Winston County property record for 537 Ridge Dr, Arley, AL 35541
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 3,647 sqft · built 2020 |
| Lot Size | 2.6 acres (113,256 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,390,000 (Jun 2024) |
| Tax Bill | $4,148 (2026) |
| Deeds & Mortgages | Nov 2019 Mortgage Oct 2018 Construction Loan + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 38809 |
| Primary APN | 38809 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Plumbing Fixtures | 14 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 3,647 sqft Living Area |
| 1st Floor Area | 2,063 sqft |
| Upper Floors Area | 1,584 sqft |
| Basement Area | 2,063 sqft |
| Finished Basement | 2,063 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 113,256 sqft (2.6 acres) |
| Lot Dimensions | 240 ft deep x 150 ft wide |
| Garage Type | Mixed |
| Garage Area | 652 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Patio |
| Porch Area | 113 sqft |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 38809 |
|---|---|
| Street Address | 537 RIDGE DR |
| City | ARLEY |
| State | AL |
| Zip | 35541-4663 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 53 RIDGE AT ROCK CREEK MB 3 PG 184 S9 T11 R6 |
| Legal Range | 06W |
| Legal Township | 11S |
| Legal Section | 09 |
| Legal Subdivision | RIDGE AT ROCK CREEK |
| Legal Lot Number | 53 |
| Jurisdiction | WINSTON AL |
| Township / Civil Division | ADDISON |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 965503 |
Source: Winston County records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 486 STERNS XING, BRENTWOOD, TN 37027-5839 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Nov 5, 2019 | Deed of Trust, Mortgage · Conventional Mortgage TRADERS & FARMERS BANK |
| Oct 2, 2018 | Deed of Trust, Mortgage · Construction Mortgage TRADERS & FARMERS BANK |
| Jun 24, 2024 | Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA |
| Aug 29, 2022 | Warranty Deed, Construction Loan · Construction Mortgage CADENCE BANK NA |
| Nov 5, 2019 | Deed of Trust, Mortgage · Conventional Mortgage TRADERS & FARMERS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 24, 2024 · Amount on Record |
| Deed Sale | Jun 24, 2024 · Amount on Record |
| Prior Sale | Jun 16, 2023 · Amount on Record |
| Deed Document Number | 2024 |
| Deed Book / Page | 2024 / 3205 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINSTON AL |
| Property Address | 537 RIDGE DR, ARLEY, AL 35541-4663 |
| Transaction Type | Mortgage |
| Record Updated | Jan 15, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000643/257 |
|---|---|
| Date | Nov 5, 2019 |
| Book Page | 643/257 |
| Name | TRADERS & FARMERS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Oct 25, 2029 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINSTON AL |
| Property Address | 537 RIDGE DR, ARLEY, AL 35541-4663 |
| Transaction Type | Mortgage |
| Record Updated | Jan 15, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000631/965 |
|---|---|
| Date | Oct 2, 2018 |
| Book Page | 631/965 |
| Name | TRADERS & FARMERS BANK |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WINSTON AL |
| Recording Date | Jun 24, 2024 |
| Property Address | 537 RIDGE DR, ARLEY, AL 35541-4663 |
| Document Number | 02024/3205 |
| Book / Page | 2024 / 3205 |
| Map Reference | MB 3 PG 184 |
| Instrument Date | Jun 20, 2024 |
| Transaction Type | Transfer |
| Record Updated | Jan 15, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2577 NORTHPLACE DR, TUPELO, MS 38804-9103 |
| Name | Verified Name |
|---|---|
| Address | 486 STERNS XING, BRENTWOOD, TN 37027-5839 |
| Document Number | 0020243935 |
|---|---|
| Date | Jun 24, 2024 |
| Instrument | 2024/3935 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WINSTON AL |
| Recording Date | Aug 29, 2022 |
| Property Address | 537 RIDGE DR, ARLEY, AL 35541-4663 |
| Document Number | 000361/748 |
| Book / Page | 361 / 748 |
| Map Reference | MB 3 PG 184 |
| Instrument Date | Aug 26, 2022 |
| Transaction Type | Construction Loan |
| Record Updated | Jan 15, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1027 BUFFINGTON RD, HUNTSVILLE, AL 35808-1325 |
| Name | Verified Name |
|---|---|
| Address | 600 W MAIN ST # B, B, TUPELO, MS 38804-3733 |
| Document Number | 0000684511 |
|---|---|
| Date | Aug 29, 2022 |
| Instrument | 684/511 |
| Name | CADENCE BANK NA |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Sep 5, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Sep 5, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 5.5% |
| Max Rate At Change | 7.5% |
| Index | 1-Year CMT |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINSTON AL |
| Property Address | 537 RIDGE DR, ARLEY, AL 35541-4663 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 643/257 |
|---|---|
| Date | Nov 5, 2019 |
| Book Page | 643/257 |
| Name | TRADERS & FARMERS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Oct 25, 2029 |
| Rate Type | Fixed Rate |
|---|
Source: Winston County assessment roll, as of January 15, 2026
| Type | Name |
|---|---|
| State | Alabama |
| Municipality | Arley Town |
| County | Winston County |
| Unified School District | Winston County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,148.00 (+6.99%) | ||
| 2025 | $3,877.00 (-39.67%) | $117,500 (-39.66%) | $1,174,700 (+20.64%) Land $164,500 Building $1,010,200 |
| 2024 | $6,426.00 (+8.13%) | $194,740 (+8.12%) | $973,700 (+8.11%) Land $159,700 Building $814,000 |
| 2023 | $5,943.00 | $180,120 (+223.84%) | $900,620 (+61.9%) Land $159,700 Building $740,920 |
| 2022 | Additional exemption filed | $55,620 | $556,280 Land $105,000 Building $451,280 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective September 16, 2011 · 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 | 2 (2008–2021) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Apr 2021 · river or lake 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 54% of the US · above 67% of Alabama |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 17 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Sprout Fiber Internet Fiber | 2,000 / 2,000 |
| Spectrum Fiber | 1,000 / 1,000 |
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