45 Garner Trl, Equality, AL 36026 Property Records

Elmore County property record for 45 Garner Trl, Equality, AL 36026

Property Summary

Property Type	Single Family Home
Details	3 ba · 3,419 sqft · built 1981
Lot Size	1.03 acres (45,192 sqft)
Owner	Individual Name on Record
Tax Bill	$3,641 (2026)
Deeds & Mortgages	Jun 2020 Mortgage Jan 2016 Sale
Flood Zone	Zone X (minimal risk)
APN	`06-01-01-0-002-010.000`

Property Details

APN / Parcel Number

Primary APN	`06-01-01-0-002-010.000`
Alternative APN	`41140`

Interior

Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,419 sqft Living Area
1st Floor Area	2,442 sqft
Basement Area	2,441 sqft
Finished Basement	2,441 sqft
Unfinished Basement	2,441 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	45,192 sqft (1.03 acres)
Garage Type	Carport
Garage Area	576 sqft
Carport	Carport
Carport Area	576 sqft

Exterior Amenities

Porch	Patio
Porch Area	2,037 sqft
Patio Area	240 sqft
Boat House	840 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	45 GARNER TRL
City	EQUALITY
State	AL
Zip	36026
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT I-21 LITTLE KOWALIGA CREEK #2 (9-15)
Legal Range	20E
Legal Township	20N
Legal Section	01
Legal Subdivision	LITTLE KOWALIGA CREEK
Legal Lot Number	I-21
Jurisdiction	ELMORE AL
Township / Civil Division	ECLECTIC
Census Block Group	2
Census Block	2027
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	7650 BRIGHAM DR, SANDY SPRINGS, GA 30350-5618
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage ALABAMA HOME MORTGAGE LOANS INC
Jan 8, 2016	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELMORE AL
Property Address	45 GARNER TRL, EQUALITY, AL 36026
Transaction Type	Mortgage
Record Updated	Mar 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020/38437
Date	Jun 12, 2020
Book Page	2020/38437

Lender

Name	ALABAMA HOME MORTGAGE LOANS INC
Type	Non-Lending Institution
Address	WETUMPKA, AL 36093

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

January 2016: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ELMORE AL
Recording Date	Jan 8, 2016
Property Address	45 GARNER TRL, EQUALITY, AL 36026
Document Number	02016/1023
Book / Page	2016 / 1023
Transaction Type	Transfer
Record Updated	Mar 19, 2026

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4609 DOLLY RIDGE RD, VESTAVIA, AL 35243-2205

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	7650 BRIGHAM DR, ATLANTA, GA 30350-5618

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
2026	$3,641.00 (+6.9%)
2025	$3,406.00 (+6.87%)	$134,260 (+7%)	$1,719,590 (+37.05%) Land $422,830 Building $1,296,760
2024	$3,187.00 (-0.38%)	$125,480 (-5%)	$1,254,690 (-) Land $422,830 Building $831,860
2023	$3,199.00 (+39.94%)	$250,938 (+40.3%) Land $84,566 Building $166,372	$1,254,690 (+40.3%) Land $422,830 Building $831,860
2022	$2,286.00	$178,854 Land $82,102 Building $96,752	$894,270 Land $410,510 Building $483,760

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	9 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

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

Wildfire Risk	Low lower than 98% of the US · lower than 99.5% of Alabama
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
C Spire Wireless Fiber · Cable	2,000 / 2,000

May also be available: Verizon, Windstream.

Cell Coverage

5G (outdoors only) and 4G LTE

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