481 Lowery Rd, Valley Head, AL 35989 Property Records

DeKalb County property record for 481 Lowery Rd, Valley Head, AL 35989

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 3,247 sqft · built 1978
Lot Size	1.68 acres (73,181 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,400 (2026)
Deeds & Mortgages	Dec 2022 Sale & Mortgage Nov 2022 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`10-09-30-0-001-030.001`

Property Details

APN / Parcel Number

Primary APN	`10-09-30-0-001-030.001`
Alternative APNs	`164802` `97033` `8982`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,247 sqft Living Area
1st Floor Area	3,247 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Exterior Material	Aluminum/Vinyl
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	73,181 sqft (1.68 acres)
Garage Area	528 sqft
Porch	Slab
Porch Area	186 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	164802
Street Address	481 LOWERY RD
City	VALLEY HEAD
State	AL
Zip	35989-3858
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CONT 1.68 AC S30 T5S R10E PT OF SE NW DESC AS 1327.86' SOUTH & 140.43' WEST OF NE COR OF 1/4 1/4 TH: SW 414.47' W 194.1' NE
Legal Range	10E
Legal Township	05S
Legal Section	30
Jurisdiction	DEKALB AL
Township / Civil Division	VALLEY HEAD-MENTONE
Census Block Group	2
Census Block	2074
Census Tract	961400

Owner

481 Lowery Rd is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	481 LOWERY RD, VALLEY HEAD, AL 35989-3858
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2022	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Nov 29, 2022	Intrafamily Transfer, Transfer
Nov 29, 2022	Intrafamily Transfer, Transfer
Nov 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC

Assessor's Deed Record

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

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DEKALB AL
Recording Date	Dec 15, 2022
Property Address	481 LOWERY RD, VALLEY HEAD, AL 35989-3858
Document Number	03002/8612
Book / Page	3002 / 8612
Instrument Date	Dec 13, 2022
Transaction Type	Transfer
Record Updated	Dec 26, 2022
Title Company	AMROCK INC, AMROCK

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	481 LOWERY RD, VALLEY HEAD, AL 35989-3858

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	140 SWEETWATER DR, FAYETTEVILLE, GA 30214-1098

Mortgage

Document Number	0500220587
Date	Dec 15, 2022
Instrument	5002/20587

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2038

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DEKALB AL
Recording Date	Nov 29, 2022
Property Address	481 LOWERY RD, VALLEY HEAD, AL 35989-3858
Document Number	03002/8183
Book / Page	3002 / 8183
Instrument Date	Nov 29, 2022
Transaction Type	Transfer
Record Updated	Dec 9, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	481 LOWERY RD, VALLEY HEAD, AL 35989-3858

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DEKALB AL
Recording Date	Nov 29, 2022
Property Address	481 LOWERY RD, VALLEY HEAD, AL 35989-3858
Document Number	03002/8187
Book / Page	3002 / 8187
Instrument Date	Nov 29, 2022
Transaction Type	Transfer
Record Updated	Dec 9, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	481 LOWERY RD, VALLEY HEAD, AL 35989-3858

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DEKALB AL
Property Address	481 LOWERY RD, VALLEY HEAD, AL 35989-3858
Transaction Type	Mortgage
Record Updated	Jun 24, 2021
Title Company	VANTAGE PT TITLE INC, VANTAGE POINT TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	5000/19484
Date	Nov 18, 2020
Book Page	5000/19484

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company
Address	BREA, CA 92821

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 481 Lowery Rd was $1,400 with a homeowner's exemption, up 7.3% from the year before.

Source: DeKalb County assessment roll, as of May 8, 2026

Property Jurisdictions

Type	Name
State	Alabama
County	DeKalb County
Municipality	Hammondville Town
Unified School District	DeKalb County School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,400.00 (+7.28%) Homeowner's exemption
2025	$1,305.00 Homeowner's exemption	$33,600 Land $940 Building $32,660	$421,980 Land $11,780 Building $410,200
2023	$1.00 Homeowner's exemption	$40
2022			$253,000 Land $24,700 Building $228,300

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

Flood

FEMA maps place 481 Lowery Rd 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 September 29, 2011 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 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

Wildfire risk around 481 Lowery Rd is moderate, ranking above 65% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	Moderate above 65% of the US · above 84% of Alabama
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

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

Internet Providers

Source: FCC Broadband Data Collection, based on 29 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Farmers Telecommunications Cooperative.

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