5406 Cottage Ln, Hoover (Birmingham), AL 35226 Property Records

Jefferson County property record for 5406 Cottage Ln, Hoover, AL 35226

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,328 sqft · built 1999
Owner	Individual Name on File
Last Sale	$127,320 (Feb 2000)
Tax Bill	$1,944 (2025)
Deeds & Mortgages	Sep 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`39-00-29-1-000-002.078`

Property Details

APN / Parcel Number

Primary APN	`39-00-29-1-000-002.078`
Alternative APNs	`39291000002078RR00` `64085`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	4 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,328 sqft Living Area
Gross Area	1,860 sqft
1st Floor Area	1,328 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Exterior Material	Brick
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Dimensions	171 ft deep x 41.5 ft wide
Garage Type	Attached
Garage Area	400 sqft
Porch	Porch
Porch Area	32 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	64085
Old Parcel Number	39291000002078RR00
Street Address	5406 COTTAGE LN
City	HOOVER
State	AL
Zip	35226-5079
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PR1
Legal Description	LOT 10 OF THE COTTAGES AT DEER VALLEY UNIT TWO 34/3
Legal Range	03W
Legal Township	19S
Legal Section	29
Legal Quarter	NE
Legal Subdivision	COTTAGE AT DEER VALLEY TH
Legal Lot Number	10
Legal Unit	2
Jurisdiction	JEFFERSON AL
Township / Civil Division	HOOVER
Census Block Group	2
Census Block	2015
Census Tract	14415

Owner

5406 Cottage Ln is owned and occupied by an individual who bought it in February 2000.

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

Owner of Record	Individual Name on File
Mailing Address	5406 COTTAGE LN, HOOVER, AL 35226-5079
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 9, 2000 · Amount on File
Deed Sale	Feb 9, 2000 · Amount on File
Deed Document Number	2000603450
Deed Book / Page	200060 / 3450
Record Updated	Jun 8, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON AL
Property Address	5406 COTTAGE LN, HOOVER, AL 35226-5079
Document Number	0000103448
Instrument Date	Sep 28, 2017
Transaction Type	Mortgage
Record Updated	Oct 13, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5406 COTTAGE LN HOOVER AL 352265079, HOOVER, AL 35226-5079

Mortgage

Document Number	0000103448
Date	Oct 5, 2017
Instrument	103448

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Oct 4, 2037

Tax Assessment & Valuation

The 2025 property tax bill for 5406 Cottage Ln was $1,944 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Alabama
County	Jefferson County
Municipality	Hoover City
Unified School District	Hoover City School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,944.00 Homeowner's exemption	$27,520	$275,200 Land $125,000 Building $150,200
2023		$25,660 Land $12,505 Building $13,155	$256,500 Land $125,000 Building $131,500
2022	$1,658.00

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 5406 Cottage Ln in Zone X, an area of minimal flood risk.

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

Wildfire risk around 5406 Cottage Ln is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 67% of the US · lower than 85% of Alabama
Wildfire Likelihood	0.03% 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	CENTRAL ALABAMA WATER serves 653,322 people · EPA ID AL0000738
Water Source	Surface water
Last State Inspection	Mar 2025
Lead	1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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.

Internet Providers

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

Provider	Max 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