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4649 Saint Charles Ct, Mobile, AL 36618 Property Records

Mobile County property record for 4649 Saint Charles Ct, Mobile, AL 36618

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,304 sqft · built 2005
Lot Size0.194 acres (8,467 sqft)
OwnerIndividual Name on File
Last Sale$168,000 (Jun 2022)
Tax Bill$887 (2025)
Deeds & MortgagesJun 2022 Sale & Mortgage
Jul 2018 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APNR022801111000002005

Property Details

APN / Parcel Number

Primary APNR022801111000002005
Alternative APNs
  • 28 01 11 1 000 002.005
  • 03445917
  • 3445917

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms4 Rooms
Stories1 Story
Building Area1,304 sqft Living Area
1st Floor Area1,304 sqft
FlooringTile
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2005
Effective Year BuiltEffective 2010
Exterior MaterialAluminum/Vinyl
Foundation TypeSlab (Mat/Raft)
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area8,467 sqft (0.194 acres)
Garage Area242 sqft
Parking Spaces1 Parking Space
PorchSlab
Porch Area142 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Account Number3445917
Street Address4649 SAINT CHARLES CT
CityMOBILE
StateAL
Zip36618-2062
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 45 FOREST COVE UNIT ONE MBK 107/54 #SEC 11 T4S R2W #MP28 01 11 1 000
Legal Range04S
Legal Township04S
Legal Section11
Legal SubdivisionFOREST COVE
Legal Lot Number45
JurisdictionMOBILE AL
Township / Civil DivisionMOBILE
Census Block Group1
Census Block1010
Census Tract3406

Owner

4649 Saint Charles Ct is owned and occupied by an individual who bought it in June 2022.

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

Owner of RecordIndividual Name on File
Mailing Address4649 SAINT CHARLES CT, MOBILE, AL 36618-2062
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Jun 29, 2022Warranty Deed, Transfer · FHA Mortgage
FIRST FEDERAL BANK
Jul 9, 2018Warranty Deed, Transfer
BANCORPSOUTH

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJun 29, 2022 · Amount on File
Deed SaleJun 29, 2022 · Amount on File
Prior SaleJul 9, 2018 · Amount on File
Deed Document Number202244047
Record UpdatedOct 29, 2026

June 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMOBILE AL
Recording DateJun 29, 2022
Property Address4649 SAINT CHARLES CT, MOBILE, AL 36618-2062
Document Number0000044047
Map ReferenceMB 107 PG 54
Instrument DateJun 15, 2022
Instrument2022044047
Transaction TypeTransfer
Record UpdatedJul 8, 2022

Transaction

AmountAmount on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyVerified / From Affidavit
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address8070 MEADOWOOD DR, 8070, CITRONELLE, AL 36522-5123

Transferred To (Grantee/Buyer)

NameVerified Name
Address4649 SAINT CHARLES CT, MOBILE, AL 36618-2062

Mortgage

Document Number0000044048
DateJun 29, 2022
Instrument2022044048
Lender
NameFIRST FEDERAL BANK
TypeBank
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term361 Months
DueJul 1, 2052

Mortgage

Document Number0000044049
DateJun 29, 2022
Instrument2022044049
Lender
NameFIRST FEDERAL BANK FSB
TypeBank
AddressTUSCALOOSA, AL 35406
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term121 Months
DueJul 1, 2032

July 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMOBILE AL
Recording DateJul 9, 2018
Property Address4649 SAINT CHARLES CT, MOBILE, AL 36618-2062
Document Number0000039046
Book / Page007656 / 000843
Instrument DateJun 29, 2018
Instrument39046
Transaction TypeTransfer
Record UpdatedFeb 28, 2019
Title CompanyCOMMONWEALTH LAND TITLE INSURANCE, COMMONWEALTH LAND TITLE INS

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.50
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address4649 SAINT CHARLES CT MOBILE AL 366182062, MOBILE, AL 36618-2062

Mortgage

Document Number39047
DateJul 9, 2018
Book Page007656/000846
Instrument39047
Lender
NameBANCORPSOUTH
TypeBank
AddressTUPELO, MS 38803-3356
Agreement
AmountAmount on Record
Term360 Months
DueJul 8, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 4649 Saint Charles Ct was $887 with exemptions applied, up 5.3% from the year before.

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

Property Jurisdictions

TypeName
StateAlabama
CountyMobile County
MunicipalityMobile City
Unified School DistrictMobile County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$887.00 (+5.34%) Homeowner's exemption Senior Citizen's exemption$16,120 (+5.29%) Land $3,000 Building $13,120$161,200 (+5.29%) Land $30,000 Building $131,200
2024$842.00 (+3.82%) Homeowner's exemption Senior Citizen's exemption$15,310 (+3.66%) Land $3,000 Building $12,310$153,100 (+3.66%) Land $30,000 Building $123,100
2023$811.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed$14,770 Land $3,000 Building $11,770$147,700 Land $30,000 Building $117,700

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 4649 Saint Charles Ct in Zone X, an area of minimal flood risk, though there have been 18 flood claims nearby since 1978.

Source: FEMA National Flood Hazard Layer, effective October 1, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 10 (0% premium discount)
Nearby Flood Policies1 in force
Nearby Flood Claims18 (1978–2014)
Claims Outside the SFHA7 of 18
Most Recent ClaimApr 2014 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding

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 4649 Saint Charles Ct is moderate, ranking above 40% of the US, with a 0.06% annual chance of wildfire.

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

Wildfire RiskModerate
above 40% of the US · lower than 66% of Alabama
Wildfire Likelihood0.06% annual chance
ExposureNone
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 SystemCITY OF MOBILE, BD. OF W&S COMM. OF THE
serves 279,000 people · EPA ID AL0001005
Water SourceSurface water
Last State InspectionSep 2023
Lead2 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityTotal trihalomethanes
resolved · Jul 2023
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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 252 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · DSL · Fixed Wireless in parts of the area		5,000 / 5,000
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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