643 Stone Dr, Gurley, AL 35748 Property Records

Madison County property record for 643 Stone Dr, Gurley, AL 35748

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 2,502 sqft · built 1987
Lot Size	10 acres (435,600 sqft)
Owner	2 Individual Names on Record
Last Sale	$411,700 (Mar 2023)
Tax Bill	$3,057 (2026)
Deeds & Mortgages	Sep 2025 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`12-08-33-0-000-002.001`

Property Details

APN / Parcel Number

Primary APN	`12-08-33-0-000-002.001`
Alternative APNs	`285166` `608447`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,502 sqft Living Area
1st Floor Area	2,502 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Exterior Material	Vinyl
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	435,600 sqft (10 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	608447
Street Address	643 STONE DR
City	GURLEY
State	AL
Zip	35748-8316
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEC 28&33 T3S R2E COMM AT THE SW COR OF SEC 28 TH S 57 DEG E 603.92 FT TO THE POB TH N 31 DEG E 358.72 FT N 89 DEG E 164.49 F
Legal Range	02E
Legal Township	03S
Legal Section	33
Jurisdiction	MADISON AL
Township / Civil Division	NEW MARKET
Census Block Group	1
Census Block	1031
Census Tract	10200

Owner

Source: Madison 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	2 Individual Names on Record
Mailing Address	643 STONE DR, GURLEY, AL 35748-8316
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 30, 2023 · Amount on Record
Deed Sale	Mar 30, 2023 · Amount on Record
Prior Sale	Apr 2, 2007 · Amount on Record
Deed Book / Page	2023 / 11452
Prior Transfer Date	Mar 29, 2023
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON AL
Property Address	643 STONE DR, GURLEY, AL 35748-8316
Transaction Type	Mortgage
Record Updated	Oct 2, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	643 STONE DR, GURLEY, AL 35748-8316

Mortgage

Document Number	0000176868
Date	Sep 23, 2025
Book Page	2025/176868

Lender

Name	REGIONS BANK
Type	Bank
Address	2050 PARKWAY OFFICE CIR, HOOVER, AL 35244

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Oct 10, 2055

Interest

Change Frequency	Monthly

Tax Assessment & Valuation

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	$3,057.00 (+1.19%)
2025	$3,021.00 (+114.26%)	$85,240 (+106.99%) Land $30,000 Building $55,240	$426,200 (+3.52%) Land $150,000 Building $276,200
2023	$1,410.00 (+26.46%) Homeowner's exemption	$41,180 (+26.09%) Land $15,000 Building $26,180	$411,700 (+26.09%) Land $150,000 Building $261,700
2022	$1,115.00 Homeowner's exemption	$32,660 Land $9,380 Building $23,280	$326,500 Land $93,800 Building $232,700

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

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 Record median of 10 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	1 (2019)
Most Recent Claim	Feb 2019 · Severe Storms, Straight-line Winds, Tornadoes, And 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 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 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
NHTC Fiber	8,000 / 8,000