654 Ruth St, Mobile, AL 36606 Property Records

Mobile County property record for 654 Ruth St, Mobile, AL 36606

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,285 sqft · built 1987
Owner	Company Name on Record
Last Sale	$46,000 (Jan 2025)
Tax Bill	$666 (2025)
Deeds & Mortgages	Jan 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R022910283002076`

Property Details

APN / Parcel Number

Primary APN	`R022910283002076`
Alternative APNs	`29 10 28 3 002 076.XXX` `00929099` `929099`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,285 sqft Living Area
1st Floor Area	1,285 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Exterior Material	Aluminum/Vinyl
Foundation Type	Pier/Post & Beam
Roof Type	Gable/Hip
Roof Material	Asphalt
Garage Type	Mixed
Garage Area	168 sqft
Carport	Carport
Carport Area	182 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	278 sqft

Location & Zoning

Account Number	929099
Old Parcel Number	R022910283002076
Street Address	654 RUTH ST
City	MOBILE
State	AL
Zip	36606-1251
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 22 BLK 1 FULTON HOMES D BK 156 P 426 #SEC 28 T4S R1W #MP29 10 28 3 002
Legal Range	01W
Legal Township	04S
Legal Section	28
Legal Subdivision	FULTON HOME
Legal Block	1
Legal Lot Number	22
Jurisdiction	MOBILE AL
Township / Civil Division	MOBILE
Census Block Group	1
Census Block	1028
Census Tract	2400

Owner

Source: Mobile County records, as of December 22, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	10223 ESTIA ST, DAPHNE, AL 36526-9583
Owner Type	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 17, 2025 · Amount on Record
Deed Sale	Jan 17, 2025 · Amount on Record
Prior Sale	Feb 17, 2009 · Amount on Record
Deed Document Number	2025003980
Deed Book / Page	6494 / 41
Record Updated	Jun 8, 2026

January 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MOBILE AL
Recording Date	Jan 17, 2025
Property Address	654 RUTH ST, MOBILE, AL 36606-1251
Document Number	0000003980
Map Reference	MB 156 PG 426
Instrument Date	Jan 17, 2025
Instrument	2025003980
Transaction Type	Transfer
Record Updated	Dec 23, 2025
Title Company	DELTA SOUTH TITLE INC

Transaction

Amount	Amount Recorded
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	565 KICKERBY ST, MOBILE, AL 34698

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10223 ESTIA ST, DAPHNE, AL 36526-9583
Investor	Possibly a Property Investor

Mortgage

Document Number	0000003981
Date	Jan 17, 2025
Instrument	2025003981

Lender

Name	MOBILE CAPITAL COMPANY LLC
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	36 Months
Due	Jan 17, 2028

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$666.00	$10,340 (-) Land $1,600 Building $8,740	$51,700 (-) Land $8,000 Building $43,700
2024	$666.00 (-0.45%)	$10,340 (-0.39%) Land $1,600 Building $8,740	$51,700 (-0.39%) Land $8,000 Building $43,700
2023	$669.00	$10,380 Land $1,600 Building $8,780	$51,900 Land $8,000 Building $43,900

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 October 1, 2025 · 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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	4 (1979–1985)
Most Recent Claim	Sep 1985 · Hurricane Elena

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 64% of the US · lower than 80% of Alabama
Wildfire Likelihood	0.06% 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 MOBILE, BD. OF W&S COMM. OF THE serves 279,000 people · EPA ID AL0001005
Water Source	Surface water
Last State Inspection	Sep 2023
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jul 2023
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 612 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20