439 Co Rd 186, Clanton, AL 35046 Property Records

Chilton County property record for 439 Co Rd 186, Clanton, AL 35046

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,452 sqft · built 1992
Lot Size	1.02 acres (44,431 sqft)
Owner	2 Individual Names on File
Last Sale	$318,000 (Mar 2026)
Tax Bill	$722 (2025)
Deeds & Mortgages	Sep 2006 Mortgage May 2005 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`0801110000003004`

Property Details

APN / Parcel Number

Primary APN	`0801110000003004`
Alternative APNs	`94427` `5977`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,452 sqft Adjusted Area
1st Floor Area	1,008 sqft
Upper Floors Area	444 sqft
Basement Area	1,008 sqft
Finished Basement	1,008 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	44,431 sqft (1.02 acres)
Lot Dimensions	403 ft deep x 112 ft wide
Porch	Slab
Porch Area	368 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	5977
Street Address	439 COUNTY ROAD 186
City	CLANTON
State	AL
Zip	35046-5675
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM AT NE COR S 557 ALG E/L OF SEC W 188.01 TO PBO W 112.2
Legal Range	15
Legal Township	23
Legal Section	11
Jurisdiction	CHILTON AL
Township / Civil Division	MINERAL SPRINGS
Census Block Group	4
Census Block	4022
Census Tract	60300

Owner

439 Co Rd 186 is owned and occupied by two individuals who bought it in March 2026.

Source: Chilton County records, as of June 30, 2026

Owner of Record	2 Individual Names on File
Mailing Address	439 COUNTY ROAD 186, CLANTON, AL 35046-5675
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2006	Deed of Trust, Mortgage · ARM HMSV USB LENDING LLC
May 26, 2005	Deed of Trust, Mortgage · Line of Credit COLONIAL BANK NA
May 19, 2006	Deed of Trust, Mortgage REGIONS BANK
Sep 1, 2006	Deed of Trust, Mortgage · Stand-Alone Second Mortgage THE STATE OF DELWATE
May 19, 2006	Deed of Trust, Mortgage REGIONS BANK
Mar 12, 2026	Deed, Transfer · FHA Mortgage PROSPERITY HOME MORTGAGE LLC
Jun 7, 2022	Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 12, 2026 · Amount on File
Deed Sale	Mar 12, 2026 · Amount on File
Prior Sale	Mar 22, 2024 · Amount on File
Deed Document Number	2026273486
Deed Book / Page	2026 / 273486
Record Updated	Sep 20, 2026

September 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHILTON AL
Property Address	439 COUNTY ROAD 186, CLANTON, AL 35046-5675
Transaction Type	Mortgage
Record Updated	Apr 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	R2006/125135
Date	Sep 1, 2006
Book Page	R2006/125135
Instrument	125135

Lender

Name	HMSV USB LENDING LLC
Type	Non-Lending Institution
Address	OWENSBORO, KY 42301

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2036

Interest

Rate Type	Adjustable Rate
Rate	6.87%
Type Change Date	Sep 1, 2011
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	11.8%
Index	1-Year T-Bill
Max Rate	11.8%

May 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHILTON AL
Property Address	439 COUNTY ROAD 186, CLANTON, AL 35046-5675
Transaction Type	Mortgage
Record Updated	Apr 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	R2005/113244
Date	May 26, 2005
Book Page	R2005/113244
Instrument	113244

Lender

Name	COLONIAL BANK NA
Type	Bank
Address	JEMISON, AL 35085

Agreement

Type	Line of Credit
Amount	Amount on Record

May 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHILTON AL
Property Address	439 COUNTY ROAD 186, CLANTON, AL 35046-5675
Transaction Type	Mortgage
Record Updated	Apr 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	R2006/122364
Date	May 19, 2006
Book Page	R2006/122364
Instrument	122364

Lender

Name	REGIONS BANK
Type	Bank
Address	JEMISON, AL 35085

Agreement

Amount	Amount on Record

September 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHILTON AL
Property Address	439 COUNTY ROAD 186, CLANTON, AL 35046-5675
Transaction Type	Mortgage
Record Updated	Apr 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	R2006/125136
Date	Sep 1, 2006
Book Page	R2006/125136
Instrument	125136

Lender

Name	THE STATE OF DELWATE
Address	OWENSBORO, KY 42301

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 1, 2021

May 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHILTON AL
Property Address	439 COUNTY ROAD 186, CLANTON, AL 35046-5675
Transaction Type	Mortgage
Record Updated	Apr 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000386/722
Date	May 19, 2006
Book Page	386/722
Instrument	122364

Lender

Name	REGIONS BANK
Type	Bank
Address	JEMISON, AL 35085

Agreement

Amount	Amount on Record

March 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	CHILTON AL
Recording Date	Mar 12, 2026
Property Address	439 COUNTY ROAD 186, CLANTON, AL 35046-5675
Document Number	R2026/273486
Book / Page	R2026 / 273486
Instrument Date	Mar 10, 2026
Instrument	273486
Transaction Type	Transfer
Record Updated	Apr 20, 2026

Transaction

Amount	Amount on Record
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
Address	105 SHELNUTT LN, CHILDERSBURG, AL 35044-5569

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	439 COUNTY ROAD 186, CLANTON, AL 35046-5675

Mortgage

Document Number	0000273487
Date	Mar 12, 2026
Instrument	273487

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

June 2022: Foreclosure

Document Type	Foreclosure
Jurisdiction	CHILTON AL
Recording Date	Jun 7, 2022
Property Address	439 COUNTY ROAD 186, CLANTON, AL 35046-5675
Document Number	R2022/246473
Book / Page	R2022 / 246473
Instrument Date	May 23, 2022
Instrument	246473
Transaction Type	Foreclosure
Record Updated	Mar 27, 2023

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	439 COUNTY ROAD 186, CLANTON, AL 35046-5675

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4801 FREDERICA ST, OWENSBORO, KY 42301-7441

Tax Assessment & Valuation

The 2025 property tax bill for 439 Co Rd 186 was $722, down 15.8% from the year before.

Source: Chilton County assessment roll, as of March 31, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$722.00 (-15.75%)	$40,420 (-7.51%) Land $17,600 Building $22,820	$202,100 Land $88,000 Building $114,100
2024	$857.00	$43,700 (-) Land $17,600 Building $26,100
2023	$857.00 (+35.82%)	$43,700 (+22.62%) Land $17,600 Building $26,100	$218,500 (+22.62%) Land $88,000 Building $130,500
2022	$631.00	$35,640 Land $17,600 Building $18,040	$178,200 Land $88,000 Building $90,200

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

FEMA maps place 439 Co Rd 186 in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective October 18, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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

Wildfire risk around 439 Co Rd 186 is moderate, ranking above 65% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 65% of the US · above 86% of Alabama
Wildfire Likelihood	0.2% annual chance
Exposure	None beyond ember reach

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 32 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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