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5309 Cottage Cir, Hoover (Birmingham), AL 35226 Property Records

Jefferson County property record for 5309 Cottage Cir, Hoover, AL 35226

Property Summary

Property TypeGarden Home
Details3 bd · 2 ba · 1,520 sqft · built 2004
Lot Size0.128 acres (5,608 sqft)
OwnerIndividual Name on File
Last Sale$175,000 (Jul 2016)
Tax Bill$2,226 (2025)
Deeds & MortgagesOct 2022 Mortgage
Nov 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN39-00-29-1-000-170.000

Property Details

APN / Parcel Number

Primary APN39-00-29-1-000-170.000
Alternative APNs
  • 39291000170000RR00
  • 74500

Interior

Bedrooms3 Beds
Full Baths2 Baths
Plumbing Fixtures4 Plumbing Fixtures
Total Rooms5 Rooms
Stories1 Story
Building Area1,520 sqft Living Area
Gross Area2,170 sqft
1st Floor Area1,520 sqft
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2004
Exterior MaterialAluminum/Vinyl
Foundation TypeSlab (Mat/Raft)
Roof TypeGable/Hip
Roof MaterialShingle
Lot Area5,608 sqft (0.128 acres)
Lot Dimensions140 ft deep x 40 ft wide
Garage TypeAttached
Garage Area477 sqft
PorchPorch
Porch Area73 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air
Heating FuelOil
SewerMunicipal
Water SourceCommercial

Location & Zoning

Account Number74500
Old Parcel Number39291000170000RR00
Street Address5309 COTTAGE CIR
CityHOOVER
StateAL
Zip35226-5110
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Garden Home
Local Zoning CodePR1
Legal DescriptionLOT 323 PHASE III DEER VALLEY GARDEN HOMES PB 38 PG 14
Legal Range03W
Legal Township19S
Legal Section29
Legal QuarterNE
Legal SubdivisionDEER VALLEY GARDEN HOMES
Legal Phase3
Legal Lot Number323
JurisdictionJEFFERSON AL
Township / Civil DivisionHOOVER
Census Block Group2
Census Block2011
Census Tract14415

Owner

5309 Cottage Cir, a garden home, is owned and occupied by an individual who bought it in July 2016.

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

Owner of RecordIndividual Name on File
Mailing Address5309 COTTAGE CIR, HOOVER, AL 35226-5110
OccupancyOwner Occupied
Owner TypeIndividual

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
Oct 17, 2022Deed of Trust, Mortgage · Conventional Mortgage
HOMEBRIDGE FINANCIAL SERVICES
Nov 19, 2020Deed of Trust, Mortgage · FHA Mortgage
HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJul 27, 2016 · Amount on File
Deed SaleJul 27, 2016 · Amount on File
Prior SaleJul 13, 2004 · Amount on File
Deed Document Number2016075301
Record UpdatedJun 8, 2026

October 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionJEFFERSON AL
Property Address5309 COTTAGE CIR, HOOVER, AL 35226-5110
Transaction TypeMortgage
Record UpdatedNov 14, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address5309 COTTAGE CIR, HOOVER, AL 35226-5110

Mortgage

Document Number0000107643
DateOct 17, 2022
Instrument2022107643
Lender
NameHOMEBRIDGE FINANCIAL SERVICES
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueJan 1, 2052

November 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionJEFFERSON AL
Property Address5309 COTTAGE CIR, HOOVER, AL 35226-5110
Document Number0000142608
Instrument DateNov 19, 2020
Transaction TypeMortgage
Record UpdatedJan 11, 2021
Title CompanyCORELOGIC-SOLUTIONS EXPRESS

Transferred To (Grantee/Buyer)

NameVerified Name
Address5309 COTTAGE CIR HOOVER AL 352265110, HOOVER, AL 35226-5110

Mortgage

Document Number0000142608
DateDec 15, 2020
Instrument142608
Lender
NameHUD-HOUSING/URBAN DEV
Address451 7TH ST SW, WASHINGTON, DC 20410-0001
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term300 Months
DueDec 14, 2045

Tax Assessment & Valuation

The 2025 property tax bill for 5309 Cottage Cir was $2,226 with a homeowner's exemption.

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

Property Jurisdictions

TypeName
StateAlabama
CountyJefferson County
MunicipalityHoover City
Unified School DistrictHoover City School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,226.00 Homeowner's exemption$31,400$313,900 Land $122,000 Building $191,900
2023$28,740 Land $12,200 Building $16,540$287,400 Land $122,000 Building $165,400
2022$1,754.00

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 5309 Cottage Cir in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective March 13, 2025

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it

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

Wildfire

Wildfire risk around 5309 Cottage Cir is low, with a 0.04% annual chance of wildfire.

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

Wildfire RiskLow
lower than 64% of the US · lower than 80% of Alabama
Wildfire Likelihood0.04% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 379 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · DSL · Fixed Wireless in parts of the area		5,000 / 5,000
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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