4601 Reflection Dr, Vestavia (Birmingham), AL 35242 Property Records

Jefferson County property record for 4601 Reflection Dr, Vestavia, AL 35242

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 4,276 sqft · built 2019
Lot Size	0.61 acres (26,600 sqft)
Owner	2 Individual Names on File
Last Sale	$717,902 (Sep 2019)
Tax Bill	$8,036 (2025)
Deeds & Mortgages	Feb 2022 Mortgage May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`27-00-04-3-000-132.000`

Property Details

APN / Parcel Number

Primary APN	`27-00-04-3-000-132.000`
Alternative APN	`447432`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	1 Story
Building Area	4,276 sqft Living Area
Gross Area	6,414 sqft
1st Floor Area	2,138 sqft
Basement Area	2,138 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	26,600 sqft (0.61 acres)
Garage Area	768 sqft
Porch	Open Porch
Porch Area	270 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	447432
Street Address	4601 REFLECTION DR
City	VESTAVIA
State	AL
Zip	35242-2299
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R7
Legal Description	LOT 1098 AMENDED MAP OF HE OVERLOOK PLAT BOOK 246 PAGE 72
Legal Range	01W
Legal Township	18S
Legal Section	04
Legal Subdivision	OVERLOOK AMENDEND MAP
Legal Lot Number	1098
Jurisdiction	JEFFERSON AL
Township / Civil Division	LEEDS
Census Block Group	3
Census Block	3004
Census Tract	12703

Owner

4601 Reflection Dr is owned and occupied by two individuals who bought it in September 2019.

Source: Jefferson County records, as of June 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4601 REFLECTION DR, VESTAVIA, AL 35242-2299
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
Feb 8, 2022	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE
May 22, 2020	Deed of Trust, Mortgage BANCORPSOUTH
Sep 10, 2019	Warranty Deed, Transfer BANCORPSOUTH

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 10, 2019 · Amount on File
Deed Sale	Sep 10, 2019 · Amount on File
Deed Document Number	201994332
Record Updated	Sep 20, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON AL
Property Address	4601 REFLECTION DR, VESTAVIA, AL 35242-2299
Transaction Type	Mortgage
Record Updated	Mar 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4601 REFLECTION DR, VESTAVIA, AL 35242-2299

Mortgage

Document Number	0000014819
Date	Feb 8, 2022
Instrument	2022014819

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 1, 2037

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON AL
Property Address	4601 REFLECTION DR, VESTAVIA, AL 35242-2299
Document Number	0000055061
Instrument Date	May 22, 2020
Transaction Type	Mortgage
Record Updated	Jul 22, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4601 REFLECTION DR VESTAVIA AL 352422299, VESTAVIA, AL 35242-2299

Mortgage

Document Number	0000055061
Date	May 29, 2020
Instrument	55061

Lender

Name	BANCORPSOUTH
Type	Bank
Address	TUPELO, MS 38803-3356

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 28, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.25%

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON AL
Recording Date	Sep 10, 2019
Property Address	4601 REFLECTION DR, VESTAVIA, AL 35242-2299
Document Number	0000094332
Instrument Date	Aug 30, 2019
Instrument	94332
Transaction Type	Transfer
Record Updated	Oct 2, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$717.90
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4601 REFLECTION DR VESTAVIA AL 352422299, VESTAVIA, AL 35242-2299

Mortgage

Document Number	94333
Date	Sep 10, 2019
Instrument	94333

Lender

Name	BANCORPSOUTH
Type	Bank
Address	TUPELO, MS 38803-3356

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 9, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.99%

Tax Assessment & Valuation

The 2025 property tax bill for 4601 Reflection Dr was $8,036 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Alabama
County	Jefferson County
Municipality	Vestavia Hills City
Unified School District	Vestavia Hills City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,036.00 Homeowner's exemption	$87,360	$873,500 Land $152,000 Building $721,500
2023		$78,180 Land $15,202 Building $62,978	$781,700 Land $152,000 Building $629,700
2022	$6,338.00

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

FEMA maps place 4601 Reflection Dr in Zone X, an area of minimal flood risk.

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
Nearby Flood Policies	3 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

Wildfire risk around 4601 Reflection Dr is moderate, ranking above 52% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 52% of the US · above 63% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 51 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
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Reflection Dr

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