Chambers County property record for 5521 Co Rd 278, Five Points, AL 36855
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,950 sqft · built 1900 |
| Lot Size | 3 acres (130,680 sqft) |
| Owner | Individual Name on File |
| Last Sale | $343,000 (Jan 2024) |
| Deeds & Mortgages | Aug 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-02-01-12-0-000-012.000 |
| Primary APN | 12-02-01-12-0-000-012.000 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,950 sqft Living Area |
| 1st Floor Area | 1,950 sqft |
| Upper Floors Area | 1,950 sqft |
| Flooring | Softwood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 130,680 sqft (3 acres) |
| Garage Area | 300 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 573 sqft |
| Sewer | Connected |
|---|
| Account Number | 11603 |
|---|---|
| Street Address | 5521 COUNTY ROAD 278 |
| City | FIVE POINTS |
| State | AL |
| Zip | 36855-2824 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SEC 12, T 24N, R 27E. |
| Legal Range | 27 |
| Legal Township | 24 |
| Legal Section | 12 |
| Jurisdiction | CHAMBERS AL |
| Township / Civil Division | FIVE POINTS |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 953800 |
5521 Co Rd 278 is owned and occupied by an individual who bought it in January 2024.
Source: Chambers County records, as of May 26, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 31080 US HIGHWAY 431, FIVE POINTS, AL 36855-2332 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 29, 2024 · Amount on File |
| Deed Sale | Jan 29, 2024 · Amount on File |
| Deed Document Number | 2024354 |
| Prior Transfer Date | Jan 25, 2024 |
| Prior Transfer Doc | 0000000354 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHAMBERS AL |
| Recording Date | Aug 26, 2026 |
| Property Address | 5521 COUNTY ROAD 278, FIVE POINTS, AL 36855-2824 |
| Document Number | 0000003924 |
| Instrument Date | Aug 25, 2026 |
| Instrument | 20263924 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership, 266 |
| Address | 5306 COUNTY ROAD 54, CAMP HILL, AL 36850-2674 |
| Document Number | 0000003924, |
|---|---|
| Date | Aug 26, 2026 |
| Instrument | 20263924 |
| Name | ALABAMA AGENCY CREDIT FLCA |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Sep 1, 2046 |
| Max Rate | -1% |
|---|
Source: Chambers County assessment roll, as of May 12, 2026
| Type | Name |
|---|---|
| State | Alabama |
| County | Chambers County |
| Unified School District | Chambers County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $15,808 Land $3,180 Building $12,628 | $79,040 Land $15,900 Building $63,140 | |
| 2023 | Additional exemption filed | $7,900 Land $1,580 Building $6,320 | $79,020 Land $15,870 Building $63,150 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 5521 Co Rd 278 in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective February 18, 2011 · 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 |
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 5521 Co Rd 278 is moderate, ranking above 54% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 54% of the US · above 67% of Alabama |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | EAST ALABAMA, WATER & FIRE PRO DISTRICT serves 17,532 people · EPA ID AL0000174 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Jun 2023 |
| Lead | 2 ppb (2023–2025) 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 8 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| TEC DSL | 50 / 5 |
4G LTE only, no 5G reported
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