663 Low Gap Rd, Gurley, AL 35748 Property Records

Madison County property record for 663 Low Gap Rd, Gurley, AL 35748

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,841 sqft · built 1987
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$199,000 (Sep 2019)
Tax Bill	$506 (2026)
Deeds & Mortgages	May 2026 Line of Credit Sep 2019 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`22-02-10-0-000-043.000`

Property Details

APN / Parcel Number

Primary APN	`22-02-10-0-000-043.000`
Alternative APNs	`098488` `497718`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,841 sqft Living Area
1st Floor Area	1,841 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Brick
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	43,560 sqft (1 acres)
Utility Building	900 sqft

Location & Zoning

Account Number	497718
Street Address	663 LOW GAP RD
City	GURLEY
State	AL
Zip	35748-9425
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEC 10 T5S R2E COMM AT THE SW COR OF SEC 10 TH N 1 DEG E 535.15 FT N 1 DEG E 462.65 FT S 88 DEG E 31.44 FT N 83 DEG E 209.77
Legal Range	02E
Legal Township	05S
Legal Section	10
Jurisdiction	MADISON AL
Township / Civil Division	NEW HOPE
Census Block Group	1
Census Block	1052
Census Tract	11301

Owner

663 Low Gap Rd is owned and occupied by two individuals who bought it in September 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	663 LOW GAP RD, GURLEY, AL 35748-9425
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
May 21, 2026	Deed of Trust, Mortgage · Line of Credit REDSTONE FEDERAL CREDIT UNION
Sep 23, 2019	Grant Deed, Transfer · Conventional with PMI SOUTHERN FIDELITY MTG GROUP/HU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 23, 2019 · Amount on File
Deed Sale	Sep 23, 2019 · Amount on File
Prior Sale	Oct 4, 2013 · Amount on File
Deed Document Number	201961847
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON AL
Recording Date	May 21, 2026
Property Address	663 LOW GAP RD, GURLEY, AL 35748-9425
Document Number	2026108499
Book / Page	2026 / 108499
Instrument Date	May 15, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	663 LOW GAP RD, GURLEY, AL 35748-9425

Mortgage

Document Number	2026108499,
Date	May 21, 2026
Book Page	2026/108499

Lender

Name	REDSTONE FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 21, 2056

Interest

Rate	6.3%
Max Rate	-1%

September 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MADISON AL
Recording Date	Sep 23, 2019
Property Address	663 LOW GAP RD, GURLEY, AL 35748-9425
Document Number	0000061847
Instrument Date	Sep 19, 2019
Instrument	61847
Transaction Type	Transfer
Record Updated	Oct 23, 2019
Title Company	ADM TITLE SERVICES LLC-631, ADM TITLE SVCS LLC-631

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$199.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	663 LOW GAP RD GURLEY AL 357489425, GURLEY, AL 35748-9425

Mortgage

Document Number	61848
Date	Sep 23, 2019
Instrument	61848

Lender

Name	SOUTHERN FIDELITY MTG GROUP/HU
Address	HUNTSVILLE, AL 35801

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Sep 22, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 663 Low Gap Rd was $506 with a homeowner's exemption, up 1.8% from the year before.

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	$506.00 (+1.81%)
2025	$497.00 Homeowner's exemption	$15,160 Land $2,500 Building $12,660	$151,400 Land $25,000 Building $126,400
2023	$483.00 (+19.26%) Homeowner's exemption	$14,760 (+17.89%) Land $2,500 Building $12,260	$147,600 (+17.99%) Land $25,000 Building $122,600
2022	$405.00 Homeowner's exemption	$12,520 Land $1,300 Building $11,220	$125,100 Land $13,000 Building $112,100

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 663 Low Gap Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 17 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	17 in force

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

Wildfire risk around 663 Low Gap Rd is low, with a 0.02% annual chance of 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 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
NHTC Fiber	8,000 / 8,000
Xfinity Cable	1,200 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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