490 Harding Rd, Arab, AL 35016 Property Records

Marshall County property record for 490 Harding Rd, Arab, AL 35016

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,554 sqft · built 2005
Lot Size	0.35 acres (15,246 sqft)
Owner	Individual Name on File
Last Sale	$232,500 (Oct 2022)
Tax Bill	$886 (2026)
Deeds & Mortgages	Apr 2017 Mortgage Oct 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-02-04-0-000-054.002`

Property Details

APN / Parcel Number

Primary APN	`14-02-04-0-000-054.002`
Alternative APN	`105860`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,554 sqft Living Area
1st Floor Area	1,554 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Vinyl
Foundation Type	Brick
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	15,246 sqft (0.35 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	105860
Street Address	490 HARDING RD
City	ARAB
State	AL
Zip	35016-4047
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM SW COR SE-SW SEC 4-8-2E TH N 290.5' TO BEG TH CON N 100'; W 147.2'; SE 100'; W 160.6 TO POB CONT .35 ACC 3196-99
Legal Range	2E
Legal Township	8S
Legal Section	04
Jurisdiction	MARSHALL AL
Township / Civil Division	ARAB
Census Block Group	1
Census Block	1018
Census Tract	30502

Owner

490 Harding Rd is owned and occupied by an individual who bought it in October 2022.

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

Owner of Record	Individual Name on File
Mailing Address	490 HARDING RD, ARAB, AL 35016-4047
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
Apr 19, 2017	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC
Oct 3, 2022	Warranty Deed, Transfer · Conventional Mortgage CERTAINTY HOME LOANS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 3, 2022 · Amount on File
Deed Sale	Oct 3, 2022 · Amount on File
Prior Sale	Apr 3, 2006
Deed Document Number	20223253652
Deed Book / Page	6870 / 314
Record Updated	Oct 29, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARSHALL AL
Property Address	490 HARDING RD, ARAB, AL 35016-4047
Transaction Type	Mortgage
Record Updated	Oct 20, 2022
Title Company	VANTAGE POINT TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003158182
Date	Apr 19, 2017
Book Page	5847/330
Instrument	3158182

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 1, 2032

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARSHALL AL
Recording Date	Oct 3, 2022
Property Address	490 HARDING RD, ARAB, AL 35016-4047
Document Number	0003253652
Book / Page	6870 / 314
Instrument Date	Sep 30, 2022
Instrument	3253652
Transaction Type	Transfer
Record Updated	Oct 12, 2022

Transaction

Amount	Amount 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	1707 REID CIR, 1707, GADSDEN, AL 35903-7645

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	490 HARDING RD, ARAB, AL 35016-4047

Mortgage

Document Number	0003253653
Date	Oct 3, 2022
Instrument	3253653

Lender

Name	CERTAINTY HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2052

Tax Assessment & Valuation

The 2026 property tax bill for 490 Harding Rd was $886 with a homeowner's exemption, up 5.9% from the year before.

Source: Marshall County assessment roll, as of June 23, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$886.00 (+5.85%) Homeowner's exemption
2025	$837.00	$22,140	$221,200 Land $30,000 Building $191,200
2023	$770.00	$20,360	$203,400 Land $27,500 Building $175,900
2021	$547.00 Homeowner's exemption	$14,400	$144,000 Land $25,000 Building $119,000

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

FEMA maps place 490 Harding Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 21, 2019 · 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

Wildfire risk around 490 Harding Rd is moderate, ranking above 46% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 46% of the US · above 51% of Alabama
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

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	UNION GROVE UTILITY BOARD serves 3,072 people · EPA ID AL0000951
Water Source	Purchased surface water from CITY OF ARAB, WATER WORKS BOARD OF THE
Last State Inspection	Feb 2026
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Coliform assessment Jul 2022
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 42 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
GoNetspeed Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 1,000

May also be available: Farmers Telecommunications Cooperative.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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