490 Hillstone Dr, Pell City, AL 35125 Property Records

St. Clair County property record for 490 Hillstone Dr, Pell City, AL 35125

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,880 sqft · built 2013
Lot Size	0.6 acres (26,136 sqft)
Owner	Individual Name on File
Last Sale	$250,000 (Aug 2021)
Tax Bill	$1,040 (2025)
Deeds & Mortgages	Jan 2023 Mortgage Oct 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`22-09-31-4-000-019.017`

Property Details

APN / Parcel Number

Primary APN	`22-09-31-4-000-019.017`
Alternative APNs	`531227` `60272`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,880 sqft Heated Area
1st Floor Area	1,533 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	26,136 sqft (0.6 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	490 HILLSTONE DR
City	PELL CITY
State	AL
Zip	35125-1918
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 44 HILLSTONE RESIDENTIAL SUB SEC TWO MB 2007-25 31-16-4
Legal Range	04E
Legal Township	16S
Legal Section	31
Legal Subdivision	HILLSTONE RESIDENTIAL SU
Legal Lot Number	44
Jurisdiction	ST CLAIR AL
Township / Civil Division	PELL CITY
Census Block Group	2
Census Block	2012
Census Tract	40211

Owner

490 Hillstone Dr is owned and occupied by an individual who bought it in August 2021.

Source: St. Clair County records, as of April 17, 2026

Owner of Record	Individual Name on File
Mailing Address	490 HILLSTONE DR, PELL CITY, AL 35125-1918
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
Jan 26, 2023	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Oct 18, 2017	Deed of Trust, Mortgage · Line of Credit ALABAMA HOUSING FINANCE AUTHORITY
Aug 2, 2021	Warranty Deed, Transfer · FHA Mortgage HUNT MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 2, 2021 · Amount on File
Deed Sale	Aug 2, 2021 · Amount on File
Prior Sale	Feb 3, 2014 · Amount on File
Deed Book / Page	2021 / 10091
Record Updated	Jun 8, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR AL
Property Address	490 HILLSTONE DR, PELL CITY, AL 35125-1918
Transaction Type	Mortgage
Record Updated	Jun 29, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	490 HILLSTONE DR, PELL CITY, AL 35125-1918

Mortgage

Document Number	0000002473
Date	Jan 26, 2023
Book Page	MTG 2023/2473

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	344 Months
Due	Sep 1, 2051

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR AL
Property Address	490 HILLSTONE DR, PELL CITY, AL 35125-1918
Transaction Type	Mortgage
Record Updated	Jul 15, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000036259
Date	Oct 18, 2017
Book Page	2017/36259

Lender

Name	ALABAMA HOUSING FINANCE AUTHORITY
Type	Funding / Finance Company
Address	MONTGOMERY, AL 36117

Agreement

Type	Line of Credit
Amount	Amount on Record

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR AL
Recording Date	Aug 2, 2021
Property Address	490 HILLSTONE DR, PELL CITY, AL 35125-1918
Document Number	0000010091
Book / Page	DEED 2021 / 10091
Map Reference	MB 2007 PG 25
Instrument Date	Jul 16, 2021
Transaction Type	Transfer
Record Updated	Jun 29, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4063RD AVE N, PELL CITY, AL 35125

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	490 HILLSTONE DR, PELL CITY, AL 35125-1918

Mortgage

Document Number	MTG202152641
Date	Aug 2, 2021
Instrument	MTG 2021/52641

Lender

Name	HUNT MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 490 Hillstone Dr was $1,040 with exemptions applied.

Source: St. Clair County assessment roll, as of April 17, 2026

Property Jurisdictions

Type	Name
State	Alabama
County	St. Clair County
Municipality	Pell City
Unified School District	Pell City City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,040.00	$26,560	$265,670
2023		$53,134 (+157.38%) Land $10,000 Building $43,134	$265,670 (+28.69%) Land $50,000 Building $215,670
2022	$798.00 Homeowner's exemption	$20,644 Land $3,200 Building $17,444	$206,440 Land $32,000 Building $174,440

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 Hillstone Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 22, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 490 Hillstone Dr is low, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · lower than 74% of Alabama
Wildfire Likelihood	0.06% 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	CITY OF PELL CITY serves 17,586 people · EPA ID AL0001204
Water Source	Purchased surface water from COOSA VALLEY WATER SUPPLY DISTRICT
Last State Inspection	Jun 2023
Lead	1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 93 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Sparklight Cable	1,000 / 50

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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