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515 S Commerce St, Geneva, AL 36340 Property Records

Geneva County property record for 515 S Commerce St, Geneva, AL 36340

Property Summary

Property TypeBank, Financial Building
Details2 ba · 15,206 sqft · built 1984
Lot Size0.62 acres (27,200 sqft)
OwnerCompany Name on File
Tax Bill$21,603 (2026)
Deeds & MortgagesNov 2020 Foreclosure
Nov 2020 Foreclosure
Flood ZoneZone X (reduced by levee)
APN1809291101040000

Property Details

APN / Parcel Number

Primary APN1809291101040000
Alternative APN
  • 0000829810

Interior

Full Baths2 Baths
Stories1 Story
Building Area15,206 sqft Total Area
1st Floor Area10,074 sqft
Upper Floors Area5,132 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1984
Effective Year BuiltEffective 1993
Exterior MaterialBrick
Construction TypeBrick
Foundation TypeSlab (Mat/Raft)
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area27,200 sqft (0.62 acres)
Lot Dimensions160 ft deep x 170 ft wide
Garage TypeMixed
Parking Spaces5 Parking Spaces
Canopy1,748 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC
SewerConnected

Location & Zoning

Account Number0000829810
Street Address515 S COMMERCE ST
CityGENEVA
StateAL
Zip36340-2420
Property CategoryCommercial
Property TypeCommercial > Office > Bank, Financial Building
Legal DescriptionLOTS 9, 11, 13, 15, & 19 BLK A GENEVA 1/10 ALSO BEG SE COR LOT 9, N 80', E 60', S 80', W 60' TO POB S29-T1N-R22E
Legal Range22E
Legal Township01N
Legal Section29
Legal SubdivisionC S DANIELS SURVEY
Legal BlockA
Legal Lot Number11,13
JurisdictionGENEVA AL
Township / Civil DivisionGENEVA
Census Block Group3
Census Block3007
Census Tract50300

Owner

515 S Commerce St, a commercial property, is owned by a company that acquired it in November 2020.

Source: Geneva County records, as of October 13, 2026

Owner of RecordCompany Name on File
Mailing Address51 SAINT JOSEPH ST, MOBILE, AL 36602-3503
Owner TypeCompany

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

DateDocument
Nov 17, 2020Special Warranty Deed, Foreclosure
Nov 17, 2020Quit Claim Deed, Foreclosure
Quitclaim

Assessor's Deed Record

Deed NamesName on Deed
Last Transfer DateNov 13, 2020
Transfer Doc001085/362
Record UpdatedOct 29, 2026

November 2020: Special Warranty Deed, Foreclosure

Document TypeSpecial Warranty Deed
JurisdictionGENEVA AL
Recording DateNov 17, 2020
Property Address515 S COMMERCE ST, GENEVA, AL 36340-2420
Document Number001085/356
Book / Page1085 / 356
Instrument DateNov 13, 2020
Transaction TypeForeclosure
Record UpdatedFeb 3, 2022

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address18000 CANTRELL RD, 18000, LITTLE ROCK, AR 72223-9729

Transferred To (Grantee/Buyer)

NameVerified Name
Address51 SAINT JOSEPH ST, MOBILE, AL 36602-3503

November 2020: Quit Claim Deed, Foreclosure

Document TypeQuit Claim Deed
JurisdictionGENEVA AL
Recording DateNov 17, 2020
Property Address515 S COMMERCE ST, GENEVA, AL 36340-2420
Document Number001085/362
Book / Page1085 / 362
Instrument DateNov 13, 2020
Transaction TypeForeclosure
Record UpdatedFeb 3, 2022

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Quitclaim
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address18000 CANTRELL RD, 18000, LITTLE ROCK, AR 72223-9729

Transferred To (Grantee/Buyer)

NameVerified Name
Address51 SAINT JOSEPH ST, MOBILE, AL 36602-3503

Tax Assessment & Valuation

The 2026 property tax bill for 515 S Commerce St was $21,603.

Source: Geneva County assessment roll, as of April 10, 2026

Property Jurisdictions

TypeName
StateAlabama
CountyGeneva County
MunicipalityGeneva City
Unified School DistrictGeneva City School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$21,603.00
2025$21,603.00$489,880 (-) Land $5,200 Building $484,680$2,449,400 (-) Land $26,000 Building $2,423,400
2024$21,603.00 (+42.87%)$489,880 (+42.86%) Land $5,200 Building $484,680$2,449,400 (+42.86%) Land $26,000 Building $2,423,400
2023$15,121.00$342,900 (-) Land $5,200 Building $337,700$1,714,500 (-) Land $26,000 Building $1,688,500
2022$15,121.00$342,900 Land $5,200 Building $337,700$1,714,500 Land $26,000 Building $1,688,500

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

Flood

FEMA maps place 515 S Commerce St in Zone X, where a levee reduces flood risk, though there have been 28 flood claims nearby since 1978.

Source: FEMA National Flood Hazard Layer, effective May 1, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
reduced by levee · depends on levee performance
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies4 in force
Nearby Flood Claims28 (1978–2013)
Claims Outside the SFHA18 of 28
Most Recent ClaimFeb 2013 · rainfall accumulation
Claims by Event
  • Severe Storms, Flooding, Tornadoes & Straight-line, Mar 2009 · 6 claims
  • Hurricane Georges, Sep 1998 · 3 claims
  • Severe Storms, Tornadoes & Flooding, Mar 1990 · 5 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

Wildfire risk around 515 S Commerce St is low, with a 0.01% annual chance of wildfire.

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

Wildfire RiskLow
lower than 80% of the US · lower than 91% of Alabama
Wildfire Likelihood0.01% annual chance
ExposureNone
beyond ember reach

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 SystemCITY OF GENEVA, THE WW & SB OF THE
serves 9,600 people · EPA ID AL0000622
Water SourceGroundwater
Last State InspectionJan 2026
Lead2 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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 131 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Brightspeed
Fiber		2,000 / 2,000
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
Starlink
Satellite		280 / 30

May also be available: C Spire Wireless.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on S Commerce St

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