Montgomery County property record for 4654 Ray Dr, Montgomery, AL 36109
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,559 sqft · built 1976 |
| Lot Size | 0.201 acres (8,775 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $675 (2026) |
| Deeds & Mortgages | Oct 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-01-02-4-010-004.000 |
| Primary APN | 10-01-02-4-010-004.000 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,559 sqft Living Area |
| 1st Floor Area | 1,559 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 8,775 sqft (0.201 acres) |
| Lot Dimensions | 135 ft deep x 65 ft wide |
| Utility Building | 288 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 226977 |
|---|---|
| Street Address | 4654 RAY DR |
| City | MONTGOMERY |
| State | AL |
| Zip | 36109-1710 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-65-S |
| Legal Description | 1001024010004000 |
| Legal Range | 18E |
| Legal Township | 16N |
| Legal Section | 02 |
| Legal Subdivision | GUNTER GROVE 4 |
| Legal Block | I |
| Legal Lot Number | 2 |
| Jurisdiction | MONTGOMERY AL |
| Township / Civil Division | MONTGOMERY |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 5302 |
4654 Ray Dr is owned and occupied by an individual who acquired it in August 2000.
Source: Montgomery County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4654 RAY DR, MONTGOMERY, AL 36109-1710 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 9, 2000 |
| Deed Sale | Aug 9, 2000 |
| Deed Book / Page | 2139 / 425 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY AL |
| Property Address | 4654 RAY DR, MONTGOMERY, AL 36109-1710 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0054680407 |
|---|---|
| Date | Oct 16, 2020 |
| Book Page | 5468/407 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2050 |
The 2026 property tax bill for 4654 Ray Dr was $675, up 3.1% from the year before.
Source: Montgomery County assessment roll, as of October 7, 2025
| Type | Name |
|---|---|
| State | Alabama |
| County | Montgomery County |
| Municipality | Montgomery City |
| Unified School District | Montgomery County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $675.00 (+3.05%) | ||
| 2025 | $655.00 | $13,280 Land $1,500 Building $11,780 | $132,800 Land $15,000 Building $117,800 |
| 2023 | $570.00 | $11,560 Land $1,500 Building $10,060 | $115,600 Land $15,000 Building $100,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4654 Ray Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 1 (1992) |
| Most Recent Claim | Aug 1992 · 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 risk around 4654 Ray Dr is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 99.8% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF MONTGOMERY, THE WW&SSB OF THE serves 276,000 people · EPA ID AL0001070 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Feb 2025 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 497 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| C Spire Wireless Fiber | 10,000 / 10,000 |
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Spectrum Cable | 1,000 / 35 |
May also be available: Verizon.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures