646 S Main St, Arab, AL 35016 Property Records

Marshall County property record for 646 S Main St, Arab, AL 35016

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,062 sqft · built 1944
Lot Size	1.12 acres (49,164 sqft)
Owner	Individual Name on File
Last Sale	$99,900 (Oct 2021)
Tax Bill	$955 (2026)
Deeds & Mortgages	Oct 2021 Sale Sep 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-07-26-4-000-060.000`

Property Details

APN / Parcel Number

Primary APN	`13-07-26-4-000-060.000`
Alternative APNs	`137264000060000` `16650`

Interior

Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,062 sqft Living Area
1st Floor Area	1,062 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1944
Effective Year Built	Effective 1944
Exterior Material	Vinyl
Foundation Type	Retaining Wall
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	49,164 sqft (1.12 acres)
Lot Dimensions	482 ft deep x 102 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	16650
Street Address	646 S MAIN ST
City	ARAB
State	AL
Zip	35016-1514
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	102' X 484.3' BEG NW COR LOT 5 JOHN B MCWHORTER ESTATE IN SEC 26 T8S R1E PB 1 PG 232 816/493
Legal Range	1E
Legal Township	8S
Legal Section	26
Legal Subdivision	JOHN B MCWHORTER ESTATE
Legal Lot Number	5
Jurisdiction	MARSHALL AL
Township / Civil Division	ARAB
Census Block Group	4
Census Block	4013
Census Tract	30502

Owner

646 S Main St is owned and occupied by an individual who bought it in October 2021.

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

Owner of Record	Individual Name on File
Mailing Address	646 S MAIN ST, ARAB, AL 35016-1514
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 4, 2021	Warranty Deed, Transfer
Sep 26, 2019	Deed of Trust, Mortgage CITIZENS BK
Sep 26, 2019	Deed of Trust, Mortgage · Line of Credit CITIZENS BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 4, 2021 · Amount on File
Deed Sale	Oct 4, 2021 · Amount on File
Deed Document Number	20213234705
Deed Book / Page	6658 / 137
Record Updated	Oct 29, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARSHALL AL
Recording Date	Oct 4, 2021
Property Address	646 S MAIN ST, ARAB, AL 35016-1514
Document Number	0003234705
Book / Page	6658 / 137
Map Reference	MB 1 PG 232
Instrument Date	Oct 4, 2021
Instrument	3234705
Transaction Type	Transfer
Record Updated	Mar 4, 2024

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	89 LEGACY CIR, ARAB, AL 35016-0018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	2516 PINE VIEW DR NW, ARAB, AL 35016-4574

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARSHALL AL
Property Address	646 S MAIN ST, ARAB, AL 35016-1514
Document Number	0003196454
Instrument Date	Sep 26, 2019
Transaction Type	Mortgage
Record Updated	Oct 24, 2019
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	89 LEGACY CIR ARAB AL 350160018, ARAB, AL 35016-0018

Mortgage

Document Number	0003196454
Date	Oct 2, 2019
Book Page	006231/000208
Instrument	3196454

Lender

Name	CITIZENS BK
Type	Bank
Address	ARAB, AL 35016

Agreement

Amount	Amount on Record

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARSHALL AL
Property Address	646 S MAIN ST, ARAB, AL 35016-1514
Document Number	0003196455
Instrument Date	Sep 26, 2019
Transaction Type	Mortgage
Record Updated	Oct 24, 2019
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	89 LEGACY CIR ARAB AL 350160018, ARAB, AL 35016-0018

Mortgage

Document Number	0003196455
Date	Oct 2, 2019
Book Page	006231/000216
Instrument	3196455

Lender

Name	CITIZENS BK
Type	Bank
Address	GUNTERSVILLE, AL 35976

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 646 S Main St was $955, up 6.8% from the year before.

Source: Marshall County assessment roll, as of June 23, 2026

Property Jurisdictions

Type	Name
State	Alabama
Municipality	Arab City
County	Marshall County
Unified School District	Arab City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$955.00 (+6.82%)
2025	$894.00	$22,080	$112,500 Land $13,300 Building $99,200
2023	$801.00	$19,780 Land $2,760 Building $17,020	$98,900 Land $13,800 Building $85,100
2021	$507.00	$12,520	$62,600 Land $13,300 Building $49,300

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 646 S Main St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective March 21, 2019

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 646 S Main St is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · lower than 85% of Alabama
Wildfire Likelihood	0.03% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF ARAB, WATER WORKS BOARD OF THE serves 39,795 people · EPA ID AL0000934
Water Source	Surface water
Last State Inspection	Jan 2024
Lead	Under 1 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	None 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 142 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
GoNetspeed Fiber	1,000 / 1,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: Verizon.

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