614 Low Gap Rd, Gurley, AL 35748 Property Records

Madison County property record for 614 Low Gap Rd, Gurley, AL 35748

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,731 sqft · built 2015
Lot Size	4.9 acres (213,444 sqft)
Owner	2 Individual Names on File
Last Sale	$450,000 (Oct 2021)
Tax Bill	$1,557 (2026)
Deeds & Mortgages	Oct 2021 Sale & Mortgage May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`22-02-09-0-000-013.000`

Property Details

APN / Parcel Number

Primary APN	`22-02-09-0-000-013.000`
Alternative APNs	`084477` `468900` `581420`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,731 sqft Living Area
1st Floor Area	1,553 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Exterior Material	Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	213,444 sqft (4.9 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	581420
Street Address	614 LOW GAP RD
City	GURLEY
State	AL
Zip	35748-8627
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEC 9 T5S R2E COM AT THE CEN OF THE E BDY OF SEC 9 TH S 1094.21 FT TH W TO THE W MAR OF LOW GAP RD & THE POB TH FR THE POB S
Legal Range	02E
Legal Township	05S
Legal Section	09
Jurisdiction	MADISON AL
Township / Civil Division	NEW HOPE
Census Block Group	1
Census Block	1000
Census Tract	11301

Owner

614 Low Gap Rd is owned and occupied by two individuals who bought it in October 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	614 LOW GAP RD, GURLEY, AL 35748-8627
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2021	Warranty Deed, Transfer · Conventional Mortgage CERTAINTY HOME LOANS LLC
May 22, 2020	Deed of Trust, Mortgage · VA Mortgage CERTAINTY HM LNS LLC
Jul 10, 2018	Grant Deed, Transfer · VA Mortgage USAA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 6, 2021 · Amount on File
Deed Sale	Oct 6, 2021 · Amount on File
Prior Sale	Jul 10, 2018 · Amount on File
Deed Document Number	202183048
Prior Transfer Date	Oct 16, 2008
Prior Transfer Doc	0000668300
Record Updated	Oct 29, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON AL
Recording Date	Oct 6, 2021
Property Address	614 LOW GAP RD, GURLEY, AL 35748-8627
Document Number	0000083048
Instrument Date	Oct 1, 2021
Instrument	2021-00083048
Transaction Type	Transfer
Record Updated	Jun 29, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

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	123 VICTORIAN ROSE LN, GURLEY, AL 35748-8981

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	614 LOW GAP RD, GURLEY, AL 35748-8627

Mortgage

Document Number	0000083049
Date	Oct 6, 2021
Instrument	2021-00083049

Lender

Name	CERTAINTY HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON AL
Property Address	614 LOW GAP RD, GURLEY, AL 35748-8627
Document Number	0000044986
Instrument Date	May 22, 2020
Transaction Type	Mortgage
Record Updated	Aug 20, 2020
Title Company	MLJ ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	614 LOW GAP RD GURLEY AL 357488627, GURLEY, AL 35748-8627

Mortgage

Document Number	0000044986
Date	Jun 25, 2020
Instrument	44986

Lender

Name	CERTAINTY HM LNS LLC
Address	PLANO, TX 75024

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 24, 2050

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MADISON AL
Recording Date	Jul 10, 2018
Property Address	614 LOW GAP RD, GURLEY, AL 35748-8627
Document Number	0000043995
Instrument Date	Jul 9, 2018
Instrument	43995
Transaction Type	Transfer
Record Updated	Jul 31, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$12.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	614 LOW GAP RD GURLEY AL 357488627, GURLEY, AL 35748-8627

Mortgage

Document Number	43996
Date	Jul 10, 2018
Instrument	43996

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 9, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 614 Low Gap Rd was $1,557 with a homeowner's exemption, up 8.9% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,557.00 (+8.88%)
2025	$1,430.00 Homeowner's exemption	$41,140 Land $7,840 Building $33,300	$411,300 Land $78,400 Building $332,900
2023	$1,400.00 (+41.99%) Homeowner's exemption	$40,360 (+40.53%) Land $7,840 Building $32,520	$401,300 (+39.78%) Land $78,400 Building $322,900
2022	$986.00 Homeowner's exemption	$28,720 Land $4,660 Building $24,060	$287,100 Land $46,600 Building $240,500

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 614 Low Gap Rd 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 17 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	17 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 614 Low Gap Rd 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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
NHTC Fiber	8,000 / 8,000
Xfinity Cable	1,200 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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