655 Ruth St, Mobile, AL 36606 Property Records

Mobile County property record for 655 Ruth St, Mobile, AL 36606

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,723 sqft · built 1988
Lot Size	0.516 acres (22,497 sqft)
Owner	2 Individual Names on Record
Last Sale	$123,690 (Mar 2008)
Tax Bill	$449 (2025)
Deeds & Mortgages	Feb 2017 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`R022910283002071`

Property Details

APN / Parcel Number

Primary APN	`R022910283002071`
Alternative APNs	`29 10 28 3 002 071.XXX` `00929053` `929053`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,723 sqft Living Area
1st Floor Area	1,723 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Brick
Foundation Type	Pier/Post & Beam
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	22,497 sqft (0.516 acres)
Lot Dimensions	29 ft deep x 15 ft wide
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	198 sqft
Deck Area	144 sqft
Patio Area	144 sqft
Utility Building	128 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	929053
Street Address	655 RUTH ST
City	MOBILE
State	AL
Zip	36606-1209
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 2-4 BLK 4 FULTON HOMES DBK 156 P 426 #SEC 28 T4S R1W #MP29 10 28 3 002
Legal Range	04S
Legal Township	04S
Legal Section	28
Legal Subdivision	FULTON HOME
Legal Block	4
Legal Lot Number	2-4
Jurisdiction	MOBILE AL
Township / Civil Division	MOBILE
Census Block Group	1
Census Block	1027
Census Tract	2400

Owner

Source: Mobile County records, as of September 15, 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	655 RUTH ST, MOBILE, AL 36606-1209
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 26, 2008 · Amount on Record
Deed Sale	Mar 26, 2008 · Amount on Record
Prior Sale	Jun 5, 1998
Deed Document Number	200821045
Deed Book / Page	6354 / 272
Prior Transfer Date	Mar 20, 2008
Prior Transfer Doc	0000021045
Record Updated	Oct 29, 2026

February 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MOBILE AL
Property Address	655 RUTH ST, MOBILE, AL 36606-1209
Document Number	0000015405
Instrument Date	Feb 6, 2017
Transaction Type	Mortgage
Record Updated	Feb 28, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	655 RUTH ST MOBILE AL 366061209, MOBILE, AL 36606-1209

Mortgage

Document Number	0000015405
Date	Mar 20, 2017
Book Page	007488/001335
Instrument	15405

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43219-6009

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Mar 19, 2037

Tax Assessment & Valuation

Source: Mobile County assessment roll, as of September 15, 2026

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	$449.00 Homeowner's exemption	$7,970 (-) Land $800 Building $7,170	$79,700 (-) Land $8,000 Building $71,700
2024	$449.00 (+10.86%) Homeowner's exemption	$7,970 (+9.63%) Land $800 Building $7,170	$79,700 (+9.63%) Land $8,000 Building $71,700
2023	$405.00 Homeowner's exemption	$7,270 Land $800 Building $6,470	$72,700 Land $8,000 Building $64,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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