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

Jefferson County property record for 429 O'Neal Dr, Hoover, AL 35226

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,978 sqft · built 1973
Lot Size	0.345 acres (15,038 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,877 (2025)
Deeds & Mortgages	Apr 2024 Mortgage Apr 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`39-00-10-1-004-045.000`

Property Details

APN / Parcel Number

Primary APN	`39-00-10-1-004-045.000`
Alternative APNs	`39101004045000RR00` `58901`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,978 sqft Living Area
Gross Area	3,042 sqft
1st Floor Area	1,978 sqft
Basement Area	1,064 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 2024
Exterior Material	Brick/Wood
Foundation Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	15,038 sqft (0.345 acres)
Lot Dimensions	146 ft deep x 103 ft wide
Porch	Slab
Porch Area	144 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	58901
Street Address	429 ONEAL DR
City	HOOVER
State	AL
Zip	35226-1646
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 13 BL 2 EAGLE POINT SUB 99/58 BHAM
Legal Range	03W
Legal Township	19S
Legal Section	10
Legal Subdivision	EAGLE POINT SUB
Legal Block	2
Legal Lot Number	13
Jurisdiction	JEFFERSON AL
Township / Civil Division	HOOVER
Census Block Group	1
Census Block	1017
Census Tract	14406

Owner

Source: Jefferson County records, as of October 21, 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	429 ONEAL DR, HOOVER, AL 35226-1646
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 25, 2024	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE
Apr 13, 2022	Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK
Mar 16, 2020	Deed of Trust, Mortgage · Line of Credit REGIONS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 25, 2024
Deed Sale	Apr 25, 2024
Deed Document Number	202437893
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON AL
Property Address	429 ONEAL DR, HOOVER, AL 35226-1646
Transaction Type	Mortgage
Record Updated	May 17, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	429 ONEAL DR, HOOVER, AL 35226-1646

Mortgage

Document Number	0000037894
Date	Apr 25, 2024
Instrument	2024037894

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2054

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON AL
Property Address	429 ONEAL DR, HOOVER, AL 35226-1646
Transaction Type	Mortgage
Record Updated	May 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	429 ONEAL DR, HOOVER, AL 35226-1646

Mortgage

Document Number	0000041582
Date	Apr 13, 2022
Instrument	2022041582

Lender

Name	REGIONS BANK

Agreement

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

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON AL
Property Address	429 ONEAL DR, HOOVER, AL 35226-1646
Document Number	0000029717
Instrument Date	Mar 16, 2020
Transaction Type	Mortgage
Record Updated	Jun 24, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	429 ONEAL DR HOOVER AL 352261646, HOOVER, AL 35226-1646

Mortgage

Document Number	0000029717
Date	Mar 24, 2020
Instrument	29717

Lender

Name	REGIONS BK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 23, 2050

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	$2,877.00 (+37.99%) Homeowner's exemption	$40,360 (+29.36%)	$403,600 (+29.36%) Land $189,400 Building $214,200
2023		$31,200 Land $12,300 Building $18,900	$312,000 Land $123,000 Building $189,000
2022	$2,085.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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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