Shelby County property record for 424 Ramsay Rd, Birmingham, AL 35242
| Property Type | Single Family Home |
|---|---|
| Details | 4.5 ba · 4,315 sqft · built 2001 |
| Lot Size | 0.407 acres (17,729 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $496,800 (Sep 2002) |
| Tax Bill | $6,036 (2026) |
| Deeds & Mortgages | Oct 2023 Line of Credit Jun 2018 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 035221003006000 |
| Primary APN | 035221003006000 |
|---|
| Full Baths | 4.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 4,315 sqft Heated Area |
| 1st Floor Area | 2,621 sqft |
| Upper Floors Area | 1,694 sqft |
| Basement Area | 2,621 sqft |
| Unfinished Basement | 786 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 17,729 sqft (0.407 acres) |
| Lot Dimensions | 163 ft deep x 110 ft wide |
| Garage Type | Basement |
| Pool Area | 500 sqft |
| Porch | Slab |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 424 RAMSAY RD |
|---|---|
| City | BIRMINGHAM |
| State | AL |
| Zip | 35242-6044 |
| 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 | 306 |
| Jurisdiction | SHELBY AL |
| Township / Civil Division | CHELSEA |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 30220 |
Source: Shelby 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 | Individual Name on Record |
|---|---|
| Mailing Address | 424 RAMSAY RD, BIRMINGHAM, AL 35242-6044 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 20, 2023 | Deed of Trust, Mortgage · Line of Credit FIRST HORIZON BANK |
| Jun 7, 2018 | Deed of Trust, Mortgage · Conventional Mortgage IBERIABANK |
| May 20, 2021 | Deed of Trust, Mortgage · Line of Credit IBERIABANK |
| Mar 18, 2020 | Deed of Trust, Mortgage · Conventional Mortgage IBERIABANK |
| Apr 25, 2019 | Deed of Trust, Mortgage · Line of Credit IBERIABANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 20, 2002 · Amount on Record |
| Deed Sale | Sep 20, 2002 · Amount on Record |
| Prior Sale | Jan 25, 2001 · Amount on Record |
| Deed Document Number | 2002455920 |
| Prior Transfer Date | Sep 21, 2001 |
| Prior Transfer Doc | 0000455910 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHELBY AL |
| Property Address | 424 RAMSAY RD, BIRMINGHAM, AL 35242-6044 |
| Transaction Type | Mortgage |
| Record Updated | Oct 31, 2023 |
| Name | Verified Name |
|---|---|
| Address | 424 RAMSAY RD, BIRMINGHAM, AL 35242-6044 |
| Document Number | 0000309930 |
|---|---|
| Date | Oct 20, 2023 |
| Instrument | 20231020000309930 |
| Name | FIRST HORIZON BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35209 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHELBY AL |
| Property Address | 424 RAMSAY RD, BIRMINGHAM, AL 35242-6044 |
| Transaction Type | Mortgage |
| Record Updated | Jul 13, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000201480 |
|---|---|
| Date | Jun 7, 2018 |
| Instrument | 20180607000201480 |
| Name | IBERIABANK |
|---|---|
| Type | Bank |
| Address | LAFAYETTE, LA 70501 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jun 1, 2033 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHELBY AL |
| Property Address | 424 RAMSAY RD, BIRMINGHAM, AL 35242-6044 |
| Transaction Type | Mortgage |
| Record Updated | Jul 13, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000249150 |
|---|---|
| Date | May 20, 2021 |
| Instrument | 20210520000249150 |
| Name | IBERIABANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35209 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 356 Months |
| Due | Jan 6, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHELBY AL |
| Property Address | 424 RAMSAY RD, BIRMINGHAM, AL 35242-6044 |
| Document Number | 0000115510 |
| Instrument Date | Mar 18, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 29, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 424 RAMSAY RD BIRMINGHAM AL 352426044, BIRMINGHAM, AL 35242-6044 |
| Document Number | 0000115510 |
|---|---|
| Date | Mar 24, 2020 |
| Instrument | 115510 |
| Name | IBERIABANK |
|---|---|
| Type | Bank |
| Address | LAFAYETTE, LA 70501 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Mar 23, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHELBY AL |
| Property Address | 424 RAMSAY RD, BIRMINGHAM, AL 35242-6044 |
| Document Number | 0000157690 |
| Instrument Date | Apr 25, 2019 |
| Transaction Type | Mortgage |
| Record Updated | May 17, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 424 RAMSAY RD BIRMINGHAM AL 352426044, BIRMINGHAM, AL 35242-6044 |
| Document Number | 0000157690 |
|---|---|
| Date | May 9, 2019 |
| Instrument | 157690 |
| Name | IBERIABANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35209 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 8, 2049 |
| Rate Type | Adjustable Rate |
|---|
Source: Shelby County assessment roll, as of April 21, 2026
| Type | Name |
|---|---|
| State | Alabama |
| County | Shelby County |
| Municipality | Hoover City |
| Unified School District | Hoover City School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,036.00 (+5.34%) Homeowner's exemption | ||
| 2025 | $5,730.00 (-0.14%) | $86,180 (-0.67%) | $861,630 (-0.67%) Land $150,000 Building $711,630 |
| 2023 | $5,738.00 Homeowner's exemption | $86,760 | $867,420 Land $150,000 Building $717,420 |
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.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 42% of the US · above 43% of Alabama |
|---|---|
| Wildfire Likelihood | 0.08% 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.
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 |
| 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.
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 |
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