4602 20th Ave, Valley, AL 36854 Property Records

Chambers County property record for 4602 20th Ave, Valley, AL 36854

Property Summary

Property Type	Commercial Office
Details	1,200 sqft · built 1948
Lot Size	1.27 acres (55,500 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,863 (2026)
Deeds & Mortgages	Nov 2008 Line of Credit Aug 2014 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12-18-03-07-2-008-010.000`

Property Details

APN / Parcel Number

Primary APN	`12-18-03-07-2-008-010.000`
Alternative APNs	`1803072008010000` `15409`

Interior

Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,200 sqft Living Area
1st Floor Area	1,200 sqft
Flooring	Softwood
Interior Walls	Plaster

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Exterior Material	Glass
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	55,500 sqft (1.27 acres)
Lot Dimensions	370 ft deep x 150 ft wide
Garage Type	Carport
Garage Area	320 sqft
Carport	Carport
Carport Area	320 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Slab
Canopy	180 sqft
Utility Building	160 sqft
Total Buildings	9 Buildings

Utilities, Heating & Cooling

Heating System	Gravity Furnace
Sewer	Connected

Location & Zoning

Account Number	15409
Street Address	4602 20TH AVE
City	VALLEY
State	AL
Zip	36854-3543
Property Category	Commercial
Property Type	Commercial > Office > Commercial Office
Legal Description	LOTS 1,2,3,4,5,6,7,21,22,23,24& 25 BLOCK 2E. E. ASKEW SUB.M.B. 1 PG. 28IN SE1/4 OF NW1/4.S7 T21N R29ECITY OF VALLEY
Legal Range	29
Legal Township	21
Legal Section	07
Legal Subdivision	E. E. ASKEW SUB
Legal Block	2
Legal Lot Number	1,2,3,4
Jurisdiction	CHAMBERS AL
Township / Civil Division	VALLEY
Census Block Group	3
Census Block	3050
Census Tract	954600

Owner

4602 20th Ave, a commercial property, is owned by two individuals.

Source: Chambers County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4602 20TH AVE, VALLEY, AL 36854-3543
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
Nov 3, 2008	Deed of Trust, Mortgage · Line of Credit CHERTERBANK
Aug 22, 2014	Deed of Trust, Mortgage · Commercial Mortgage PANKAJ DESAI

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

November 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMBERS AL
Property Address	4602 20TH AVE, VALLEY, AL 36854-3543
Transaction Type	Mortgage
Record Updated	May 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020085125
Date	Nov 3, 2008
Instrument	2008-5125

Lender

Name	CHERTERBANK
Address	LAGRANGE, GA 30241

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	239 Months
Due	Oct 24, 2028

August 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMBERS AL
Property Address	4602 20TH AVE, VALLEY, AL 36854-3543
Transaction Type	Mortgage
Record Updated	May 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0020142764
Date	Aug 22, 2014
Instrument	2014-2764

Lender

Name	PANKAJ DESAI
Type	Private Party
Address	00000

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 4602 20th Ave was $3,863, up 4.8% from the year before.

Source: Chambers County assessment roll, as of May 12, 2026

Property Jurisdictions

Type	Name
State	Alabama
County	Chambers County
Municipality	Valley City
Unified School District	Chambers County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,863.00 (+4.77%)
2025	$3,687.00 (+6.99%)	$109,228 (+34.68%) Land $15,480 Building $93,748	$546,140 (+34.8%) Land $77,400 Building $468,740
2024	$3,446.00	$81,100 (-) Land $15,480 Building $65,620	$405,150 (-) Land $77,400 Building $327,750
2023	$3,446.00	$81,100 (-) Land $15,480 Building $65,620	$405,150 (-) Land $77,400 Building $327,750
2022	$3,446.00	$81,100 Land $15,480 Building $65,620	$405,150 Land $77,400 Building $327,750

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

Flood

FEMA maps place 4602 20th Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2003.

Source: FEMA National Flood Hazard Layer, effective February 18, 2011 · 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	2 in force
Nearby Flood Claims	2 (2003)
Claims Outside the SFHA	1 of 2
Most Recent Claim	May 2003 · Severe Storms, Tornadoes, And Flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, May 2003 · 2 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

Wildfire risk around 4602 20th Ave 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 80% of the US · lower than 91% of Alabama
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within 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	EAST ALABAMA, WATER & FIRE PRO DISTRICT serves 17,532 people · EPA ID AL0000174
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2023
Lead	2 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 221 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
WOW Internet, Cable & Phone Cable	1,200 / 50
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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