4978 Patterson Rd, Montgomery, AL 36116 Property Records

Montgomery County property record for 4978 Patterson Rd, Montgomery, AL 36116

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,825 sqft · built 1965
Lot Size	2.42 acres (105,600 sqft)
Owner	Individual on Record
Deeds & Mortgages	Sep 2025 Second Mortgage Dec 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`15-02-10-4-002-018.000`

Property Details

APN / Parcel Number

Primary APN	`15-02-10-4-002-018.000`
Alternative APNs	`0315021004002018000` `284120`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,825 sqft Living Area
1st Floor Area	1,825 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	105,600 sqft (2.42 acres)
Lot Dimensions	640 ft deep x 165 ft wide
Garage Type	Carport
Carport	Carport
Carport Area	788 sqft
Porch	Open Porch
Porch Area	356 sqft
Patio Area	140 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	284120
Old Parcel Number	0315021004002018000
Street Address	4978 PATTERSON RD
City	MONTGOMERY
State	AL
Zip	36116-5815
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AGR-1
Legal Description	THE SOUTH 1/2 OF LOT 10 1502104002018000
Legal Subdivision	F S HOLT SUB
Legal Lot Number	10
Jurisdiction	MONTGOMERY AL
Township / Civil Division	PIKE ROAD
Census Block Group	1
Census Block	1045
Census Tract	5610

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual on Record
Mailing Address	4978 PATTERSON RD, MONTGOMERY, AL 36116-5815
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2025	Warranty Deed, Transfer · Stand-Alone Second Mortgage AMERICAN FINANCIAL NETWORK INC
Dec 13, 2019	Deed of Trust, Mortgage · VA Mortgage NAVY FCU
Feb 11, 2019	Warranty Deed, Transfer · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 15, 2025
Deed Sale	Sep 15, 2025
Prior Sale	Feb 11, 2019 · Amount on Record
Deed Document Number	0006354353
Deed Book / Page	6354 / 353
Record Updated	Jun 8, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY AL
Recording Date	Sep 15, 2025
Property Address	4978 PATTERSON RD, MONTGOMERY, AL 36116-5815
Document Number	0063540353
Book / Page	6354 / 353
Map Reference	MB 7 PG 70
Instrument Date	Aug 6, 2025
Transaction Type	Transfer
Record Updated	Dec 12, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1386 COUNTY ROAD 2214, TROY, AL 36079-7255

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4978 PATTERSON RD, MONTGOMERY, AL 36116-5815

Mortgage

Document Number	0006354377
Date	Sep 15, 2025
Instrument	6354/377

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 1, 2040

Mortgage

Document Number	0063540358
Date	Sep 15, 2025
Book Page	6354/358

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company
Address	ORANGE, CA 92868

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2055

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY AL
Property Address	4978 PATTERSON RD, MONTGOMERY, AL 36116-5815
Document Number	0053310247
Instrument Date	Dec 13, 2019
Transaction Type	Mortgage
Record Updated	Jan 31, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4978 PATTERSON RD MONTGOMERY AL 361165815, MONTGOMERY, AL 36116-5815

Mortgage

Document Number	0053310247
Date	Jan 13, 2020
Book Page	005331/000247

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 12, 2050

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY AL
Recording Date	Feb 11, 2019
Property Address	4978 PATTERSON RD, MONTGOMERY, AL 36116-5815
Document Number	0051970725
Book / Page	005197 / 000725
Instrument Date	Feb 7, 2019
Transaction Type	Transfer
Record Updated	Sep 6, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$98.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4978 PATTERSON RD MONTGOMERY AL 361165815, MONTGOMERY, AL 36116-5815

Mortgage

Document Number	51970726
Date	Feb 11, 2019
Book Page	005197/000726

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 10, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Alabama
County	Montgomery County
Municipality	Montgomery City
Unified School District	Montgomery County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	Homeowner's exemption Senior Citizen's exemption	$12,720 (-9.47%) Land $2,050 Building $10,670	$127,200 (-9.47%) Land $20,500 Building $106,700
2023	Senior Citizen's exemption	$14,050 Land $2,860 Building $11,190	$140,500 Land $28,600 Building $111,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective February 20, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 32 policies
Nearby Flood Policies	32 in force
Nearby Flood Claims	13 (1990–2019)
Claims Outside the SFHA	2 of 13
Most Recent Claim	Mar 2019 · river or lake flooding
Claims by Event	Severe Storms, Tornadoes & Flooding, Mar 1990 · 2 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	Moderate above 40% of the US · lower than 66% 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	CITY OF MONTGOMERY, THE WW&SSB OF THE serves 276,000 people · EPA ID AL0001070
Water Source	Surface water
Last State Inspection	Feb 2025
Lead	Under 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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: WOW Internet, Cable & Phone.

Cell Coverage

5G and 4G LTE (outdoors only)

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