6121 Ruby Grace Cir, Owens Cross Roads, AL 35763 Property Records

Madison County property record for 6121 Ruby Grace Cir, Owens Cross Roads, AL 35763

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,841 sqft · built 2024
Owner	2 Individual Names on File
Last Sale	$306,801 (Mar 2025)
Tax Bill	$1,743 (2026)
Deeds & Mortgages	Jan 2026 Sale & Mortgage Mar 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23-01-11-0-000-039.033`

Property Details

APN / Parcel Number

Primary APN	`23-01-11-0-000-039.033`
Alternative APNs	`584042` `584010`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,841 sqft Living Area
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Asphalt

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	584010
Street Address	6121 RUBY GRACE CIR
City	OWENS CROSS ROADS
State	AL
Zip	35763-4816
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 31 NATURE'S WALK ON THE FLINT PH 1 PB# 2022-233
Legal Subdivision	NATURE'S WALK ON THE FLINT PHASE 1
Legal Lot Number	31
Jurisdiction	MADISON AL
Township / Civil Division	NEW HOPE
Census Block Group	3
Census Block	3024
Census Tract	11302

Owner

6121 Ruby Grace Cir is owned and occupied by two individuals who bought it in March 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	6121 RUBY GRACE CIR, OWENS CROSS ROADS, AL 35763-4816
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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

Deeds, Mortgages & Sale History

Date	Document
Jan 21, 2026	Re-recorded Document · Conventional Mortgage LENNAR MORTGAGE LLC
Mar 3, 2025	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage LENNAR MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 3, 2025 · Amount on File
Deed Sale	Mar 3, 2025 · Amount on File
Deed Book / Page	2025 / 7173
Record Updated	Oct 29, 2026

January 2026: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	MADISON AL
Recording Date	Jan 21, 2026
Property Address	6121 RUBY GRACE CIR, OWENS CROSS ROADS, AL 35763-4816
Document Number	0000002290
Book / Page	DEED2026 / 2290
Map Reference	MB 2024 PG 307-308
Instrument Date	Jan 14, 2026
Record Updated	Feb 3, 2026
Title Company	LENNAR TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1300 ENTERPRISE WAY NW STE 201, 201, HUNTSVILLE, AL 35806-4477

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4600 HAMPTON GLEN CIR SE, OWENS CROSS ROADS, AL 35763

Mortgage

Document Number	0202611426
Date	Jan 21, 2026
Instrument	2026/11426

Lender

Name	LENNAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

March 2025: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON AL
Recording Date	Mar 3, 2025
Property Address	6121 RUBY GRACE CIR, OWENS CROSS ROADS, AL 35763-4816
Document Number	0000007173
Book / Page	DEED2025 / 7173
Map Reference	MB 2022 PG 233
Instrument Date	Feb 27, 2025
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 17, 2025
Title Company	LENNAR TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1300 ENTERPRISE WAY NW STE 201, 201, HUNTSVILLE, AL 35806-4477

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6121 RUBY GRACE CIR, OWENS CROSS ROADS, AL 35763-4816

Mortgage

Document Number	0202532794
Date	Mar 3, 2025
Instrument	2025/32794

Lender

Name	LENNAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2055

Tax Assessment & Valuation

The 2026 property tax bill for 6121 Ruby Grace Cir was $1,743, down 13.7% from the year before.

Source: Madison County assessment roll, as of November 17, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,743.00 (-13.67%)
2025	$2,019.00	$34,820 Land $5,500 Building $29,320	$348,100 Land $55,000 Building $293,100

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

FEMA maps place 6121 Ruby Grace Cir in Zone X, an area of minimal flood risk.

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.

Wildfire

Wildfire risk around 6121 Ruby Grace Cir is low, with a 0.02% annual chance of 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	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

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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