Franklin County property record for 414 McCarthy Dr, Red Bay, AL 35582
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,821 sqft · built 1972 |
| Lot Size | 0.35 acres (15,225 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $519 (2026) |
| Deeds & Mortgages | Dec 2018 Mortgage May 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-05-21-0-000-005.000 0 |
| Primary APN | 07-05-21-0-000-005.000 0 |
|---|---|
| Alternative APN |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 3 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,821 sqft Living Area |
| 1st Floor Area | 1,821 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Exterior Material | Brick |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 15,225 sqft (0.35 acres) |
| Lot Dimensions | 145 ft deep x 105 ft wide |
| Garage Area | 480 sqft |
| Porch | Open Porch |
| Porch Area | 100 sqft |
| Heating System | Gravity Furnace |
|---|
| Account Number | 0000444171 |
|---|---|
| Street Address | 414 MCCARTHY DR |
| City | RED BAY |
| State | AL |
| Zip | 35582-4707 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT OF NW1/4 OF NE1/4 OF SECTION 21 T7S R15W LOT 57 MCCARTHY MEADOWS ADDITION |
| Legal Range | 15W |
| Legal Township | 07S |
| Legal Section | 21 |
| Legal Subdivision | MCCARTHY MEADOWS ADD |
| Legal Lot Number | 57 |
| Jurisdiction | FRANKLIN AL |
| Township / Civil Division | RED BAY |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 973400 |
Source: Franklin County records, as of October 20, 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 MCCARTHY DR, RED BAY, AL 35582-4707 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 21, 2018 | Deed of Trust, Mortgage · Conventional Mortgage CB&S BANK |
| May 4, 2018 | Deed of Trust, Mortgage · FHA Mortgage DITECH FINANCIAL LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN AL |
| Property Address | 414 MCCARTHY DR, RED BAY, AL 35582-4707 |
| Transaction Type | Mortgage |
| Record Updated | Jan 10, 2019 |
| Name | Verified Name |
|---|
| Document Number | 816/289 |
|---|---|
| Date | Dec 21, 2018 |
| Book Page | 816/289 |
| Instrument | 0816-0289 |
| Name | CB&S BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Dec 1, 2028 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN AL |
| Property Address | 414 MCCARTHY DR, RED BAY, AL 35582-4707 |
| Transaction Type | Mortgage |
| Record Updated | May 16, 2018 |
| Name | Verified Name |
|---|
| Document Number | 808/594 |
|---|---|
| Date | May 4, 2018 |
| Book Page | 808/594 |
| Instrument | 18-808594 |
| Name | DITECH FINANCIAL LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | May 1, 2038 |
| Rate Type | Fixed Rate |
|---|
Source: Franklin County assessment roll, as of November 18, 2025
| Type | Name |
|---|---|
| State | Alabama |
| County | Franklin County |
| Municipality | Red Bay City |
| Unified School District | Franklin County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $519.00 (+7.68%) | ||
| 2025 | $482.00 (+11.57%) Homeowner's exemption | $12,560 (+10.18%) Land $580 Building $11,980 | $125,600 (+10.18%) Land $5,800 Building $119,800 |
| 2023 | $432.00 (+9.92%) Additional exemption filed | $11,400 (+8.57%) | $114,000 (+9.62%) Land $5,100 Building $108,900 |
| 2022 | $393.00 Additional exemption filed | $10,500 Land $500 Building $10,000 | $104,000 Land $4,700 Building $99,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 29, 2010
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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 | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | RED BAY, THE WATER WORKS & GAS BD serves 6,048 people · EPA ID AL0000607 |
|---|---|
| Water Source | Groundwater influenced by surface water |
| Last State Inspection | Feb 2026 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 43 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Freedom Fiber Fiber | 1,000 / 1,000 |
| Buckeye Cablesystem Cable | 1,000 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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