520 E Pass Rd, Andalusia, AL 36420 Property Records

Covington County property record for 520 E Pass Rd, Andalusia, AL 36420

Property Summary

Property Type	Single Family Home
Details	4 ba · 3,773 sqft · built 1979
Lot Size	1.5 acres (65,340 sqft)
Owner	Individual Name on Record
Tax Bill	$1,489 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Aug 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23-13-05-16-1-001-015.001`

Property Details

APN / Parcel Number

Primary APN	`23-13-05-16-1-001-015.001`
Alternative APNs	`13051610010150010` `1305161001015001` `23337820` `23423451`

Interior

Full Baths	4 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,773 sqft Living Area
1st Floor Area	2,594 sqft
Upper Floors Area	1,940 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	65,340 sqft (1.5 acres)
Garage Area	980 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Utility Building	70 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	23423451
Street Address	520 E PASS RD
City	ANDALUSIA
State	AL
Zip	36420-3510
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DB/PG>2023/14355 JSD 8/17/2023 BEG @ INT OF S R/W E PASS RD WITH E LN OF W2 OF SW4 OF NE4 SEC 16 T4N R16E POB; TH S-400';
Legal Range	16E
Legal Township	04N
Legal Section	16
Jurisdiction	COVINGTON AL
Township / Civil Division	ANDALUSIA
Census Block Group	1
Census Block	1043
Census Tract	962000

Owner

Source: Covington County records, as of June 18, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	520 E PASS RD, ANDALUSIA, AL 36420-3510
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 23, 2026	Deed of Trust, Mortgage · FHA Mortgage NEST HOME LENDING LLC
Aug 21, 2023	Survivorship Deed, Transfer · FHA Mortgage ENVOY MORTGAGE LTD

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COVINGTON AL
Recording Date	Apr 23, 2026
Property Address	520 E PASS RD, ANDALUSIA, AL 36420-3510
Document Number	2026008820
Book / Page	2026 / 8820
Instrument Date	Apr 14, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 E PASS RD, ANDALUSIA, AL 36420-3510

Mortgage

Document Number	2026008820,
Date	Apr 23, 2026
Book Page	2026/8820

Lender

Name	NEST HOME LENDING LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.22%
Max Rate	-1%

August 2023: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	COVINGTON AL
Recording Date	Aug 21, 2023
Property Address	520 E PASS RD, ANDALUSIA, AL 36420-3510
Document Number	2023/14355
Book / Page	2023 / 14355
Instrument Date	Aug 17, 2023
Transaction Type	Transfer
Record Updated	Feb 3, 2026

Transaction

Amount	Amount Recorded
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
Relationship	Joint Tenants with Right of Survivorship
Address	520 E PASS RD, ANDALUSIA, AL 36420-3510

Mortgage

Document Number	0202314358
Date	Aug 21, 2023
Instrument	2023/14358

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

Tax Assessment & Valuation

Source: Covington County assessment roll, as of June 18, 2026

Property Jurisdictions

Type	Name
State	Alabama
Municipality	Andalusia City
County	Covington County
Unified School District	Andalusia City School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,489.00 (-37.72%)	$78,736 (+28.4%) Land $2,720 Building $76,016	$393,680 (+28.41%) Land $13,600 Building $380,080
2024	$2,391.00 (+6.55%)	$61,320 (+113.09%) Land $2,720 Building $58,600	$306,580 (+6.54%) Land $13,600 Building $292,980
2023	$2,244.00	$28,776 (+15.19%) Land $1,360 Building $27,416	$287,760 (+15.19%) Land $13,600 Building $274,160
2022	Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption	$24,982 Land $1,360 Building $23,622	$249,820 Land $13,600 Building $236,220

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

Source: FEMA National Flood Hazard Layer, effective November 4, 2009 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	4 (1998–2015)
Most Recent Claim	Dec 2015 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding

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	Low lower than 64% of the US · lower than 80% of Alabama
Wildfire Likelihood	0.04% 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	ANDALUSIA, UTILITIES BOARD OF serves 15,251 people · EPA ID AL0000356
Water Source	Groundwater
Last State Inspection	Dec 2023
Lead	3 ppb (2023–2025) 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 92 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: BuzzBroadband.

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