620 Sam Phillips St, Florence, AL 35630 Property Records

Lauderdale County property record for 620 Sam Phillips St, Florence, AL 35630

Property Summary

Property Type	Office Building
Details	3,990 sqft · built 1967
Lot Size	0.459 acres (20,000 sqft)
Owner	Individual Name on Record
Last Sale	$800,000 (Nov 2022)
Tax Bill	$5,202 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Dec 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`24-06-14-1-002-032-000`

Property Details

APN / Parcel Number

Primary APN	`24-06-14-1-002-032-000`
Alternative APNs	`088854` `104870` `88854` `6713`

Interior

Total Rooms	3 Rooms
Stories	1 Story
Building Area	3,990 sqft Total Area
1st Floor Area	3,990 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1967
Exterior Material	Brick
Fire Resistance	Wood or Wood & Steel Frame
Foundation Type	Retaining Wall
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	20,000 sqft (0.459 acres)
Lot Dimensions	160 ft deep x 125 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	104870
Street Address	620 SAM PHILLIPS ST
City	FLORENCE
State	AL
Zip	35630-5859
Property Category	Commercial
Property Type	Commercial > Office > Office Building
Local Zoning Code	02
Legal Description	125 X 160 CITY OF FLORENCE PART OF BLK 295
Legal Range	11W
Legal Township	03S
Legal Section	14
Legal Subdivision	CITY OF FLORENCE BLOCK 0295
Legal Block	295
Jurisdiction	LAUDERDALE AL
Township / Civil Division	FLORENCE
Census Block Group	1
Census Block	1129
Census Tract	10100

Owner

Source: Lauderdale County records, as of November 21, 2025

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	24200 HIGHWAY 20, WATERLOO, AL 35677-3749
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2025	Deed of Trust, Mortgage · Line of Credit BANK INDEPENDENT
Dec 12, 2022	Deed of Trust, Mortgage · Line of Credit BANK INDEPENDENT
Nov 3, 2022	Warranty Deed, Transfer · Line of Credit BANK INDEPENDENT

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 3, 2022 · Amount on Record
Deed Sale	Nov 3, 2022 · Amount on Record
Deed Document Number	0202258423
Deed Book / Page	2022 / 58423
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAUDERDALE AL
Property Address	620 SAM PHILLIPS ST, FLORENCE, AL 35630-5859
Transaction Type	Mortgage
Record Updated	Oct 22, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2025/46677
Date	Oct 1, 2025
Book Page	2025/46677

Lender

Name	BANK INDEPENDENT
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 16, 2055

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAUDERDALE AL
Property Address	620 SAM PHILLIPS ST, FLORENCE, AL 35630-5859
Transaction Type	Mortgage
Record Updated	May 14, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2022/63592
Date	Dec 12, 2022
Book Page	2022/63592

Lender

Name	BANK INDEPENDENT
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 5, 2052

Interest

Rate Type	Fixed Rate

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAUDERDALE AL
Recording Date	Nov 3, 2022
Property Address	620 SAM PHILLIPS ST, FLORENCE, AL 35630-5859
Document Number	2022/58423
Book / Page	2022 / 58423
Instrument Date	Nov 2, 2022
Transaction Type	Transfer
Record Updated	May 14, 2024

Transaction

Amount	Amount Recorded
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	180 EAST DR, FLORENCE, AL 35634-2630

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2400 HWY 20, WATERLOO, AL 35677

Mortgage

Document Number	0202258426
Date	Nov 3, 2022
Instrument	2022/58426

Lender

Name	BANK INDEPENDENT
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 2, 2052

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Lauderdale County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	Alabama
County	Lauderdale County
Municipality	Florence City
Unified School District	Florence City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,202.00 (+6.99%)	$106,180 (+6.99%)	$542,080 (+9.24%) Land $32,300 Building $509,780
2024	$4,862.00 (+11.8%)	$99,240 (+1,815.83%) Land $5,640 Building $93,600	$496,220 (+11.82%) Land $28,200 Building $468,020
2023	$4,349.00 (+24.4%)	$5,180 (-92.74%) Land $5,180	$443,760 (+24.37%) Land $25,900 Building $417,860
2022	$3,496.00	$71,360	$356,800 Land $28,800 Building $328,000

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 August 1, 2018 · 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
Nearby Flood Policies	1 in force
Nearby Flood Claims	4 (1990–2020)
Most Recent Claim	Feb 2020 · river or lake flooding

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 95% of the US · lower than 98.7% of Alabama
Wildfire Likelihood	Under 0.01% 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	CITY OF FLORENCE WATER DEPARTMENT serves 77,766 people · EPA ID AL0000783
Water Source	Surface water
Last State Inspection	May 2023
Lead	3 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	2 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 91 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless	5,000 / 5,000
Xfinity Cable	2,000 / 250

May also be available: T-Mobile, Verizon.

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