Shelby County property record for 428 Ramsay Rd, Birmingham, AL 35242
| Property Type | Single Family Home |
|---|---|
| Details | 4.5 ba · 4,744 sqft · built 2001 |
| Lot Size | 0.396 acres (17,250 sqft) |
| Owner | Individual Name on File |
| Last Sale | $400,000 (May 2013) |
| Tax Bill | $5,367 (2026) |
| Deeds & Mortgages | Aug 2026 Sale Feb 2024 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 035221003007000 |
| Primary APN | 035221003007000 |
|---|
| Full Baths | 4.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 4,744 sqft Heated Area |
| 1st Floor Area | 2,484 sqft |
| Upper Floors Area | 1,427 sqft |
| Basement Area | 1,162 sqft |
| Finished Basement | 1,189 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 17,250 sqft (0.396 acres) |
| Lot Dimensions | 159 ft deep x 110 ft wide |
| Garage Type | Basement |
| Porch | Patio |
| Deck Area | 336 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 428 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 | 307 |
| Jurisdiction | SHELBY AL |
| Township / Civil Division | CHELSEA |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 30220 |
428 Ramsay Rd is owned and occupied by an individual who acquired it in August 2026.
Source: Shelby County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 428 RAMSAY RD, BIRMINGHAM, AL 35242-6044 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 19, 2026 | Warranty Deed, Transfer NONE LISTED ON DOCUMENT |
| Feb 28, 2024 | Deed of Trust, Mortgage · Line of Credit RIVER BANK & TRUST |
| Jul 10, 2020 | Deed of Trust, Mortgage · Conventional Mortgage METHOD MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 23, 2013 · Amount on File |
| Deed Sale | May 23, 2013 · Amount on File |
| Prior Sale | Nov 17, 2011 · Amount on File |
| Deed Document Number | 2013212350 |
| Last Transfer Date | Aug 17, 2026 |
| Transfer Doc | 0000267310 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SHELBY AL |
| Recording Date | Aug 19, 2026 |
| Property Address | 428 RAMSAY RD, BIRMINGHAM, AL 35242-6044 |
| Document Number | 0000267310 |
| Instrument Date | Aug 17, 2026 |
| Instrument | 2026267310 |
| Transaction Type | Transfer |
| Record Updated | Sep 9, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 428 RAMSAY RD, BIRMINGHAM, AL 35242-6044 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHELBY AL |
| Property Address | 428 RAMSAY RD, BIRMINGHAM, AL 35242-6044 |
| Transaction Type | Mortgage |
| Record Updated | Mar 11, 2024 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 428 RAMSAY RD, BIRMINGHAM, AL 35242-6044 |
| Document Number | 0000051560 |
|---|---|
| Date | Feb 28, 2024 |
| Instrument | 20240228000051560 |
| Name | RIVER BANK & TRUST |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35216 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Mar 22, 2039 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHELBY AL |
| Property Address | 428 RAMSAY RD, BIRMINGHAM, AL 35242-6044 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000286870 |
|---|---|
| Date | Jul 10, 2020 |
| Instrument | 20200710000286870 |
| Name | METHOD MORTGAGE LLC |
|---|---|
| Address | BIRMINGHAM, AL 35216 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Aug 1, 2035 |
The 2026 property tax bill for 428 Ramsay Rd was $5,367 with a homeowner's exemption, up 2.2% from the year before.
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 | $5,367.00 (+2.15%) Homeowner's exemption | ||
| 2025 | $5,254.00 | $79,020 | $790,200 Land $150,000 Building $640,200 |
| 2023 | $5,267.00 Homeowner's exemption | $79,680 | $796,700 Land $150,000 Building $646,700 |
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.
FEMA maps place 428 Ramsay Rd in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 428 Ramsay Rd is moderate, ranking above 42% of the US, with a 0.08% annual chance of wildfire.
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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