440 Cain Rd, Somerville, AL 35670 Property Records

Morgan County property record for 440 Cain Rd, Somerville, AL 35670

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,533 sqft · built 1962
Lot Size	3.5 acres (152,460 sqft)
Owner	2 Individual Names on File
Tax Bill	$496 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Jun 2007 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`11-07-25-0-000-016.000`

Property Details

APN / Parcel Number

Primary APN	`11-07-25-0-000-016.000`
Alternative APNs	`24140` `85809`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,533 sqft Living Area
1st Floor Area	1,533 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	152,460 sqft (3.5 acres)

Location & Zoning

Account Number	85809
Street Address	440 CAIN RD
City	SOMERVILLE
State	AL
Zip	35670-4712
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM AT SW COR OF SW1/4 OF SW1/4 SEC 25, T6S, R3W, TH N 331.35', TH E 240' TO TPOB TH N 421.35', TH E 420', TH CONT E 27.5' TO
Legal Range	3W
Legal Township	6S
Legal Section	25
Legal Subdivision	MEADOWBROOK ESTATES
Jurisdiction	MORGAN AL
Township / Civil Division	SOMERVILLE
Census Block Group	1
Census Block	1029
Census Tract	5405

Owner

440 Cain Rd is owned and occupied by two individuals.

Source: Morgan County records, as of July 2, 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	440 CAIN RD, SOMERVILLE, AL 35670-4712
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage RENASANT BANK
Jun 15, 2007	Deed of Trust, Mortgage · Line of Credit WACHOVIA BANK NA
Jan 29, 2016	Deed of Trust, Mortgage · Conventional Mortgage BANCORPSOUTH BANK STATE CHARTERED INSTIT
Feb 14, 2005	Deed of Trust, Mortgage · Conventional Mortgage FIRST MAGNUS FINANCIAL CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN AL
Property Address	440 CAIN RD, SOMERVILLE, AL 35670-4712
Transaction Type	Mortgage
Record Updated	Jun 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020/55906
Date	Dec 9, 2020
Book Page	2020/55906

Lender

Name	RENASANT BANK
Type	Bank
Address	BIRMINGHAM, AL 35203

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

June 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN AL
Property Address	440 CAIN RD, SOMERVILLE, AL 35670-4712
Transaction Type	Mortgage
Record Updated	Jun 19, 2026
Title Company	FISERV LENDING SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	2007/33207
Date	Jun 15, 2007
Book Page	2007/33207

Lender

Name	WACHOVIA BANK NA
Type	Bank
Address	CHARLOTTE, NC 28288

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	May 22, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN AL
Property Address	440 CAIN RD, SOMERVILLE, AL 35670-4712
Transaction Type	Mortgage
Record Updated	Jun 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2016/02725
Date	Jan 29, 2016
Book Page	2016/02725

Lender

Name	BANCORPSOUTH BANK STATE CHARTERED INSTIT
Type	Bank
Address	TUPELO, MS 38803

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2046

February 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN AL
Property Address	440 CAIN RD, SOMERVILLE, AL 35670-4712
Transaction Type	Mortgage
Record Updated	Jun 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2005/07430
Date	Feb 14, 2005
Book Page	2005/07430

Lender

Name	FIRST MAGNUS FINANCIAL CORP
Type	Funding / Finance Company
Address	86711

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	372 Months
Due	Feb 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 440 Cain Rd was $496 with a homeowner's exemption.

Source: Morgan County assessment roll, as of June 19, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$496.00	$14,710 (+0.62%) Land $4,570 Building $10,140	$147,100 (+0.62%) Land $45,700 Building $101,400
2024		$14,620 (-) Land $4,570 Building $10,050	$146,200 (-) Land $45,700 Building $100,500
2023	$493.00 (+6.94%) Homeowner's exemption	$14,620 (+6.25%) Land $4,570 Building $10,050	$146,200 (+6.25%) Land $45,700 Building $100,500
2022	$461.00 Homeowner's exemption	$13,760 Land $4,160 Building $9,600	$137,600 Land $41,600 Building $96,000

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 440 Cain Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 4, 2022

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 440 Cain Rd is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 91% of Alabama
Wildfire Likelihood	0.03% 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 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
FlashFiber Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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