477 Charest Rd, Somerville, AL 35670 Property Records

Morgan County property record for 477 Charest Rd, Somerville, AL 35670

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,320 sqft · built 1999
Lot Size	2.3 acres (100,188 sqft)
Owner	Individual Name on File
Tax Bill	$522 (2025)
Deeds & Mortgages	Feb 2005 Mortgage Mar 2006 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-04-17-0-000-001.001`

Property Details

APN / Parcel Number

Primary APN	`10-04-17-0-000-001.001`
Alternative APNs	`128308` `60465`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,320 sqft Living Area
1st Floor Area	1,320 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Logs
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	100,188 sqft (2.3 acres)
Porch	Open Porch
Utility Building	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	128308
Street Address	477 CHAREST RD
City	SOMERVILLE
State	AL
Zip	35670-3308
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM AT NE COR OF NE1/4 NE1/4 SEC 17, T6S, R2W, TH SO 420', TH W 83.06' TO TPOB, TH CONT W 499.34' TO E ROW OF CHAREST ROAD, T
Legal Range	2W
Legal Township	6S
Legal Section	17
Legal Subdivision	BLAXTON RIDGE
Jurisdiction	MORGAN AL
Township / Civil Division	SOMERVILLE
Census Block Group	2
Census Block	2006
Census Tract	5405

Owner

Source: Morgan County records · APN 10-04-17-0-000-001.001

Assessment roll updated June 19, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	477 CHAREST RD, SOMERVILLE, AL 35670-3308
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 22, 2005	Deed of Trust, Mortgage WELLS FARGO FINANCIAL BANK
Mar 29, 2006	Deed of Trust, Mortgage · ARM ACCREDITED HOME LENDERS INC
Nov 21, 2008	Deed, Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 21, 2008
Deed Sale	Nov 21, 2008
Deed Book / Page	2008 / 7952
Record Updated	Sep 20, 2026

February 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN AL
Property Address	477 CHAREST RD, SOMERVILLE, AL 35670-3308
Transaction Type	Mortgage
Record Updated	Jun 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2005/08509
Date	Feb 22, 2005
Book Page	2005/08509

Lender

Name	WELLS FARGO FINANCIAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Amount	Amount Recorded

March 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN AL
Property Address	477 CHAREST RD, SOMERVILLE, AL 35670-3308
Transaction Type	Mortgage
Record Updated	Jun 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2006/14317
Date	Mar 29, 2006
Book Page	2006/14317

Lender

Name	ACCREDITED HOME LENDERS INC
Type	Subprime Lender
Address	SAN DIEGO, CA 92128

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2036

Interest

Rate Type	Adjustable Rate
Rate	8.25%
Type Change Date	Apr 01, 2009
Change Frequency	6 Months
Min Rate At Change	8.25%
Max Rate At Change	9.75%
Index	6-Month LIBOR
Max Rate	15.2%

November 2008: Deed, Transfer

Document Type	Deed
Jurisdiction	MORGAN AL
Recording Date	Nov 21, 2008
Property Address	477 CHAREST RD, SOMERVILLE, AL 35670-3308
Document Number	2008/07952
Book / Page	2008 / 07952
Instrument Date	Nov 13, 2008
Transaction Type	Transfer
Record Updated	Jun 19, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	477 CHAREST RD, SOMERVILLE, AL 35670-3308

Tax Assessment & Valuation

Source: Morgan County records · Assessment roll updated June 19, 2026 · Last verified July 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$522.00	$15,380 (-) Land $3,170 Building $12,210	$153,800 (-) Land $31,700 Building $122,100
2024		$15,380 (-) Land $3,170 Building $12,210	$153,800 (-) Land $31,700 Building $122,100
2023	$522.00 (+13.23%) Homeowner's exemption	$15,380 (+11.61%) Land $3,170 Building $12,210	$153,800 (+11.61%) Land $31,700 Building $122,100
2022	$461.00 Homeowner's exemption	$13,780 Land $2,880 Building $10,900	$137,800 Land $28,800 Building $109,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of July 4, 2022 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 91% of Alabama
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
FlashFiber Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 35

Based on FCC filings for 18 locations within half a mile of this property.

Cell Coverage

5G and 4G LTE (outdoors only)

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