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

Jefferson County property record for 442 O'Neal Dr, Hoover, AL 35226

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,073 sqft · built 1973
Lot Size	0.496 acres (21,609 sqft)
Owner	Individual Name on Record
Last Sale	$127,832 (Oct 2025)
Tax Bill	$2,848 (2025)
Deeds & Mortgages	May 2026 Line of Credit Oct 2025 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`39-00-10-1-002-008.000`

Property Details

APN / Parcel Number

Primary APN	`39-00-10-1-002-008.000`
Alternative APNs	`39101002008000RR00` `58806`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,073 sqft Living Area
Gross Area	3,687 sqft
1st Floor Area	2,073 sqft
Basement Area	1,614 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1994
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	21,609 sqft (0.496 acres)
Lot Dimensions	147 ft deep x 147 ft wide

Exterior Amenities

Pool Area	512 sqft
Porch	Open Porch
Porch Area	40 sqft
Deck Area	Deck Area
Patio Area	216 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	58806
Street Address	442 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 10 BL 3 EAGLE POINT SUB 99/58 BHAM
Legal Range	03W
Legal Township	19S
Legal Section	10
Legal Subdivision	EAGLE POINT SUB
Legal Block	3
Legal Lot Number	10
Jurisdiction	JEFFERSON AL
Township / Civil Division	HOOVER
Census Block Group	1
Census Block	1023
Census Tract	14406

Owner

Source: Jefferson County records, as of May 13, 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	442 ONEAL DR, HOOVER, AL 35226-1647
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 1, 2026	Deed of Trust, Mortgage · Line of Credit AVADIAN CREDIT UNION
Oct 3, 2025	Quit Claim Deed, Transfer Quitclaim
Jun 1, 2017	Quit Claim Deed, Transfer · FHA Mortgage HOMETOWN LNDRS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 3, 2025 · Amount on Record
Deed Sale	Oct 3, 2025 · Amount on Record
Prior Sale	Feb 7, 2013 · Amount on Record
Deed Document Number	202590871
Prior Transfer Date	Sep 29, 2025
Prior Transfer Doc	0000090871
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON AL
Recording Date	May 1, 2026
Property Address	442 ONEAL DR, HOOVER, AL 35226-1647
Document Number	0000038651
Instrument Date	Apr 27, 2026
Instrument	202638651
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	442 ONEAL DR, HOOVER, AL 35226-1647

Mortgage

Document Number	0000038651,
Date	May 1, 2026
Instrument	202638651

Lender

Name	AVADIAN CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.38%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

October 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	JEFFERSON AL
Recording Date	Oct 3, 2025
Property Address	442 ONEAL DR, HOOVER, AL 35226-1647
Document Number	0000090871
Instrument Date	Sep 29, 2025
Instrument	2025090871
Transaction Type	Transfer
Record Updated	Oct 28, 2025

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	442 ONEAL DR, HOOVER, AL 35226-1647

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	JEFFERSON AL
Recording Date	Jun 1, 2017
Property Address	442 ONEAL DR, HOOVER, AL 35226-1647
Document Number	0000054929
Instrument Date	May 25, 2017
Instrument	54929
Transaction Type	Transfer
Record Updated	Jun 6, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	442 ONEAL DR HOOVER AL 352261647, HOOVER, AL 35226-1647

Mortgage

Document Number	54930
Date	Jun 1, 2017
Instrument	54930

Lender

Name	HOMETOWN LNDRS
Address	HUNTSVILLE, AL 35806

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 31, 2047

Tax Assessment & Valuation

Source: Jefferson County assessment roll, as of March 16, 2026

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	$2,848.00 (+7.11%) Homeowner's exemption	$39,960 (+6.96%)	$440,000 (+17.77%) Land $189,400 Building $250,600
2024	$2,659.00 (-1.19%)	$37,360 (-)	$373,600 (-) Land $123,000 Building $250,600
2023		$37,360 Land $12,300 Building $25,060	$373,600 Land $123,000 Building $250,600
2022	$2,691.00

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 65% of the US · lower than 81% 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.

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 165 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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