438 Acuff Rd, Gurley, AL 35748 Property Records

Madison County property record for 438 Acuff Rd, Gurley, AL 35748

Property Summary

Property Type	Residential Vacant Land
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on Record
Last Sale	$195,000 (Sep 2026)
Tax Bill	$167 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Dec 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`12-06-23-0-000-041.000`

Property Details

APN / Parcel Number

Primary APN	`12-06-23-0-000-041.000`
Alternative APNs	`089841` `390526` `606603`

Exterior

Lot Area	43,560 sqft (1 acres)

Location & Zoning

Account Number	606603
Street Address	438 ACUFF RD
City	GURLEY
State	AL
Zip	35748-9703
Property Category	Residential
Property Type	Vacant Land > Residential
Legal Description	SEC 23 T3 R2E LOT 22 UNRECORDED PLAT OF T E HEWLETT PROP BEG S 1306.42 FT FR CEN OF E BDRY OF SEC 23 TH S 400 FT TH S 81 DEG
Legal Range	02E
Legal Township	03S
Legal Section	23
Legal Subdivision	T E HEWLETT PROP KILLINGSWORTH
Legal Lot Number	22
Jurisdiction	MADISON AL
Township / Civil Division	NEW MARKET
Census Block Group	1
Census Block	1000
Census Tract	10200

Owner

Source: Madison County records, as of October 6, 2026

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
Mailing Address	438 ACUFF RD, GURLEY, AL 35748-9703
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 25, 2026	Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Dec 4, 2023	Deed of Trust, Mortgage · Conventional Mortgage VANDERBILT MORTGAGE & FINANCE INC
Nov 16, 2023	Correction Deed

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 25, 2026 · Amount on Record
Deed Sale	Sep 25, 2026 · Amount on Record
Prior Sale	Feb 2, 2023 · Amount on Record
Deed Document Number	2026
Deed Book / Page	2026 / 44698
Prior Transfer Date	Nov 10, 2023
Prior Transfer Doc	0000044437
Record Updated	Oct 29, 2026

September 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON AL
Recording Date	Sep 25, 2026
Property Address	438 ACUFF RD, GURLEY, AL 35748-9703
Document Number	2026044698
Book / Page	2026 / 44698
Instrument Date	Sep 25, 2026
Transaction Type	Transfer
Record Updated	Oct 6, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$19,695.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	438 ACUFF RD, GURLEY, AL 35748-9703

Mortgage

Document Number	2026209646,
Date	Sep 25, 2026
Book Page	2026/209646

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Max Rate	-1%

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON AL
Property Address	438 ACUFF RD, GURLEY, AL 35748-9703
Transaction Type	Mortgage
Record Updated	Dec 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000194473
Date	Dec 4, 2023
Book Page	MTG 2023/194473

Lender

Name	VANDERBILT MORTGAGE & FINANCE INC
Type	Mortgage Company
Address	MARYVILLE, TN 37804

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Jan 1, 2049

November 2023: Correction Deed

Document Type	Correction Deed
Jurisdiction	MADISON AL
Recording Date	Nov 16, 2023
Property Address	438 ACUFF RD, GURLEY, AL 35748-9703
Document Number	0000044437
Book / Page	DEED 2023 / 44437
Instrument Date	Nov 10, 2023
Record Updated	Dec 11, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	456 KILLINGSWORTH COVE RD, GURLEY, AL 35748-8862

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	79 COUNTY ROAD 103, GURLEY, AL 35748-7101

Tax Assessment & Valuation

Source: Madison County assessment roll, as of November 17, 2025

Property Jurisdictions

Type	Name
State	Alabama
County	Madison County
Unified School District	Madison County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$167.00	$5,000 (-) Land $5,000	$25,000 (-) Land $25,000
2023	$167.00 (+91.95%)	$5,000 (+92.31%) Land $5,000	$25,000 (+92.31%) Land $25,000
2022	$87.00	$2,600 Land $2,600	$13,000 Land $13,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 16, 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
Flood Insurance Cost	Premium on Record median of 10 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	1 (2019)
Most Recent Claim	Feb 2019 · Severe Storms, Straight-line Winds, Tornadoes, And Flooding

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 66% of the US · lower than 82% of Alabama
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 27 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
NHTC Fiber	8,000 / 8,000
Mediacom Xtream Cable	1,000 / 50

Cell Coverage

4G LTE (outdoors only), no 5G reported

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