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

Jefferson County property record for 426 O'Neal Dr, Hoover, AL 35226

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 3,194 sqft · built 1973
Lot Size	0.343 acres (14,960 sqft)
Owner	2 Individual Names on Record
Last Sale	$449,000 (Jun 2025)
Tax Bill	$2,958 (2025)
Deeds & Mortgages	Jul 2023 Mortgage Dec 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`39-00-10-1-002-005.000`

Property Details

APN / Parcel Number

Primary APN	`39-00-10-1-002-005.000`
Alternative APN	`58803`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,194 sqft Living Area
Gross Area	4,791 sqft
1st Floor Area	1,597 sqft
Upper Floors Area	1,597 sqft
Basement Area	1,597 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1994
Exterior Material	Wood
Foundation Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	14,960 sqft (0.343 acres)
Lot Dimensions	136 ft deep x 110 ft wide
Porch	Porch
Porch Area	240 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	58803
Street Address	426 ONEAL DR
City	HOOVER
State	AL
Zip	35226-1647
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 13 BL 3 EAGLE POINT SUB 99/58 BHAM
Legal Range	03W
Legal Township	19S
Legal Section	10
Legal Subdivision	EAGLE POINT SUB
Legal Block	3
Legal Lot Number	13
Jurisdiction	JEFFERSON AL
Township / Civil Division	HOOVER
Census Block Group	1
Census Block	1023
Census Tract	14406

Owner

Source: Jefferson County records, as of June 23, 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	426 ONEAL DR, HOOVER, AL 35226-1647
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 11, 2023	Deed of Trust, Mortgage · Conventional Mortgage LENDAGE
Dec 15, 2021	Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LOAN SERVICING
May 13, 2020	Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LN SERVICING
Jan 30, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Jul 17, 2019	Warranty Deed, Transfer
Mar 1, 2019	Deed of Trust, Mortgage · Line of Credit REGIONS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 9, 2025 · Amount on Record
Deed Sale	Jun 9, 2025 · Amount on Record
Prior Sale	Jul 17, 2019 · Amount on Record
Deed Document Number	202553111
Prior Transfer Date	Mar 24, 1999
Prior Transfer Doc	9905000472
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON AL
Property Address	426 ONEAL DR, HOOVER, AL 35226-1647
Transaction Type	Mortgage
Record Updated	Aug 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	426 ONEAL DR, HOOVER, AL 35226-1647

Mortgage

Document Number	0000064613
Date	Jul 11, 2023
Instrument	2023064613

Lender

Name	LENDAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2038

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON AL
Property Address	426 ONEAL DR, HOOVER, AL 35226-1647
Transaction Type	Mortgage
Record Updated	Jan 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	426 ONEAL DR, HOOVER, AL 35226-1647

Mortgage

Document Number	0000142039
Date	Dec 15, 2021
Instrument	2021142039

Lender

Name	LAKEVIEW LOAN SERVICING

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON AL
Property Address	426 ONEAL DR, HOOVER, AL 35226-1647
Document Number	0000055463
Instrument Date	May 13, 2020
Transaction Type	Mortgage
Record Updated	Jul 22, 2020
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	426 ONEAL DR HOOVER AL 352261647, HOOVER, AL 35226-1647

Mortgage

Document Number	0000055463
Date	May 29, 2020
Instrument	55463

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company
Address	CORAL GABLES, FL 33146

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 28, 2050

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	JEFFERSON AL
Recording Date	Jan 30, 2020
Property Address	426 ONEAL DR, HOOVER, AL 35226-1647
Document Number	0000010125
Instrument Date	Jan 30, 2020
Instrument	10125
Transaction Type	Transfer
Record Updated	Feb 18, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	426 ONEAL DR HOOVER AL 352261647, HOOVER, AL 35226-1647

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON AL
Recording Date	Jul 17, 2019
Property Address	426 ONEAL DR, HOOVER, AL 35226-1647
Document Number	0000071680
Instrument Date	Jul 8, 2019
Instrument	2019071680
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	426 ONEAL DR, HOOVER, AL 35226-1647

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON AL
Property Address	426 ONEAL DR, HOOVER, AL 35226-1647
Document Number	0000022568
Instrument Date	Mar 1, 2019
Transaction Type	Mortgage
Record Updated	Apr 1, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	426 ONEAL DR HOOVER AL 352261647, HOOVER, AL 35226-1647

Mortgage

Document Number	0000022568
Date	Mar 14, 2019
Instrument	22568

Lender

Name	REGIONS BK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 13, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Jefferson County assessment roll, as of March 16, 2026

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	$2,958.00 (+4.27%) Homeowner's exemption	$41,480 (+6.96%)	$454,100 (+17.13%) Land $189,400 Building $264,700
2023		$38,780 Land $12,303 Building $26,477	$387,700 Land $123,000 Building $264,700
2022	$2,837.00

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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