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

Jefferson County property record for 485 O'Neal Dr, Hoover, AL 35226

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,349 sqft · built 1973
Lot Size	0.346 acres (15,080 sqft)
Owner	2 Individual Names on Record
Last Sale	$170,000 (Feb 2002)
Tax Bill	$2,827 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Sep 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`39-00-10-1-004-032.000`

Property Details

APN / Parcel Number

Primary APN	`39-00-10-1-004-032.000`
Alternative APNs	`39101004032000RR00` `58887`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,349 sqft Living Area
Gross Area	5,299 sqft
1st Floor Area	1,678 sqft
Upper Floors Area	1,678 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Exterior Material	Brick
Foundation Type	Wood
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	15,080 sqft (0.346 acres)
Lot Dimensions	145 ft deep x 104 ft wide
Porch	Porch
Porch Area	192 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	58887
Old Parcel Number	39101004032000RR00
Street Address	485 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 1 BL 2 EAGLE POINT SUB 99/58 BHAM
Legal Range	03W
Legal Township	19S
Legal Section	10
Legal Quarter	NE
Legal Subdivision	EAGLE POINT SUB
Legal Block	2
Legal Lot Number	1
Jurisdiction	JEFFERSON AL
Township / Civil Division	HOOVER
Census Block Group	1
Census Block	1017
Census Tract	14406

Owner

Source: Jefferson County records, as of December 15, 2025

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	485 ONEAL DR, HOOVER, AL 35226-1646
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK
Sep 19, 2019	Deed of Trust, Mortgage · Line of Credit REGIONS BK
Sep 8, 2017	Deed of Trust, Mortgage · Line of Credit AMERICAS FIRST FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 15, 2002 · Amount on Record
Deed Sale	Feb 15, 2002 · Amount on Record
Deed Document Number	2002604769
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON AL
Property Address	485 ONEAL DR, HOOVER, AL 35226-1646
Transaction Type	Mortgage
Record Updated	Oct 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	485 ONEAL DR, HOOVER, AL 35226-1646

Mortgage

Document Number	2021107820
Date	Sep 17, 2021
Instrument	2021107820

Lender

Name	REGIONS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2036

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON AL
Property Address	485 ONEAL DR, HOOVER, AL 35226-1646
Document Number	0000104211
Instrument Date	Sep 19, 2019
Transaction Type	Mortgage
Record Updated	Oct 22, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	485 ONEAL DR HOOVER AL 352261646, HOOVER, AL 35226-1646

Mortgage

Document Number	0000104211
Date	Oct 3, 2019
Instrument	104211

Lender

Name	REGIONS BK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 2, 2049

Interest

Rate Type	Adjustable Rate

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON AL
Property Address	485 ONEAL DR, HOOVER, AL 35226-1646
Document Number	0000103756
Instrument Date	Sep 8, 2017
Transaction Type	Mortgage
Record Updated	Oct 13, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	485 ONEAL DR HOOVER AL 352261646, HOOVER, AL 35226-1646

Mortgage

Document Number	0000103756
Date	Oct 5, 2017
Instrument	103756

Lender

Name	AMERICAS FIRST FCU
Type	Credit Union
Address	BIRMINGHAM, AL 35203

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Oct 4, 2032

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Jefferson County assessment roll, as of January 1, 2025

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	$2,827.00 (+4.28%) Homeowner's exemption	$39,680 (+6.95%)	$437,300 (+17.9%) Land $189,400 Building $247,900
2023		$37,100 Land $12,303 Building $24,797	$370,900 Land $123,000 Building $247,900
2022	$2,711.00

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.

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