428 Eagle Ridge Rd, Oneonta, AL 35121 Property Records

St. Clair County property record for 428 Eagle Ridge Rd, Oneonta, AL 35121

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 2,615 sqft · built 2006
Lot Size	1.07 acres (46,609 sqft)
Owner	2 Individual Names on File
Last Sale	$661,000 (Oct 2025)
Tax Bill	$1,276 (2025)
Deeds & Mortgages	May 2021 Mortgage Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-02-09-0-000-001.003`

Property Details

APN / Parcel Number

Primary APN	`05-02-09-0-000-001.003`
Alternative APNs	`58559` `54210`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,615 sqft Heated Area
1st Floor Area	1,930 sqft
Upper Floors Area	685 sqft
Flooring	Hardwood
Interior Walls	Unfinished
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Logs
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	46,609 sqft (1.07 acres)
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Utility Building	420 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	428 EAGLE RIDGE RD
City	ONEONTA
State	AL
Zip	35121-6813
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 EAGLE MOUNTAIN 2006-9 9-13-3
Legal Range	03E
Legal Township	13S
Legal Section	09
Legal Subdivision	EAGLE MOUNTAIN
Legal Lot Number	2
Jurisdiction	ST CLAIR AL
Township / Civil Division	ASHVILLE
Census Block Group	2
Census Block	2015
Census Tract	40402

Owner

Source: St. Clair County records · APN 05-02-09-0-000-001.003

Assessment roll updated April 17, 2026 · Last verified April 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 File
Mailing Address	428 EAGLE RIDGE RD, ONEONTA, AL 35121-6813
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 03, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Aug 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Oct 01, 2025	Warranty Deed, Transfer · Conventional Mortgage PNC BANK NA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 01, 2025 · Amount on Record
Deed Sale	Oct 01, 2025 · Amount on Record
Prior Sale	Aug 27, 2012
Deed Book / Page	2025 / 13160
Record Updated	Jun 08, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR AL
Property Address	428 EAGLE RIDGE RD, ONEONTA, AL 35121-6813
Transaction Type	Mortgage
Record Updated	Apr 02, 2026
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000031199
Date	May 03, 2021
Book Page	MTG 2021/31199

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	351 Months
Due	Aug 01, 2050

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR AL
Property Address	428 EAGLE RIDGE RD, ONEONTA, AL 35121-6813
Transaction Type	Mortgage
Record Updated	Apr 02, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000057842
Date	Aug 26, 2021
Book Page	MTG 2021/57842

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 01, 2051

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR AL
Recording Date	Oct 01, 2025
Property Address	428 EAGLE RIDGE RD, ONEONTA, AL 35121-6813
Document Number	0000013160
Book / Page	DEED 2025 / 13160
Map Reference	PL 2006 PG 9
Instrument Date	Sep 30, 2025
Transaction Type	Transfer
Record Updated	Apr 02, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	235 STERLING PL, ODENVILLE, AL 35120-3703

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	428 EAGLE RIDGE RD, ONEONTA, AL 35121-6813

Mortgage

Document Number	MTG202542159
Date	Oct 01, 2025
Instrument	MTG2025/42159

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 01, 2055

Tax Assessment & Valuation

Source: St. Clair County records · Assessment roll updated April 17, 2026 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Alabama
County	St. Clair County
Unified School District	St. Clair County School District (PK - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,276.00	$42,740 (-49.99%)	$427,340 (-)
2024	$1,276.00 (+23.64%) Homeowner's exemption Disabled Person's exemption	$85,468 (-) Land $11,000 Building $74,468	$427,340 (-) Land $55,000 Building $372,340
2023		$85,468 Land $11,000 Building $74,468	$427,340 Land $55,000 Building $372,340
2022	$1,032.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of August 22, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Moderate above 51% of the US · above 62% of Alabama
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
GoNetspeed Fiber	1,000 / 1,000

Based on FCC filings for 9 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

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