686 McClain Rd, Bessemer, AL 35023 Property Records

Jefferson County property record for 686 McClain Rd, Bessemer, AL 35023

Property Summary

Property Type	Single Family Home
Details	1 bd · 980 sqft · built 1975
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on File
Last Sale	$218,500 (May 2023)
Tax Bill	$1,025 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`31-00-09-0-000-017.004`

Property Details

APN / Parcel Number

Primary APN	`31-00-09-0-000-017.004`
Alternative APN	`443080`

Interior

Bedrooms	1 Bed
Total Rooms	3 Rooms
Stories	1 Story
Building Area	980 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Single

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1981
Exterior Material	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	43,560 sqft (1 acres)
Garage Type	Carport
Garage Area	1,960 sqft
Carport	Carport
Porch	Porch
Porch Area	1,700 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	443080
Street Address	686 MCCLAIN RD
City	BESSEMER
State	AL
Zip	35023-5534
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1
Legal Description	COM SE COR OF NW 1/4 SEC 9 T18 S R5W TH W 1149 FT TO POB TH CONT W 400 FT TH N 65.3 FT TH E 210.8 FT TH NE 133.8 FT TH E 178
Legal Range	05W
Legal Township	18S
Legal Section	09
Jurisdiction	JEFFERSON AL
Township / Civil Division	CONCORD-ROCK CREEK
Census Block Group	1
Census Block	1003
Census Tract	14001

Owner

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

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

Owner of Record	Individual Name on File
Mailing Address	686 MCCLAIN RD, BESSEMER, AL 35023-5534
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 1, 2023	Warranty Deed, Transfer · Conventional Mortgage ACOPIA
Jul 30, 2020	Deed of Trust, Mortgage · FHA Mortgage CALIBER HOME LOANS

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 1, 2023 · Amount on Record
Deed Sale	May 1, 2023 · Amount on Record
Deed Document Number	2023041317
Record Updated	Jun 8, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON AL
Recording Date	May 1, 2023
Property Address	686 MCCLAIN RD, BESSEMER, AL 35023-5534
Document Number	0000041317
Instrument Date	Apr 28, 2023
Instrument	2023041317
Transaction Type	Transfer
Record Updated	May 26, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	686 MCCLAIN RD, BESSEMER, AL 35023-5534

Mortgage

Document Number	0000041319
Date	May 1, 2023
Instrument	2023041319

Lender

Name	ACOPIA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	116 Months
Due	Jan 1, 2033

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON AL
Property Address	686 MCCLAIN RD, BESSEMER, AL 35023-5534
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	690 MCCLAIN RD, BESSEMER, AL 35023-5534

Mortgage

Document Number	0000081253
Date	Jul 30, 2020
Instrument	2020081253

Lender

Name	CALIBER HOME LOANS

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	354 Months
Due	Jan 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Alabama
County	Jefferson County
Unified School District	Jefferson County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,025.00 (-63%) Homeowner's exemption	$21,520 (+13.5%)	$215,200 (+13.5%) Land $38,900 Building $176,300
2023		$18,960 Land $3,890 Building $15,070	$189,600 Land $38,900 Building $150,700
2022	$2,770.00

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 March 13, 2025

FEMA Flood Zone	Zone X minimal risk
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 51% of the US · above 61% of Alabama
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation at the parcel

Drinking Water

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

Water System	BESSEMER WATER SERVICE serves 86,091 people · EPA ID AL0000737
Water Source	Purchased surface water from several systems
Last State Inspection	May 2024
Lead	1 ppb (2025–2027) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 56 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
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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