Shelby County property record for 432 Ramsgate Dr, Alabaster, AL 35114
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,520 sqft · built 2010 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $342,500 (Jan 2024) |
| Tax Bill | $1,952 (2025) |
| Deeds & Mortgages | Jul 2026 Line of Credit Feb 2024 Second Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 232032005027000 |
| Primary APN | 232032005027000 |
|---|
| Full Baths | 3 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,520 sqft Heated Area |
| 1st Floor Area | 1,847 sqft |
| Basement Area | 851 sqft |
| Finished Basement | 962 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2010 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Vinyl |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 10,019 sqft (0.23 acres) |
| Lot Dimensions | 120 ft deep x 83.3 ft wide |
| Garage Type | Basement |
| Porch | Slab |
| Deck Area | 168 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 432 RAMSGATE DR |
|---|---|
| City | ALABASTER |
| State | AL |
| Zip | 35114-5465 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SEC/TWNSHP/RAN 3 21S 03W NBRHD: 02 STERLING GATE 2 R-2 |
| Legal Range | 03W |
| Legal Township | 21S |
| Legal Section | 03 |
| Legal Subdivision | CEDAR GROVE AT STERLING GATE SEC 2 PH 12 |
| Legal Lot Number | 368 |
| Jurisdiction | SHELBY AL |
| Township / Civil Division | ALABASTER-HELENA |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 30607 |
Source: Shelby County records · APN 232032005027000
Assessment roll updated April 21, 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 | 432 RAMSGATE DR, ALABASTER, AL 35114-5465 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 21, 2026 | Deed of Trust, Mortgage · Line of Credit REGIONS BANK |
| Feb 02, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage SOUTHPOINT BANK |
| Jan 09, 2024 | Warranty Deed, Transfer · FHA Mortgage SOUTHPOINT BANK |
| Jun 03, 2020 | Grant Deed, Transfer · FHA Mortgage BANCORPSOUTH |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 09, 2024 · Amount on Record |
| Deed Sale | Jan 09, 2024 · Amount on Record |
| Prior Sale | Jun 03, 2020 · Amount on Record |
| Deed Document Number | 20246790 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHELBY AL |
| Recording Date | Jul 21, 2026 |
| Property Address | 432 RAMSGATE DR, ALABASTER, AL 35114-5465 |
| Document Number | 0000232150 |
| Instrument Date | Jul 14, 2026 |
| Instrument | 2026232150 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2026 |
| Title Company | WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER |
| Name | Verified Name |
|---|---|
| Address | 432 RAMSGATE DR, ALABASTER, AL 35114-5465 |
| Document Number | 0000232150, |
|---|---|
| Date | Jul 21, 2026 |
| Instrument | 2026232150 |
| Name | REGIONS BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Aug 01, 2041 |
| Rate | 5.81% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHELBY AL |
| Property Address | 432 RAMSGATE DR, MAYLENE, AL 35114-5465 |
| Transaction Type | Mortgage |
| Record Updated | Feb 13, 2024 |
| Name | Verified Name |
|---|---|
| Address | 432 RAMSGATE DR, MAYLENE, AL 35114-5465 |
| Document Number | 0000027280 |
|---|---|
| Date | Feb 02, 2024 |
| Instrument | 20240202000027280 |
| Name | SOUTHPOINT BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35243 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SHELBY AL |
| Recording Date | Jan 09, 2024 |
| Property Address | 432 RAMSGATE DR, MAYLENE, AL 35114-5465 |
| Document Number | 0000006790 |
| Map Reference | MB 38 PG 45 |
| Instrument Date | Jan 08, 2024 |
| Instrument | 20240109000006790 |
| Transaction Type | Transfer |
| Record Updated | Jan 19, 2024 |
| Title Company | SMITH CLOSING & TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 432 RAMSGATE DR, MAYLENE, AL 35114-5465 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 432 RAMSGATE DR, MAYLENE, AL 35114-5465 |
| Document Number | 0000006800 |
|---|---|
| Date | Jan 09, 2024 |
| Instrument | 20240109000006800 |
| Name | SOUTHPOINT BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2054 |
| Document Number | 0000006810 |
|---|---|
| Date | Jan 09, 2024 |
| Instrument | 20240109000006810 |
| Name | SOUTHPOINT BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35243 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SHELBY AL |
| Recording Date | Jun 03, 2020 |
| Property Address | 432 RAMSGATE DR, MAYLENE, AL 35114-5465 |
| Document Number | 0000223350 |
| Instrument Date | May 29, 2020 |
| Instrument | 223350 |
| Transaction Type | Transfer |
| Record Updated | Jul 31, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $285.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 432 RAMSGATE DR MAYLENE AL 351145465, MAYLENE, AL 35114-5465 |
| Document Number | 223360 |
|---|---|
| Date | Jun 03, 2020 |
| Instrument | 223360 |
| Name | BANCORPSOUTH |
|---|---|
| Type | Bank |
| Address | TUPELO, MS 38803-3356 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 02, 2050 |
Source: Shelby County records · Assessment roll updated April 21, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Alabama |
| Municipality | Alabaster City |
| County | Shelby County |
| Unified School District | Alabaster City School District (KG - 12) |
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 | $1,952.00 (+10.85%) | $36,160 (+8.33%) | $361,500 (+8.3%) Land $65,000 Building $296,500 |
| 2023 | $1,761.00 (+8.37%) Homeowner's exemption | $33,380 (+8.17%) | $333,800 (+8.2%) Land $65,000 Building $268,800 |
| 2022 | $1,625.00 Homeowner's exemption | $30,860 | $308,500 Land $65,000 Building $243,500 |
Source: FEMA National Flood Hazard Layer as of January 23, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 1 (2015) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Dec 2015 · river or lake flooding |
| Wildfire Risk | Low lower than 64% of the US · lower than 80% of Alabama |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | None beyond ember reach |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Verizon.
Based on FCC filings for 238 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF ALABASTER WATER DEPARTMENT serves 40,986 people |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Jul 2023 |
| Lead | 1 ppb (2021–2023) action level 15 ppb |
| Water Quality | Total trihalomethanes not recorded as resolved · Jan 2026 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ. The full violation and enforcement history is in the system's EPA record.
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