574 Cove Dr, Eclectic, AL 36024 Property Records

Elmore County property record for 574 Cove Dr, Eclectic, AL 36024

Property Summary

Property Type	Single Family Home
Details	4 ba · 3,370 sqft · built 2017
Lot Size	0.145 acres (6,323 sqft)
Owner	Individual Name on Record
Last Sale	$151,500 (Jun 2015)
Tax Bill	$3,761 (2026)
Deeds & Mortgages	Jan 2023 Line of Credit Jun 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-05-21-4-003-012.000`

Property Details

APN / Parcel Number

Primary APN	`07-05-21-4-003-012.000`
Alternative APN	`652460`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,370 sqft Living Area
1st Floor Area	1,404 sqft
Upper Floors Area	983 sqft
Basement Area	1,404 sqft
Finished Basement	1,404 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Other
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	6,323 sqft (0.145 acres)
Garage Type	Attached
Garage Area	528 sqft

Exterior Amenities

Porch	Slab
Porch Area	1,406 sqft
Deck Area	280 sqft
Patio Area	280 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	574 COVE DR
City	ECLECTIC
State	AL
Zip	36024-4543
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 9 BLK 1 UNIT 3 KOWALIGA BAY EST PB3 PG169
Legal Range	21E
Legal Township	20N
Legal Section	21
Legal Subdivision	KOWALIGA BAY ESTATES UN 3
Legal Block	1
Legal Lot Number	9
Legal Unit	3
Jurisdiction	ELMORE AL
Township / Civil Division	ECLECTIC
Census Block Group	1
Census Block	1013
Census Tract	30300

Owner

Source: Elmore County records, as of October 20, 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	4244 OLD LEEDS RD, MOUNTAIN BRK, AL 35213-3212
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 11, 2023	Deed of Trust, Mortgage · Line of Credit SOUTH STATE BANK NA
Jun 22, 2022	Warranty Deed, Transfer
Oct 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage SOUTHPOINT BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 3, 2015 · Amount on Record
Deed Sale	Jun 3, 2015 · Amount on Record
Deed Book / Page	2015 / 24686
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELMORE AL
Property Address	574 COVE DR, ECLECTIC, AL 36024-4543
Transaction Type	Mortgage
Record Updated	Jan 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4244 OLD LEEDS RD, MOUNTAIN BRK, AL 35213-3212

Mortgage

Document Number	02023/1283
Date	Jan 11, 2023
Book Page	2023/1283

Lender

Name	SOUTH STATE BANK NA
Type	Bank
Address	WINTER HAVEN, FL 33880

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jan 20, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ELMORE AL
Recording Date	Jun 22, 2022
Property Address	574 COVE DR, ECLECTIC, AL 36024-4543
Document Number	2022/39206
Book / Page	2022 / 39206
Map Reference	MB 3 PG 169
Instrument Date	Jun 9, 2022
Transaction Type	Transfer
Record Updated	Jul 8, 2022

Transaction

Amount	Amount Recorded
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	Tenants in Common
Address	4244 OLD LEEDS RD, MOUNTAIN BRK, AL 35213-3212

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELMORE AL
Property Address	574 COVE DR, ECLECTIC, AL 36024-4543
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020/71318
Date	Oct 5, 2020
Book Page	2020/71318

Lender

Name	SOUTHPOINT BANK
Type	Bank
Address	BIRMINGHAM, AL 35243

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,761.00 (+6.91%)
2025	$3,518.00 (+6.87%)	$138,740 (+6.99%)	$1,946,730 (+50.13%) Land $183,720 Building $1,763,010
2024	$3,292.00 (-0.87%)	$129,680 (-50.44%)	$1,296,730 (-0.88%) Land $183,720 Building $1,113,010
2023	$3,321.00 (+49.33%)	$261,646 (+47.53%) Land $36,744 Building $224,902	$1,308,230 (+47.53%) Land $183,720 Building $1,124,510
2022	$2,224.00	$177,354 Land $35,674 Building $141,680	$886,770 Land $178,370 Building $708,400

Assessed value is set for property tax purposes, not a market price estimate; it is 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 X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2021)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2021 · rainfall accumulation

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 80% of the US · lower than 91% of Alabama
Wildfire Likelihood	0.04% 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	CENTRAL ELMORE WATER & SEWER AUTHORITY serves 39,798 people · EPA ID AL0000547
Water Source	Surface water
Last State Inspection	Aug 2023
Lead	Under 1 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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 85 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
C Spire Wireless Fiber · Cable	2,000 / 2,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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