551 Charles St, Mobile, AL 36604 Property Records

Mobile County property record for 551 Charles St, Mobile, AL 36604

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 2,563 sqft · built 1938
Lot Size	0.49 acres (21,344 sqft)
Owner	Individual Name on Record
Last Sale	$115,000 (Jan 2016)
Deeds & Mortgages	Jun 2021 Mortgage Jul 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R022910380004010001`

Property Details

APN / Parcel Number

Primary APN	`R022910380004010001`
Alternative APNs	`29 10 38 0 004 010.001` `03038607` `3038607`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,563 sqft Living Area
1st Floor Area	1,470 sqft
Upper Floors Area	1,918 sqft
Utility Room	Utility Room
Flooring	Wood
Interior Walls	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1938
Effective Year Built	Effective 1987
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Pier/Post & Beam
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	21,344 sqft (0.49 acres)
Lot Dimensions	136 ft deep x 160 ft wide
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	924 sqft
Deck Area	72 sqft
Patio Area	72 sqft
Utility Building	240 sqft

Utilities, Heating & Cooling

Heating System	Gravity Furnace

Location & Zoning

Account Number	3038607
Street Address	551 CHARLES ST
City	MOBILE
State	AL
Zip	36604-3113
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 BOYD SUBDIVISION MBK 21/27 AND ALSO THE FOLLOWING: COMMENCING AT THE NORTHEAST CORNER OF NEW JERSEY ST AND CHARLES ST
Legal Range	04S
Legal Township	04S
Legal Section	38
Legal Subdivision	BOYD SUBDIVISION
Legal Lot Number	2
Jurisdiction	MOBILE AL
Township / Civil Division	MOBILE
Census Block Group	1
Census Block	1009
Census Tract	1002

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Midtown Historic District listed 2001 · 1,271 contributing resources · NRIS 01001293

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Mobile County records, as of September 15, 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	551 CHARLES ST, MOBILE, AL 36604-3113
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 9, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jul 23, 2019	Deed of Trust, Mortgage · VA Mortgage CLEARPATH LNDG
May 11, 2018	Deed of Trust, Mortgage · VA Mortgage CLEARPATH LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 14, 2016 · Amount on Record
Deed Sale	Jan 14, 2016 · Amount on Record
Prior Sale	May 16, 2007
Deed Document Number	20162240
Deed Book / Page	7338 / 1322
Prior Transfer Date	May 2, 2008
Prior Transfer Doc	0000036174
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MOBILE AL
Property Address	551 CHARLES ST, MOBILE, AL 36604-3113
Transaction Type	Mortgage
Record Updated	Oct 20, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000037443
Date	Jun 9, 2021
Instrument	2021037443

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MOBILE AL
Property Address	551 CHARLES ST, MOBILE, AL 36604-3113
Document Number	0000044727
Instrument Date	Jul 23, 2019
Transaction Type	Mortgage
Record Updated	Sep 2, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	551 CHARLES ST MOBILE AL 366043113, MOBILE, AL 36604-3113

Mortgage

Document Number	0000044727
Date	Aug 5, 2019
Instrument	44727

Lender

Name	CLEARPATH LNDG
Address	HONOLULU, HI 96813

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 4, 2049

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MOBILE AL
Property Address	551 CHARLES ST, MOBILE, AL 36604-3113
Document Number	0000028881
Instrument Date	May 11, 2018
Transaction Type	Mortgage
Record Updated	Feb 28, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	551 CHARLES ST MOBILE AL 366043113, MOBILE, AL 36604-3113

Mortgage

Document Number	0000028881
Date	May 24, 2018
Book Page	007639/001296
Instrument	28881

Lender

Name	CLEARPATH LNDG
Address	HONOLULU, HI 96813

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 23, 2048

Tax Assessment & Valuation

Source: Mobile County assessment roll, as of September 15, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$9,740 (+30.21%) Land $2,400 Building $7,340	$97,400 (+30.21%) Land $24,000 Building $73,400
2023	Additional exemption filed	$7,480 Land $1,800 Building $5,680	$74,800 Land $18,000 Building $56,800

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.

Flood

Source: FEMA National Flood Hazard Layer, effective October 1, 2025 · 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 10 (0% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	2 (1985–2005)
Most Recent Claim	Aug 2005 · Hurricane Katrina

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	Low lower than 93% of the US · lower than 97.7% of Alabama
Wildfire Likelihood	0.03% 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 MOBILE, BD. OF W&S COMM. OF THE serves 279,000 people · EPA ID AL0001005
Water Source	Surface water
Last State Inspection	Sep 2023
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jul 2023
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 387 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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