Madison County property record for 6105 Ruby Grace Cir, Owens Cross Roads, AL 35763
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,873 sqft · built 2023 |
| Owner | 2 Individual Names on File |
| Last Sale | $311,000 (Apr 2024) |
| Tax Bill | $1,721 (2026) |
| Deeds & Mortgages | Apr 2024 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-01-11-0-000-039.041 |
| Primary APN | 23-01-11-0-000-039.041 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,873 sqft Living Area |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 627352 |
|---|---|
| Street Address | 6105 RUBY GRACE CIR |
| City | OWENS CROSS ROADS |
| State | AL |
| Zip | 35763-4816 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 39 NATURE'S WALK ON THE FLINT PH 1 PB# 2022-233 |
| Legal Subdivision | NATURES WALK ON THE FLINT PHASE 1 |
| Legal Lot Number | 39 |
| Jurisdiction | MADISON AL |
| Township / Civil Division | NEW HOPE |
| Census Block Group | 3 |
| Census Block | 3024 |
| Census Tract | 11302 |
Source: Madison 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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 6105 RUBY GRACE CIR, OWENS CROSS ROADS, AL 35763-4816 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Man |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 15, 2024 · Amount on File |
| Deed Sale | Apr 15, 2024 · Amount on File |
| Deed Book / Page | 2024 / 12759 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON AL |
| Recording Date | Apr 15, 2024 |
| Property Address | 6105 RUBY GRACE CIR, OWENS CROSS ROADS, AL 35763-4816 |
| Document Number | 0000012759 |
| Book / Page | DEED 2024 / 12759 |
| Map Reference | MB 2022 PG 233 |
| Instrument Date | Apr 12, 2024 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | May 20, 2024 |
| Title Company | JACOB TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2101 CLINTON AVE W # W202, W202, HUNTSVILLE, AL 35805-3077 |
| Name | Verified Name |
|---|---|
| Address | 6105 RUBY GRACE CIR, OWENS CROSS ROADS, AL 35763-4816 |
| Document Number | 0202454172 |
|---|---|
| Date | Apr 15, 2024 |
| Instrument | 2024/54172 |
| Name | LENNAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2054 |
| Document Number | 0000054172 |
|---|---|
| Date | Apr 15, 2024 |
| Book Page | 2024/54172 |
| Name | LENNAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | 5505 WATERFORD DISTRICT DR # 502, MIAMI, FL 33126 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2054 |
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 | $1,721.00 (-9.37%) | ||
| 2025 | $1,899.00 (+296.45%) Homeowner's exemption | $33,580 (+306.54%) Land $5,500 Building $28,080 | $335,700 (+510.36%) Land $55,000 Building $280,700 |
| 2023 | $479.00 | $8,260 Land $8,260 | $55,000 Land $55,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 |
| Flood Insurance Cost | Premium on File median of 33 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 33 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.
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: FCC Broadband Data Collection, based on 127 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| NHTC Fiber | 8,000 / 8,000 |
| Google Fiber Fiber | 8,000 / 8,000 |
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T.
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