54 Willow Ln, Union Grove, AL 35175 Property Records

Marshall County property record for 54 Willow Ln, Union Grove, AL 35175

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,520 sqft · built 1992
Lot Size	5.61 acres (244,372 sqft)
Owner	Individual Name on Record
Last Sale	$355,000 (Jul 2021)
Tax Bill	$1,126 (2025)
Deeds & Mortgages	Nov 2023 Mortgage Jul 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`12-02-09-0-000-003.011`

Property Details

APN / Parcel Number

Primary APN	`12-02-09-0-000-003.011`
Alternative APNs	`122090000003011` `10316`

Interior

Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,520 sqft Living Area
1st Floor Area	1,764 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	244,372 sqft (5.61 acres)
Garage Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	10316
Street Address	54 WILLOW LN
City	UNION GROVE
State	AL
Zip	35175-8567
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM NW COR OF SEC 9, T 7, R 1; TH S 586.97 TO POB; CONT 5.61 AC 780/815
Legal Range	1E
Legal Township	7S
Legal Section	09
Jurisdiction	MARSHALL AL
Township / Civil Division	UNION GROVE
Census Block Group	1
Census Block	1002
Census Tract	30301

Owner

Source: Marshall County records, as of July 2, 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	54 WILLOW LN, UNION GROVE, AL 35175-8567
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 2, 2023	Deed of Trust, Mortgage · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA
Jul 14, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 14, 2021 · Amount on Record
Deed Sale	Jul 14, 2021 · Amount on Record
Deed Document Number	20213230300
Deed Book / Page	6607 / 321
Record Updated	Sep 20, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARSHALL AL
Property Address	54 WILLOW LN, UNION GROVE, AL 35175-8567
Transaction Type	Mortgage
Record Updated	Feb 28, 2024
Title Company	BOSTON NATIONAL TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003270899
Date	Nov 2, 2023
Book Page	7041/886
Instrument	3270899

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank
Address	CINCINNATI, OH 45245

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.85%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2033
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	11.8%
Margin	3
Max Rate	11.8%

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARSHALL AL
Recording Date	Jul 14, 2021
Property Address	54 WILLOW LN, UNION GROVE, AL 35175-8567
Document Number	0003230300
Book / Page	6607 / 321
Instrument Date	Jul 8, 2021
Instrument	3230300
Transaction Type	Transfer
Record Updated	Jul 23, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	276 BUCKSKIN DR, 276, GUNTERSVILLE, AL 35976

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	54 WILLOW LN, UNION GROVE, AL 35175-8567

Tax Assessment & Valuation

Source: Marshall County assessment roll, as of June 23, 2026

Property Jurisdictions

Type	Name
State	Alabama
County	Marshall County
Unified School District	Marshall County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,126.00 (+12.71%)	$31,460 (+12.12%)	$337,100 (+20.22%) Land $81,000 Building $256,100
2023	$999.00 (+18.79%)	$28,060 (+17.6%)	$280,400 (+17.62%) Land $44,500 Building $235,900
2021	$841.00 Homeowner's exemption	$23,860	$238,400 Land $44,500 Building $193,900

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 March 21, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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	UNION GROVE UTILITY BOARD serves 3,072 people · EPA ID AL0000951
Water Source	Purchased surface water from CITY OF ARAB, WATER WORKS BOARD OF THE
Last State Inspection	Feb 2026
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Coliform assessment Jul 2022
Monitoring and Reporting	1 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 24 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
GoNetspeed Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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