481 O'Neal Dr, Hoover (Birmingham), AL 35226 Property Records

Jefferson County property record for 481 O'Neal Dr, Hoover, AL 35226

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,642 sqft · built 1973
Lot Size	0.343 acres (14,935 sqft)
Owner	2 Individual Names on Record
Last Sale	$545,000 (Dec 2023)
Tax Bill	$3,637 (2025)
Deeds & Mortgages	Dec 2023 Sale & Mortgage Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`39-00-10-1-004-033.000`

Property Details

APN / Parcel Number

Primary APN	`39-00-10-1-004-033.000`
Alternative APNs	`39101004033000RR00` `58888`

Interior

Bedrooms	3 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,108 sqft Living Area
Gross Area	4,698 sqft
1st Floor Area	1,554 sqft
Upper Floors Area	1,554 sqft
Basement Area	1,590 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 2024
Exterior Material	Hardboard
Foundation Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	14,935 sqft (0.343 acres)
Lot Dimensions	145 ft deep x 103 ft wide

Exterior Amenities

Porch	Slab
Porch Area	336 sqft
Deck Area	Deck Area
Patio Area	280 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	58888
Street Address	481 ONEAL DR
City	HOOVER
State	AL
Zip	35226-1646
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 2 BL 2 EAGLE POINT SUB 99/58 BHAM
Legal Range	03W
Legal Township	19S
Legal Section	10
Legal Subdivision	EAGLE POINT SUB
Legal Block	2
Legal Lot Number	2
Jurisdiction	JEFFERSON AL
Township / Civil Division	HOOVER
Census Block Group	1
Census Block	1017
Census Tract	14406

Owner

Source: Jefferson County records, as of October 21, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	481 ONEAL DR, HOOVER, AL 35226-1646
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 18, 2023	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE
Jul 8, 2020	Deed of Trust, Mortgage PROSPERITY HOME MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 18, 2023 · Amount on Record
Deed Sale	Dec 18, 2023 · Amount on Record
Prior Sale	Jan 24, 2005 · Amount on Record
Deed Document Number	2023110628
Record Updated	Oct 29, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON AL
Recording Date	Dec 18, 2023
Property Address	481 ONEAL DR, HOOVER, AL 35226-1646
Document Number	0000110628
Instrument Date	Dec 15, 2023
Instrument	2023110628
Transaction Type	Transfer
Record Updated	Jan 19, 2024

Transaction

Amount	Amount Recorded
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	481 ONEAL DR, HOOVER, AL 35226-1646

Mortgage

Document Number	0000110629
Date	Dec 18, 2023
Instrument	2023110629

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2054

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON AL
Property Address	481 ONEAL DR, HOOVER, AL 35226-1646
Transaction Type	Mortgage
Record Updated	May 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	481 ONEAL DR, HOOVER, AL 35226-1646

Mortgage

Document Number	0000071471
Date	Jul 8, 2020
Instrument	2020071471

Lender

Name	PROSPERITY HOME MORTGAGE

Agreement

Amount	Amount Recorded
Term	234 Months
Due	Jan 1, 2040

Tax Assessment & Valuation

Source: Jefferson County assessment roll, as of March 16, 2026

Property Jurisdictions

Type	Name
State	Alabama
County	Jefferson County
Municipality	Hoover City
Unified School District	Hoover City School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,637.00 (+37.09%) Homeowner's exemption	$50,840 (+39.98%)	$508,400 (+39.98%) Land $189,400 Building $319,000
2023		$36,320 (-2.55%) Land $12,300 Building $24,020	$363,200 (-2.55%) Land $123,000 Building $240,200
2022	$2,653.00 Homeowner's exemption	$37,270 Land $12,300 Building $24,970	$372,700 Land $123,000 Building $249,700

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 March 13, 2025 · 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
Flood Insurance Cost	Premium on Record median of 18 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	18 in force
Nearby Flood Claims	35 (1979–2022)
Claims Outside the SFHA	3 of 35
Most Recent Claim	Jun 2022 · river or lake flooding
Claims by Event	Severe Storms And Flooding, Oct 2021 · 4 claims

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 98% of the US · lower than 99.5% 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	CENTRAL ALABAMA WATER serves 653,322 people · EPA ID AL0000738
Water Source	Surface water
Last State Inspection	Mar 2025
Lead	1 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	3 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 307 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Nearby Properties on O'Neal Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures