Elmore County property record for 45 Bains Cir, Eclectic, AL 36024
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,671 sqft · built 1968 |
| Lot Size | 0.47 acres (20,473 sqft) |
| Owner | Individual Name on File |
| Last Sale | $55,000 (Jul 2022) |
| Tax Bill | $2,972 (2026) |
| Deeds & Mortgages | Jun 2020 Mortgage Jan 2023 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-05-15-0-001-033.000 |
| Primary APN | 07-05-15-0-001-033.000 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,671 sqft Living Area |
| 1st Floor Area | 2,111 sqft |
| 2nd Floor Area | 560 sqft |
| Upper Floors Area | 560 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1968 |
| Exterior Material | Wood Shingle |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 20,473 sqft (0.47 acres) |
| Garage Type | Attached |
| Garage Area | 323 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 331 sqft |
| Deck Area | 474 sqft |
| Patio Area | 474 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 45 BAINS CIR |
|---|---|
| City | ECLECTIC |
| State | AL |
| Zip | 36024-4027 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT CI-33 CASTAWAY ISLAND #1 PB 9 PAGE 74 |
| Legal Range | 21E |
| Legal Township | 20N |
| Legal Section | 15 |
| Legal Subdivision | CASTAWAY ISLAND ADD SUB 1 |
| Legal Lot Number | CI-33 |
| Jurisdiction | ELMORE AL |
| Township / Civil Division | ECLECTIC |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 30300 |
45 Bains Cir is owned and occupied by an individual who bought it in July 2022.
Source: Elmore County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 45 BAINS CIR, ECLECTIC, AL 36024-4027 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 29, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC |
| Jan 17, 2023 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Jan 10, 2024 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 12, 2022 · Amount on File |
| Deed Sale | Jul 12, 2022 · Amount on File |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ELMORE AL |
| Property Address | 45 BAINS CIR, ECLECTIC, AL 36024-4027 |
| Transaction Type | Mortgage |
| Record Updated | Mar 19, 2026 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 2020/42845 |
|---|---|
| Date | Jun 29, 2020 |
| Book Page | 2020/42845 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jul 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ELMORE AL |
| Property Address | 45 BAINS CIR, ECLECTIC, AL 36024-4027 |
| Transaction Type | Mortgage |
| Record Updated | Mar 19, 2026 |
| Title Company | TITLE365 - OMAHA, TITLE365 OMAHA |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 02023/2042 |
|---|---|
| Date | Jan 17, 2023 |
| Book Page | 2023/2042 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 4, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ELMORE AL |
| Property Address | 45 BAINS CIR, ECLECTIC, AL 36024-4027 |
| Transaction Type | Mortgage |
| Record Updated | Mar 19, 2026 |
| Name | Verified Name |
|---|---|
| Address | 45 BAINS CIR, ECLECTIC, AL 36024-4027 |
| Investor | Possibly a Property Investor |
| Document Number | 02024/1175 |
|---|---|
| Date | Jan 10, 2024 |
| Book Page | 2024/1175 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2054 |
The 2026 property tax bill for 45 Bains Cir was $2,972, up 6.9% from the year before.
Source: Elmore County assessment roll, as of March 19, 2026
| Type | Name |
|---|---|
| State | Alabama |
| County | Elmore County |
| Unified School District | Elmore County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,972.00 (+6.87%) | ||
| 2025 | $2,781.00 (+6.88%) | $109,240 (+6.99%) | $1,304,210 (+27.71%) Land $528,790 Building $775,420 |
| 2024 | $2,602.00 | $102,100 (-0.02%) | $1,021,210 (-) Land $528,790 Building $492,420 |
| 2023 | $2,602.00 (+23.49%) | $102,121 (+24.12%) Land $52,879 Building $49,242 | $1,021,210 (+24.12%) Land $528,790 Building $492,420 |
| 2022 | $2,107.00 | $82,277 Land $51,339 Building $30,938 | $822,770 Land $513,390 Building $309,380 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45 Bains Cir in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 100 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 risk around 45 Bains Cir 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 94% of the US · lower than 98.1% of Alabama |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 66 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| C Spire Wireless Fiber · Cable | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: Windstream.
5G (outdoors only) and 4G LTE
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