54 Windward Cir, Vincent, AL 35178 Property Records

St. Clair County property record for 54 Windward Cir, Vincent, AL 35178

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,812 sqft · built 1984
Lot Size	0.6 acres (26,136 sqft)
Owner	Individual Name on Record
Last Sale	$265,000 (Nov 2022)
Tax Bill	$704 (2025)
Deeds & Mortgages	Jan 2018 Mortgage Dec 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`31-05-21-0-002-005.000`

Property Details

APN / Parcel Number

Primary APN	`31-05-21-0-002-005.000`
Alternative APNs	`509870` `35891`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,812 sqft Heated Area
1st Floor Area	1,066 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	26,136 sqft (0.6 acres)
Garage Type	Mixed
Garage Area	288 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	54 WINDWARD CIR
City	VINCENT
State	AL
Zip	35178-9113
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 13 BIRMINGHAM SAIL CLUB A-30-7 21-18-3
Legal Range	03E
Legal Township	18S
Legal Section	21
Legal Subdivision	BIRMINGHAM SAIL CLUB
Legal Lot Number	13
Jurisdiction	ST CLAIR AL
Township / Civil Division	PELL CITY
Census Block Group	1
Census Block	1018
Census Tract	40213

Owner

Source: St. Clair County records, as of April 17, 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 WINDWARD CIR, VINCENT, AL 35178-9113
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 16, 2018	Deed of Trust, Mortgage · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Dec 22, 2017	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 1, 2022 · Amount on Record
Deed Sale	Nov 1, 2022 · Amount on Record
Prior Sale	Jan 3, 2022 · Amount on Record
Deed Book / Page	2022 / 15476
Prior Transfer Date	Mar 21, 2013
Prior Transfer Doc	0000011968
Record Updated	Jun 8, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR AL
Property Address	54 WINDWARD CIR, VINCENT, AL 35178-9113
Transaction Type	Mortgage
Record Updated	Sep 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001026
Date	Jan 16, 2018
Book Page	MTG 2018/01026

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2048

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR AL
Recording Date	Dec 22, 2017
Property Address	54 WINDWARD CIR, VINCENT, AL 35178-9113
Document Number	0000014235
Book / Page	2017 / 14235
Map Reference	MB 1962 PG 93
Instrument Date	Dec 21, 2017
Transaction Type	Transfer
Record Updated	Sep 14, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	424 BRIDLE TRACE DR, 424, VINCENT, AL 35178

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54 WINDWARD CIR, VINCENT, AL 35178-9113

Mortgage

Document Number	201743864
Date	Dec 22, 2017
Instrument	2017/43864

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

Source: St. Clair County assessment roll, as of April 17, 2026

Property Jurisdictions

Type	Name
State	Alabama
County	St. Clair County
Unified School District	Pell City City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$704.00 (+90.79%)	$19,560 (-49.97%)	$195,490 (-)
2023		$39,098 Land $2,360 Building $36,738	$195,490 Land $11,800 Building $183,690
2022	$369.00

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

Source: FEMA National Flood Hazard Layer, effective August 22, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 35 policies
Nearby Flood Policies	35 in force
Nearby Flood Claims	1 (2024)
Most Recent Claim	Jul 2024 · rainfall accumulation

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 45% of the US · above 50% of Alabama
Wildfire Likelihood	0.08% 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	NEW LONDON WATER & FP AUTHORITY serves 6,843 people · EPA ID AL0001437
Water Source	Groundwater
Last State Inspection	Dec 2023
Lead	Under 1 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 63 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Coosa Valley Technologies Fiber	1,000 / 1,000
Sparklight Cable	1,000 / 50

May also be available: Brightspeed.

Cell Coverage

5G (outdoors only) and 4G LTE

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