4550 Gold Dr, Mobile, AL 36619 Property Records

Mobile County property record for 4550 Gold Dr, Mobile, AL 36619

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,298 sqft · built 1991
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on File
Last Sale	$92,500 (Aug 2017)
Tax Bill	$509 (2025)
Deeds & Mortgages	Dec 2022 Second Mortgage Aug 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R023304203001017`

Property Details

APN / Parcel Number

Primary APN	`R023304203001017`
Alternative APNs	`33 04 20 3 001 017.XXX` `01681460` `1681460`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,298 sqft Living Area
1st Floor Area	1,298 sqft
Utility Room	Utility Room
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	43,560 sqft (1 acres)
Porch	Slab
Porch Area	24 sqft
Deck Area	236 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1681460
Street Address	4550 GOLD DR
City	MOBILE
State	AL
Zip	36619-1687
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 16 WHITNEY WOODS UNIT 1 MBK 27 PG 66 #SEC 20 T5S R2W #MP33 04 20 3 001
Legal Range	05S
Legal Township	05S
Legal Section	20
Legal Subdivision	WHITNEY WOODS
Legal Lot Number	16
Legal Unit	1
Jurisdiction	MOBILE AL
Township / Civil Division	MOBILE
Census Block Group	1
Census Block	1004
Census Tract	6802

Owner

4550 Gold Dr is owned and occupied by an individual who bought it in August 2017.

Source: Mobile County records, as of September 15, 2026

Owner of Record	Individual Name on File
Mailing Address	4550 GOLD DR, MOBILE, AL 36619-1687
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 27, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC
Aug 8, 2017	Warranty Deed, Transfer · FHA Mortgage EMBRACE HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 8, 2017 · Amount on File
Deed Sale	Aug 8, 2017 · Amount on File
Prior Sale	Jun 12, 2014 · Amount on File
Deed Document Number	201744988
Deed Book / Page	7541 / 395
Prior Transfer Date	Apr 10, 2014
Prior Transfer Doc	0000019213
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MOBILE AL
Property Address	4550 GOLD DR, MOBILE, AL 36619-1687
Transaction Type	Mortgage
Record Updated	Jan 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000078475
Date	Dec 27, 2022
Instrument	2022078475

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	WAYNE, PA 19087

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2053

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MOBILE AL
Recording Date	Aug 8, 2017
Property Address	4550 GOLD DR, MOBILE, AL 36619-1687
Document Number	0000044988
Book / Page	007541 / 000395
Instrument Date	Jul 31, 2017
Instrument	44988
Transaction Type	Transfer
Record Updated	Feb 28, 2019
Title Company	CRANE TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$92.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4550 GOLD DR MOBILE AL 366191687, MOBILE, AL 36619-1687

Mortgage

Document Number	44989
Date	Aug 8, 2017
Book Page	007541/000397
Instrument	44989

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 7, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 4550 Gold Dr was $509 with a homeowner's exemption, up 6% from the year before.

Source: Mobile County assessment roll, as of September 15, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$509.00 (+6.04%) Homeowner's exemption	$10,050 (+14.07%) Land $1,870 Building $8,180	$100,500 (+14.07%) Land $18,700 Building $81,800
2024	$480.00 (+1.27%) Homeowner's exemption	$8,810 (+1.26%) Land $1,700 Building $7,110	$88,100 (+1.26%) Land $17,000 Building $71,100
2023	$474.00 Homeowner's exemption	$8,700 Land $1,700 Building $7,000	$87,000 Land $17,000 Building $70,000

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 4550 Gold Dr in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective October 1, 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
Nearby Flood Claims	6 (1979–2017)
Claims Outside the SFHA	4 of 6
Most Recent Claim	Oct 2017 · other causes

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

Wildfire risk around 4550 Gold Dr is moderate, ranking above 68% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	Moderate above 68% of the US · above 89% of Alabama
Wildfire Likelihood	0.3% 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	MOBILE COUNTY WATER & FIRE PRO AUTHORITY serves 39,573 people · EPA ID AL0001002
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jan 2018
Treatment and Procedure	None last 10 years
Monitoring and Reporting	29 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 119 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Xfinity Cable	1,200 / 35

May also be available: T-Mobile.

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