477 Comet Dr, Toney, AL 35773 Property Records

Madison County property record for 477 Comet Dr, Toney, AL 35773

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,392 sqft · built 1992
Lot Size	0.75 acres (32,670 sqft)
Owner	2 Individual Names on Record
Last Sale	$235,000 (Sep 2026)
Tax Bill	$600 (2025)
Deeds & Mortgages	Sep 2026 Sale Apr 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-08-27-0-003-005.000`

Property Details

APN / Parcel Number

Primary APN	`05-08-27-0-003-005.000`
Alternative APN	`489101`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,392 sqft Living Area
1st Floor Area	1,392 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Brick
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	32,670 sqft (0.75 acres)
Lot Dimensions	247 ft deep x 115 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	489101
Street Address	477 COMET DR
City	TONEY
State	AL
Zip	35773-8841
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEC 27 T1S R2W TR #53 DESC AS COMM AT THE SE COR OF SEC 27 TH N 1416.19 FT & W 460 FT TO THE POB TH W 115 FT S 284 FT E 115 &
Legal Range	02W
Legal Township	01S
Legal Section	27
Legal Subdivision	CROSSROADS ESTATE
Legal Tract	53
Legal Lot Number	53
Jurisdiction	MADISON AL
Township / Civil Division	MADISON CROSSROADS
Census Block Group	2
Census Block	2015
Census Tract	10405

Owner

Source: Madison County records, as of September 29, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	477 COMET DR, TONEY, AL 35773-8841
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
Apr 10, 2019	Deed of Trust, Mortgage · Line of Credit BANK INDEPENDENT
Apr 24, 2019	Warranty Deed, Transfer · Conventional with PMI VANDERBILT MORTGAGE & FINANCE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 22, 2026 · Amount on Record
Deed Sale	Sep 22, 2026 · Amount on Record
Prior Sale	Apr 24, 2019 · Amount on Record
Deed Document Number	2026
Deed Book / Page	2026 / 43916
Record Updated	Oct 29, 2026

September 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON AL
Recording Date	Sep 22, 2026
Property Address	477 COMET DR, TONEY, AL 35773-8841
Document Number	2026043916
Book / Page	2026 / 43916
Instrument Date	Sep 22, 2026
Transaction Type	Transfer
Record Updated	Sep 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$23,735.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	477 COMET DR, TONEY, AL 35773-8841

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON AL
Property Address	477 COMET DR, TONEY, AL 35773-8841
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ALABAMA LAND SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021007
Date	Apr 10, 2019
Instrument	20190410000021007

Lender

Name	BANK INDEPENDENT
Type	Bank
Address	SHEFFIELD, AL 35660

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Mar 11, 2049

Interest

Rate Type	Adjustable Rate

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON AL
Recording Date	Apr 24, 2019
Property Address	477 COMET DR, TONEY, AL 35773-8841
Document Number	0000024179
Instrument Date	Apr 23, 2019
Instrument	24179
Transaction Type	Transfer
Record Updated	May 14, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	19270 BICK JOCK RD ELKMONT AL 356205269, ELKMONT, AL 35620-5269

Mortgage

Document Number	24180
Date	Apr 24, 2019
Instrument	24180

Lender

Name	VANDERBILT MORTGAGE & FINANCE INC
Type	Bank
Address	ATLANTA, GA 30361

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 23, 2049

Tax Assessment & Valuation

Source: Madison County assessment roll, as of November 17, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$600.00 (+6.38%) Homeowner's exemption	$18,080 (+6.98%) Land $3,940 Building $14,140	$206,100 (+21.95%) Land $45,000 Building $161,100
2023	$564.00 (+15.1%) Homeowner's exemption	$16,900 (+13.58%) Land $1,500 Building $15,400	$169,000 (+13.65%) Land $15,000 Building $154,000
2022	$490.00 Homeowner's exemption	$14,880 Land $1,500 Building $13,380	$148,700 Land $15,000 Building $133,700

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

Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · 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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	2 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

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	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MADISON COUNTY WATER DEPARTMENT serves 119,100 people · EPA ID AL0000888
Water Source	Purchased surface water from several systems
Last State Inspection	Mar 2025
Lead	2 ppb (2024–2026) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 113 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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