building $231,900
2023	$907.00 (+15.84%) Homeowner's exemption	$26,500 (+15.42%) Land $4,000 Building $22,500	$264,800 (+15.43%) Land $39,900 Building $224,900
2022	$783.00 Homeowner's exemption	$22,960 Land $2,280 Building $20,680	$229,400 Land $22,800 Building $206,600

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 September 16, 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
Flood Insurance Cost	Premium on Record median of 17 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	17 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

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	0.02% 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 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
NHTC Fiber	8,000 / 8,000

Cell Coverage

5G (outdoors only) and 4G LTE

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