Morgan County property record for 487 Hilltop Rd, Joppa, AL 35087
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,500 sqft · built 2022 |
| Lot Size | 4.8 acres (209,088 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,555 (2025) |
| Deeds & Mortgages | May 2021 Line of Credit Apr 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-07-25-0-000-001.006 |
| Primary APN | 21-07-25-0-000-001.006 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,500 sqft Living Area |
| 1st Floor Area | 1,882 sqft |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Lot Area | 209,088 sqft (4.8 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 157842 |
|---|---|
| Street Address | 487 HILLTOP RD |
| City | JOPPA |
| State | AL |
| Zip | 35087-6401 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PARTS OF LOTS 3, 4, 5, 6, & 7 HILLTOP ACRES SUBDIVISON MAP BOOK 2005 PAGE 6 SEC 25, T8S, R1W BETTER DESCRIBED AS BEG AT SE CO |
| Legal Range | 1W |
| Legal Township | 8S |
| Legal Section | 25 |
| Legal Subdivision | HILLTOP ACRES SUBDIVISION |
| Legal Lot Number | 6&7 |
| Jurisdiction | MORGAN AL |
| Township / Civil Division | EVA |
| Census Block Group | 2 |
| Census Block | 2072 |
| Census Tract | 5601 |
487 Hilltop Rd is owned and occupied by an individual.
Source: Morgan County records, as of July 2, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 487 HILLTOP RD, JOPPA, AL 35087-6401 |
| 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.
| Date | Document |
|---|---|
| May 21, 2021 | Deed of Trust, Mortgage · Line of Credit MERCHANTS BANK OF ALABAMA |
| Apr 26, 2022 | Deed of Trust, Mortgage · Conventional Mortgage FIRSTBANK |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MORGAN AL |
| Property Address | 487 HILLTOP RD, JOPPA, AL 35087-6401 |
| Transaction Type | Mortgage |
| Record Updated | May 4, 2023 |
| Name | Verified Name |
|---|
| Document Number | 2021/27471 |
|---|---|
| Date | May 21, 2021 |
| Book Page | 2021/27471 |
| Name | MERCHANTS BANK OF ALABAMA |
|---|---|
| Type | Bank |
| Address | CULLMAN, AL 35055 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MORGAN AL |
| Property Address | 487 HILLTOP RD, JOPPA, AL 35087-6401 |
| Transaction Type | Mortgage |
| Record Updated | May 4, 2023 |
| Name | Verified Name |
|---|
| Document Number | 2022/21008 |
|---|---|
| Date | Apr 26, 2022 |
| Book Page | 2022/21008 |
| Name | FIRSTBANK |
|---|---|
| Type | Bank |
| Address | FRANKLIN, TN 37064 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2052 |
The 2025 property tax bill for 487 Hilltop Rd was $2,555.
Source: Morgan County assessment roll, as of June 19, 2026
| Type | Name |
|---|---|
| State | Alabama |
| County | Morgan County |
| Unified School District | Morgan County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,555.00 | $34,170 (-0.93%) Land $2,240 Building $31,930 | $341,700 (-0.93%) Land $22,400 Building $319,300 |
| 2024 | $34,490 (-5%) Land $2,240 Building $32,250 | $344,900 (-) Land $22,400 Building $322,500 | |
| 2023 | $2,579.00 (+5,631.11%) | $68,980 (+5,554.1%) Land $4,480 Building $64,500 | $344,900 (+5,554.1%) Land $22,400 Building $322,500 |
| 2022 | $45.00 | $1,220 Land $1,220 | $6,100 Land $6,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 487 Hilltop Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective July 4, 2022 · 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 |
| Nearby Flood Policies | 1 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 risk around 487 Hilltop Rd is moderate, ranking above 47% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 47% of the US · above 53% of Alabama |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | JOPPA HULACO & RYAN WATER AUTHORITY serves 5,220 people · EPA ID AL0000409 |
|---|---|
| Water Source | Purchased surface water from CITY OF ARAB, WATER WORKS BOARD OF THE |
| Last State Inspection | May 2024 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 29 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| GoNetspeed Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures