441 Cove Dr, Eclectic, AL 36024 Property Records

Elmore County property record for 441 Cove Dr, Eclectic, AL 36024

Property Summary

Property Type	Single Family Home
Details	1 ba · 784 sqft · built 2020
Lot Size	0.121 acres (5,300 sqft)
Owner	Individual Name on Record
Last Sale	$290,000 (Aug 2025)
Tax Bill	$466 (2025)
Deeds & Mortgages	Aug 2025 Sale & Mortgage Feb 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-05-21-4-003-026.000`

Property Details

APN / Parcel Number

Primary APN	`07-05-21-4-003-026.000`
Alternative APN	`642370`

Interior

Full Baths	1 Bath
Building Area	784 sqft Living Area
1st Floor Area	784 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	5,300 sqft (0.121 acres)
Lot Dimensions	100 ft deep x 53 ft wide
Porch	Slab
Deck Area	256 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump
Heating Fuel	Gas

Location & Zoning

Street Address	441 COVE DR
City	ECLECTIC
State	AL
Zip	36024-4533
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 BLK 4 UNIT 3 KOWALIGA BAY EST, IN PB 3, PG 169.
Legal Range	21E
Legal Township	20N
Legal Section	21
Legal Subdivision	KOWALIGA BAY EST UNITS
Legal Block	4
Legal Lot Number	2
Legal Unit	3
Jurisdiction	ELMORE AL
Township / Civil Division	ECLECTIC
Census Block Group	1
Census Block	1016
Census Tract	30300

Owner

Source: Elmore County records, as of October 20, 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	441 COVE DR, ECLECTIC, AL 36024-4533
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Aug 14, 2025	Warranty Deed, Transfer · VA Mortgage PATRIOT PACIFIC FINANCIAL CORP
Feb 3, 2020	Warranty Deed, Transfer · Conventional Mortgage RENASANT BANK
Jul 25, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 14, 2025 · Amount on Record
Deed Sale	Aug 14, 2025 · Amount on Record
Prior Sale	Feb 3, 2020 · Amount on Record
Deed Book / Page	2025 / 45816
Record Updated	Oct 29, 2026

August 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ELMORE AL
Recording Date	Aug 14, 2025
Property Address	441 COVE DR, ECLECTIC, AL 36024-4533
Document Number	2025/45816
Book / Page	2025 / 45816
Map Reference	MB 3 PG 169
Instrument Date	Aug 13, 2025
Transaction Type	Transfer
Record Updated	Mar 19, 2026

Transaction

Amount	Amount Recorded
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	700 TOWNE LAKE DR, MONTGOMERY, AL 36117-6071

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	441 COVE DR, ECLECTIC, AL 36024-4533

Mortgage

Document Number	0202545818
Date	Aug 14, 2025
Instrument	2025/45818

Lender

Name	PATRIOT PACIFIC FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	353 Months
Due	Jan 1, 2055

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ELMORE AL
Recording Date	Feb 3, 2020
Property Address	441 COVE DR, ECLECTIC, AL 36024-4533
Document Number	2020/07068
Book / Page	2020 / 07068
Map Reference	MB 3 PG 169
Instrument Date	Jan 31, 2020
Transaction Type	Transfer
Record Updated	Mar 19, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	300 POINT RD, ECLECTIC, AL 36024-4559

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	700 TOWNE LAKE DR, MONTGOMERY, AL 36117-6071

Mortgage

Document Number	0202007071
Date	Feb 3, 2020
Instrument	2020/07071

Lender

Name	RENASANT BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2050

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ELMORE AL
Recording Date	Jul 25, 2019
Property Address	441 COVE DR, ECLECTIC, AL 36024-4533
Document Number	2019/37521
Book / Page	2019 / 37521
Map Reference	MB 287 PG 435
Instrument Date	Jul 16, 2019
Transaction Type	Transfer
Record Updated	Mar 19, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1190 WILLOW WAY EAST, ARAB, AL 35016

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	235 RABBIT POINT RD, CROPWELL, AL 35054-3057

Tax Assessment & Valuation

Source: Elmore County assessment roll, as of March 19, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$466.00 (-10.38%)	$18,640 (-0.85%)	$93,190 (-0.85%) Land $9,430 Building $83,760
2024	$520.00 (-0.76%)	$18,800 (-0.83%)	$93,990 (-0.84%) Land $9,430 Building $84,560
2023	$524.00 (+27.49%)	$18,958 (+31.11%) Land $1,886 Building $17,072	$94,790 (+31.11%) Land $9,430 Building $85,360
2022	$411.00	$14,460 Land $1,886 Building $12,574	$72,300 Land $9,430 Building $62,870

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 February 20, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2021)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2021 · rainfall accumulation

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	Moderate above 54% of the US · above 67% of Alabama
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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 ELMORE WATER & SEWER AUTHORITY serves 39,798 people · EPA ID AL0000547
Water Source	Surface water
Last State Inspection	Aug 2023
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 88 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
C Spire Wireless Fiber · Cable	10,000 / 10,000
Windstream DSL · Fiber in parts of the area	200 / 20

May also be available: Spectrum, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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