541 Eugenia St, Florence, AL 35630 Property Records

Lauderdale County property record for 541 Eugenia St, Florence, AL 35630

Property Summary

Property Type	Commercial
Details	1 ba · 946 sqft · built 1952
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on File
Last Sale	$268,900 (Apr 2026)
Tax Bill	$93 (2025)
Deeds & Mortgages	Apr 2026 Sale & Construction Loan Nov 2025 Construction Loan + 4 more
Flood Zone	Zone X (minimal risk)
APN	`24-02-03-4-001-014-000`

Property Details

APN / Parcel Number

Primary APN	`24-02-03-4-001-014-000`
Alternative APNs	`105956` `100717` `45485`

Interior

Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	946 sqft Living Area
1st Floor Area	946 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	11,326 sqft (0.26 acres)
Lot Dimensions	155 ft deep x 75 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	105956
Street Address	541 EUGENIA ST
City	FLORENCE
State	AL
Zip	35630-2306
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	75 X 160S IRR WOODLAND TERRACE SD BLK 3 LOT 7 .26 AC/C SEC 3 T3S R11W PB 2 PG 142
Legal Range	11W
Legal Township	03S
Legal Section	03
Legal Subdivision	WOODLAND TERRACE
Legal Block	3
Legal Lot Number	7
Jurisdiction	LAUDERDALE AL
Township / Civil Division	FLORENCE
Census Block Group	1
Census Block	1032
Census Tract	11000

Owner

541 Eugenia St, a commercial property, is owned by two individuals who bought it in April 2026.

Source: Lauderdale County records, as of July 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	541 EUGENIA ST, FLORENCE, AL 35630-2306
Owner Type	Individual
Vesting	Joint Tenants

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

Date	Document
Apr 24, 2026	Deed, Construction Loan · Construction Mortgage VALLEY STATE BANK
Nov 17, 2025	Deed of Trust, Mortgage · Construction Mortgage ALABAMA CENTRAL CU
Oct 21, 2025	Warranty Deed, Transfer
Jun 1, 2023	Warranty Deed, Transfer · Commercial Mortgage FIRST SOUTHERN BANK
Jul 2, 2021	Survivorship Deed, Transfer · Conventional Mortgage BANK INDEPENDENT
Jan 17, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 24, 2026 · Amount on File
Deed Sale	Apr 24, 2026 · Amount on File
Prior Sale	Jun 1, 2023 · Amount on File
Deed Document Number	2026
Prior Transfer Date	Jan 17, 2017
Prior Transfer Doc	02017/2189
Record Updated	Oct 29, 2026

April 2026: Deed, Construction Loan

Document Type	Deed
Jurisdiction	LAUDERDALE AL
Recording Date	Apr 24, 2026
Property Address	541 EUGENIA ST, FLORENCE, AL 35630-2306
Instrument Date	Apr 20, 2026
Transaction Type	Construction Loan
Record Updated	Aug 28, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	541 EUGENIA ST, FLORENCE, AL 35630-2306

Mortgage

Date	Apr 24, 2026

Lender

Name	VALLEY STATE BANK

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 20, 2056

Interest

Rate Type	Adjustable Rate
Rate	0.63%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAUDERDALE AL
Property Address	541 EUGENIA ST, FLORENCE, AL 35630-2306
Transaction Type	Mortgage
Record Updated	Dec 10, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	2025/55697
Date	Nov 17, 2025
Book Page	2025/55697

Lender

Name	ALABAMA CENTRAL CU
Type	Credit Union

Agreement

Type	Construction Mortgage
Amount	Amount on Record

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAUDERDALE AL
Recording Date	Oct 21, 2025
Property Address	541 EUGENIA ST, FLORENCE, AL 35630-2306
Document Number	2025/50582
Book / Page	2025 / 50582
Map Reference	MB 2 PG 142
Instrument Date	Oct 17, 2025
Transaction Type	Transfer
Record Updated	Nov 24, 2025

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	298 RIVER RD, MUSCLE SHOALS, AL 35661-1237

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	416 N COURT ST, FLORENCE, AL 35630-6403

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAUDERDALE AL
Recording Date	Jun 1, 2023
Property Address	541 EUGENIA ST, FLORENCE, AL 35630-2306
Document Number	2023/21532
Book / Page	2023 / 21532
Map Reference	MB 2 PG 142
Instrument Date	May 23, 2023
Transaction Type	Transfer
Record Updated	Nov 24, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1204 SADDLE SPRINGS DR, THOMPSONS STATION, TN 37179-5419

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	298 RIVER RD, MUSCLE SHOALS, AL 35661-1237

Mortgage

Document Number	0202321534
Date	Jun 1, 2023
Instrument	2023/21534

Lender

Name	FIRST SOUTHERN BANK

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

July 2021: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	LAUDERDALE AL
Recording Date	Jul 2, 2021
Property Address	541 EUGENIA ST, FLORENCE, AL 35630-2306
Document Number	2021/41689
Book / Page	2021 / 41689
Map Reference	MB 2 PG 142
Instrument Date	Jul 2, 2021
Transaction Type	Transfer
Record Updated	Nov 24, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1825 EDGEMONT DR, FLORENCE, AL 35630-2514

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1204 SADDLE SPRINGS DR, THOMPSONS STATION, TN 37179-5419

Mortgage

Document Number	202141691202141691
Date	Jul 2, 2021
Instrument	2021/41691202141691

Lender

Name	BANK INDEPENDENT

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAUDERDALE AL
Recording Date	Jan 17, 2017
Property Address	541 EUGENIA ST, FLORENCE, AL 35630-2306
Document Number	02017/2189
Book / Page	2017 / 2189
Instrument Date	Jan 17, 2017
Transaction Type	Transfer
Record Updated	Nov 24, 2025

Transaction

Amount	Amount on Record
Tax	$61.50
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1825 EDGEMONT DR, FLORENCE, AL 35630-2514

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1825 EDGEMONT DR, FLORENCE, AL 35630-2514
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 541 Eugenia St was $93, down 88.5% from the year before.

Source: Lauderdale County assessment roll, as of November 24, 2025

Property Jurisdictions

Type	Name
State	Alabama
County	Lauderdale County
Municipality	Florence City
Unified School District	Florence City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$93.00 (-88.46%)	$1,900 (-88.46%)	$9,500 (-88.45%) Land $9,500
2024	$806.00 (+11.94%)	$16,460 (+1,059.15%) Land $1,580 Building $14,880	$82,260 (+11.92%) Land $7,900 Building $74,360
2023	$720.00 (+15.2%)	$1,420 (-88.87%) Land $1,420	$73,500 (+15.2%) Land $7,100 Building $66,400
2022	$625.00	$12,760	$63,800 Land $7,800 Building $56,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 541 Eugenia St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1996.

Source: FEMA National Flood Hazard Layer, effective August 1, 2018 · 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
Nearby Flood Claims	2 (1996–2003)
Most Recent Claim	May 2003 · Severe Storms, Tornadoes, And 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.

Wildfire

Wildfire risk around 541 Eugenia St is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 91% of Alabama
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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	CITY OF FLORENCE WATER DEPARTMENT serves 77,766 people · EPA ID AL0000783
Water Source	Surface water
Last State Inspection	May 2023
Lead	3 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	2 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 491 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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