4908 Cold Harbor Dr, Mountain Brook (Birmingham), AL 35223 Property Records

Jefferson County property record for 4908 Cold Harbor Dr, Mountain Brook, AL 35223

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,464 sqft · built 1976
Lot Size	0.516 acres (22,512 sqft)
Owner	Individual Name on File
Last Sale	$575,000 (Dec 2021)
Tax Bill	$5,870 (2025)
Deeds & Mortgages	Dec 2022 Mortgage Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23-00-36-2-005-004.000`

Property Details

APN / Parcel Number

Primary APN	`23-00-36-2-005-004.000`
Alternative APNs	`23362005004000RR00` `343998`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,464 sqft Living Area
Gross Area	3,980 sqft
1st Floor Area	1,206 sqft
Upper Floors Area	1,258 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Exterior Material	Wood
Foundation Type	Wood
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	22,512 sqft (0.516 acres)
Lot Dimensions	168 ft deep x 134 ft wide
Terrain	Rolling
Porch	Porch
Porch Area	164 sqft
Patio Area	200 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	343998
Old Parcel Number	23362005004000RR00
Street Address	4908 COLD HARBOR DR
City	MOUNTAIN BRK
State	AL
Zip	35223-1610
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	LOT 135 SURVEY OF DAVIS & PERKINS ADD TO CHEROKEE BEND 12TH SECTOR
Legal Range	02W
Legal Township	17S
Legal Section	36
Legal Quarter	NW
Legal Subdivision	DAVIS & PERK 12 S 23-36-2
Legal Lot Number	135
Jurisdiction	JEFFERSON AL
Township / Civil Division	BIRMINGHAM
Census Block Group	2
Census Block	2029
Census Tract	10806

Owner

4908 Cold Harbor Dr is owned and occupied by an individual who bought it in December 2021.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	4908 COLD HARBOR DR, MOUNTAIN BRK, AL 35223-1610
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
Dec 29, 2022	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA
Dec 27, 2021	Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 27, 2021 · Amount on File
Deed Sale	Dec 27, 2021 · Amount on File
Deed Document Number	2021145615
Record Updated	Jun 8, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON AL
Property Address	4908 COLD HARBOR DR, MOUNTAIN BRK, AL 35223-1610
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4908 COLD HARBOR DR, MOUNTAIN BRK, AL 35223-1610

Mortgage

Document Number	0000127896
Date	Dec 29, 2022
Instrument	2022127896

Lender

Name	BANK OF AMERICA

Agreement

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

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON AL
Recording Date	Dec 27, 2021
Property Address	4908 COLD HARBOR DR, MOUNTAIN BRK, AL 35223-1610
Document Number	0000145615
Instrument Date	Dec 20, 2021
Instrument	2021145615
Transaction Type	Transfer
Record Updated	Apr 2, 2026

Transaction

Amount	Amount on Record
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
Address	4908 COLD HARBOR DR, MOUNTAIN BRK, AL 35223-1610

Mortgage

Document Number	0000145616
Date	Dec 27, 2021
Instrument	2021145616

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 4908 Cold Harbor Dr was $5,870 with a homeowner's exemption.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,870.00 Homeowner's exemption	$54,340	$609,600 Land $266,000 Building $343,600
2023		$50,800 (+11.67%) Land $26,790 Building $24,010	$504,400 (+10.88%) Land $266,000 Building $238,400
2022	$4,906.00 Homeowner's exemption	$45,490 Land $19,500 Building $25,990	$454,900 Land $195,000 Building $259,900

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 4908 Cold Harbor Dr in Zone X, an area of minimal flood risk.

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
Nearby Flood Policies	3 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 4908 Cold Harbor 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 76% of Alabama
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 185 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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