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

Jefferson County property record for 434 O'Neal Dr, Hoover, AL 35226

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,054 sqft · built 1973
Lot Size	0.343 acres (14,960 sqft)
Owner	Individual Name on Record
Last Sale	$419,900 (Mar 2025)
Tax Bill	$2,791 (2025)
Deeds & Mortgages	Jun 2019 Mortgage Nov 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`39-00-10-1-002-007.000`

Property Details

APN / Parcel Number

Primary APN	`39-00-10-1-002-007.000`
Alternative APNs	`39101002007000RR00` `58805`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,054 sqft Living Area
Gross Area	3,308 sqft
1st Floor Area	2,054 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 2012
Exterior Material	Wood
Foundation Type	Wood
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	14,960 sqft (0.343 acres)
Lot Dimensions	136 ft deep x 110 ft wide
Porch	Porch
Porch Area	216 sqft
Patio Area	216 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	58805
Old Parcel Number	39101002007000RR00
Street Address	434 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 11 BL 3 EAGLE POINT SUB 99/58 BHAM
Legal Range	03W
Legal Township	19S
Legal Section	10
Legal Quarter	NE
Legal Subdivision	EAGLE POINT SUB
Legal Block	3
Legal Lot Number	11
Jurisdiction	JEFFERSON AL
Township / Civil Division	HOOVER
Census Block Group	1
Census Block	1023
Census Tract	14406

Owner

Source: Jefferson County records, as of December 15, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	434 ONEAL DR, HOOVER, AL 35226-1647
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 13, 2019	Deed of Trust, Mortgage · FHA Mortgage CONSUMER FIRST
Nov 23, 2022	Warranty Deed, Transfer · Conventional Mortgage METHOD MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 24, 2025 · Amount on Record
Deed Sale	Mar 24, 2025 · Amount on Record
Prior Sale	Nov 23, 2022 · Amount on Record
Deed Document Number	2025028549
Record Updated	Jun 8, 2026

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON AL
Property Address	434 ONEAL DR, HOOVER, AL 35226-1647
Transaction Type	Mortgage
Record Updated	May 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	434 ONEAL DR, HOOVER, AL 35226-1647

Mortgage

Document Number	0000058304
Date	Jun 13, 2019
Instrument	2019058304

Lender

Name	CONSUMER FIRST

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2049

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON AL
Recording Date	Nov 23, 2022
Property Address	434 ONEAL DR, HOOVER, AL 35226-1647
Document Number	0000119262
Instrument Date	Nov 21, 2022
Instrument	2022119262
Transaction Type	Transfer
Record Updated	Dec 12, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	434 ONEAL DR, HOOVER, AL 35226-1647

Mortgage

Document Number	0000119263
Date	Nov 23, 2022
Instrument	2022119263

Lender

Name	METHOD MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	350 Months
Due	Jan 1, 2052

Tax Assessment & Valuation

Source: Jefferson County assessment roll, as of January 1, 2025

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	$2,791.00 (+18.72%) Homeowner's exemption	$39,180 (+21.15%)	$432,600 (+33.81%) Land $189,400 Building $243,200
2023		$32,340 Land $12,304 Building $20,036	$323,300 Land $123,000 Building $200,300
2022	$2,351.00

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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