681 Forest Lakes Dr, Sterrett, AL 35147 Property Records

Shelby County property record for 681 Forest Lakes Dr, Sterrett, AL 35147

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,244 sqft · built 2005
Lot Size	0.189 acres (8,233 sqft)
Owner	Individual Name on Record
Last Sale	$209,000 (May 2021)
Tax Bill	$1,041 (2025)
Deeds & Mortgages	Sep 2018 Line of Credit May 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`095210000001499`

Property Details

APN / Parcel Number

Primary APN	`095210000001499`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,244 sqft Heated Area
1st Floor Area	1,244 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	8,233 sqft (0.189 acres)
Lot Dimensions	120 ft deep x 71.1 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	681 FOREST LAKES DR
City	STERRETT
State	AL
Zip	35147-8138
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEC/TWNSHP/RAN 21 19S 01W NBRHD: 17 FOREST LAKES R-2
Legal Range	01W
Legal Township	19S
Legal Section	21
Legal Subdivision	FOREST LAKES SEC 5
Legal Lot Number	527
Jurisdiction	SHELBY AL
Township / Civil Division	CHELSEA
Census Block Group	2
Census Block	2013
Census Tract	30215

Owner

Source: Shelby County records, as of April 21, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	821 HUNTINGTON TRCE, CHELSEA, AL 35043-1110
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 26, 2018	Deed of Trust, Mortgage · Line of Credit CB&S BANK INC
May 10, 2021	Warranty Deed, Transfer · VA Mortgage CB&S BANK INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 10, 2021 · Amount on Record
Deed Sale	May 10, 2021 · Amount on Record
Prior Sale	Jun 1, 2011 · Amount on Record
Deed Document Number	2021230140
Record Updated	Jun 8, 2026

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY AL
Property Address	681 FOREST LAKES DR, STERRETT, AL 35147-8138
Transaction Type	Mortgage
Record Updated	Sep 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000343670
Date	Sep 26, 2018
Instrument	20180926000343670

Lender

Name	CB&S BANK INC
Type	Bank
Address	RUSSELLVILLE, AL 35653

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Sep 1, 2028

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHELBY AL
Recording Date	May 10, 2021
Property Address	681 FOREST LAKES DR, STERRETT, AL 35147-8138
Document Number	0000230140
Map Reference	MB 34 PG 122 A-C
Instrument Date	May 6, 2021
Instrument	20210510000230140
Transaction Type	Transfer
Record Updated	Jun 29, 2023

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	681 FOREST LAKES DR, STERRETT, AL 35147-8138

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	681 FOREST LAKES DR, STERRETT, AL 35147-8138

Mortgage

Document Number	0000230150
Date	May 10, 2021
Instrument	20210510000230150

Lender

Name	CB&S BANK INC
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

Tax Assessment & Valuation

Source: Shelby County assessment roll, as of April 21, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,041.00 (+8.66%)	$23,660 (+4.14%)	$236,500 (+4.14%) Land $85,000 Building $151,500
2023	$958.00 (+14.32%)	$22,720 (+13.71%)	$227,100 (+13.66%) Land $68,000 Building $159,100
2022	$838.00	$19,980	$199,800 Land $60,000 Building $139,800

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 January 23, 2026

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

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

Wildfire Risk	Moderate above 44% of the US · above 48% of Alabama
Wildfire Likelihood	0.08% annual chance
Exposure	Indirect within ember reach

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 279 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000

May also be available: T-Mobile, Verizon.

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