5540 Joy Ger Dr, Millbrook, AL 36054 Property Records

Elmore County property record for 5540 Joy Ger Dr, Millbrook, AL 36054

Property Summary

Property Type	Single Family Home
Details	2 ba · 3,012 sqft · built 1984
Lot Size	3.2 acres (139,392 sqft)
Owner	Individual Name on Record
Last Sale	$201,000 (Nov 2017)
Tax Bill	$1,016 (2026)
Deeds & Mortgages	Oct 2021 Mortgage Nov 2020 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`15-09-29-0-001-021.000`

Property Details

APN / Parcel Number

Primary APN	`15-09-29-0-001-021.000`
Alternative APN	`585030`

Interior

Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	3,012 sqft Living Area
1st Floor Area	1,772 sqft
Basement Area	1,772 sqft
Finished Basement	1,772 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	139,392 sqft (3.2 acres)
Garage Type	Carport
Garage Area	528 sqft
Carport	Carport
Carport Area	528 sqft
Porch	Slab
Porch Area	780 sqft
Patio Area	307 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	5540 JOY GER DR
City	MILLBROOK
State	AL
Zip	36054-1736
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	REMARKS: 2019 O/S(REF#:2017-054295)
Legal Range	17E
Legal Township	18N
Legal Section	29
Jurisdiction	ELMORE AL
Township / Civil Division	ELMORE
Census Block Group	1
Census Block	1003
Census Tract	31002

Owner

Source: Elmore County records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	5540 JOY GER DR, MILLBROOK, AL 36054-1736
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 18, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Nov 18, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Nov 2, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 2, 2017 · Amount on Record
Deed Sale	Nov 2, 2017 · Amount on Record
Deed Book / Page	2017 / 54295
Prior Transfer Date	Oct 27, 2017
Prior Transfer Doc	2017/54295
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELMORE AL
Property Address	5540 JOY GER DR, MILLBROOK, AL 36054-1736
Transaction Type	Mortgage
Record Updated	Nov 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021/87551
Date	Oct 18, 2021
Book Page	2021/87551

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	316 Months
Due	Feb 1, 2048

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELMORE AL
Property Address	5540 JOY GER DR, MILLBROOK, AL 36054-1736
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020/85368
Date	Nov 18, 2020
Book Page	2020/85368

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	326 Months
Due	Jan 1, 2048

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ELMORE AL
Recording Date	Nov 2, 2017
Property Address	5540 JOY GER DR, MILLBROOK, AL 36054-1736
Document Number	2017/54295
Book / Page	2017 / 54295
Instrument Date	Oct 27, 2017
Transaction Type	Transfer
Record Updated	Mar 3, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5540 JOY GER DR, 5540, MILLBROOK, AL 36054-1736

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5540 JOY GER DR, MILLBROOK, AL 36054-1736

Tax Assessment & Valuation

Source: Elmore County assessment roll, as of March 19, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,016.00 (+2.21%)
2025	$994.00 (+3.01%)	$39,500 (+3.03%)	$395,000 (+3.03%) Land $46,000 Building $349,000
2024	$965.00 (+13.66%)	$38,340 (+13.8%)	$383,400 (+13.8%) Land $46,000 Building $337,400
2023	$849.00 (+6.79%)	$33,690 (+6.88%) Land $4,600 Building $29,090	$336,900 (+6.88%) Land $46,000 Building $290,900
2022	$795.00	$31,520 Land $4,600 Building $26,920	$315,200 Land $46,000 Building $269,200

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 February 20, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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

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

Wildfire Risk	Low lower than 62% of the US · lower than 76% of Alabama
Wildfire Likelihood	0.05% 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	MILLBROOK UTILITIES serves 5,451 people · EPA ID AL0000539
Water Source	Purchased surface water from FIVE STAR WATER SUPPLY DISTRICT
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2025–2027) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 90 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Central Access.

Cell Coverage

5G and 4G LTE (outdoors only)

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