Madison County property record for 550 Carters Gin Rd, Toney, AL 35773
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 3,074 sqft · built 2008 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $337,000 (Jul 2021) |
| Tax Bill | $5,114 (2026) |
| Deeds & Mortgages | Apr 2017 Line of Credit Jul 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-09-29-0-000-056.000 |
| Primary APN | 07-09-29-0-000-056.000 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 3,074 sqft Living Area |
| 1st Floor Area | 3,074 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2008 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 87,120 sqft (2 acres) |
| Utility Building | 192 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 572396 |
|---|---|
| Street Address | 550 CARTERS GIN RD |
| City | TONEY |
| State | AL |
| Zip | 35773-9013 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SEC 29 T2S R1W PT OF SW1/4 OF SEC 29 DESC AS BEG ON S MAR OF CARTER'S GIN RD & BEING S 484.02 FT E 48.59 FT N 83 DEG E 310.52 |
| Legal Range | 01W |
| Legal Township | 02S |
| Legal Section | 29 |
| Jurisdiction | MADISON AL |
| Township / Civil Division | HUNTSVILLE |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 10502 |
550 Carters Gin Rd is owned and occupied by two individuals who bought it in July 2021.
Source: Madison County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 550 CARTERS GIN RD, TONEY, AL 35773-9013 |
| 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.
| Date | Document |
|---|---|
| Apr 5, 2017 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Jul 7, 2021 | Warranty Deed, Transfer · Conventional Mortgage TJC MORTGAGE INC |
| Jul 12, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 7, 2021 · Amount on File |
| Deed Sale | Jul 7, 2021 · Amount on File |
| Prior Sale | Sep 26, 2013 · Amount on File |
| Deed Document Number | 202155430 |
| Prior Transfer Date | Jul 6, 2021 |
| Prior Transfer Doc | 0000055428 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON AL |
| Property Address | 550 CARTERS GIN RD, TONEY, AL 35773-9013 |
| Transaction Type | Mortgage |
| Record Updated | Nov 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000184870 |
|---|---|
| Date | Apr 5, 2017 |
| Instrument | 20170405000184870 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 72 Months |
| Due | Apr 20, 2023 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON AL |
| Recording Date | Jul 7, 2021 |
| Property Address | 550 CARTERS GIN RD, TONEY, AL 35773-9013 |
| Document Number | 0000055430 |
| Instrument Date | Jun 30, 2021 |
| Instrument | 2021-00055430 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 635 MADISON PARK DR, MADISON, AL 35758-2058 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 550 CARTERS GIN RD, TONEY, AL 35773-9013 |
| Document Number | 0000055431 |
|---|---|
| Date | Jul 7, 2021 |
| Instrument | 2021-00055431 |
| Name | TJC MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON AL |
| Property Address | 550 CARTERS GIN RD, TONEY, AL 35773-9013 |
| Document Number | 0000055042 |
| Instrument Date | Jul 12, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 15, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 550 CARTNERS GIN RD TONEY AL 35773, TONEY, AL 35773 |
| Document Number | 0000055042 |
|---|---|
| Date | Jul 29, 2020 |
| Instrument | 55042 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jul 28, 2035 |
The 2026 property tax bill for 550 Carters Gin Rd was $5,114, up 1.6% from the year before.
Source: Madison County assessment roll, as of November 17, 2025
| Type | Name |
|---|---|
| State | Alabama |
| County | Madison County |
| Municipality | Huntsville City |
| Unified School District | Huntsville City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,114.00 (+1.59%) | ||
| 2025 | $5,034.00 | $86,800 Land $8,400 Building $78,400 | $434,000 Land $42,000 Building $392,000 |
| 2023 | $4,795.00 (+10.74%) | $82,680 (+10.74%) Land $8,400 Building $74,280 | $413,400 (+10.74%) Land $42,000 Building $371,400 |
| 2022 | $4,330.00 Homeowner's exemption | $74,660 Land $5,500 Building $69,160 | $373,300 Land $27,500 Building $345,800 |
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.
FEMA maps place 550 Carters Gin Rd in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1986.
Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · 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 |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 4 (1986–2011) |
| Claims Outside the SFHA | 4 of 4 |
| Most Recent Claim | Apr 2011 · Severe Storms, Tornadoes, Straight-line Winds, 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 risk around 550 Carters Gin Rd 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | HUNTSVILLE UTILITIES WATER DEPT. serves 310,107 people · EPA ID AL0000882 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2023 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 11 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Verizon Fixed Wireless | 300 / 20 |
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