694 Ridgecliff Dr, Florence, AL 35634 Property Records

Lauderdale County property record for 694 Ridgecliff Dr, Florence, AL 35634

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,529 sqft · built 2007
Lot Size	0.58 acres (25,265 sqft)
Owner	2 Individual Names on File
Last Sale	$556,700 (Apr 2016)
Tax Bill	$3,386 (2025)
Deeds & Mortgages	Feb 2023 Line of Credit Oct 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`16-07-35-0-003-026-000`

Property Details

APN / Parcel Number

Primary APN	`16-07-35-0-003-026-000`
Alternative APNs	`086302` `56065` `86302`

Interior

Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,529 sqft Living Area
1st Floor Area	2,529 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	25,265 sqft (0.58 acres)
Lot Dimensions	100 ft deep x 120 ft wide
View / Lot	Waterfront
Patio Area	1,020 sqft
Bath House	1,020 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	86302
Street Address	694 RIDGECLIFF DR
City	FLORENCE
State	AL
Zip	35634-2323
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	120S WF X 201.8 IRR PT LOT 60 PIERREFONT EST SUB .58 AC/C PB 3 PG 78 SEC 33 T2S R10W BEG @ NE COR OF LOT 60 TH SE 116.1 SW 19
Legal Range	10W
Legal Township	02S
Legal Section	35
Legal Subdivision	PIERREFONT EST SUB
Legal Lot Number	60
Jurisdiction	LAUDERDALE AL
Township / Civil Division	FLORENCE
Census Block Group	1
Census Block	1009
Census Tract	11503

Owner

694 Ridgecliff Dr is owned and occupied by two individuals who bought it in April 2016.

Source: Lauderdale County records, as of November 25, 2025

Owner of Record	2 Individual Names on File
Mailing Address	694 RIDGECLIFF DR, FLORENCE, AL 35634-2323
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

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
Feb 9, 2023	Deed of Trust, Mortgage · Line of Credit FIRST SOUTHERN BANK
Oct 25, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRST SOUTHERN BANK
Dec 6, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRST SOUTHERN BANK
Nov 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST SOUTHERN BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 15, 2016 · Amount on File
Deed Sale	Apr 15, 2016 · Amount on File
Prior Sale	Aug 3, 2015 · Amount on File
Deed Book / Page	2016 / 15521
Prior Transfer Date	Apr 11, 2016
Prior Transfer Doc	2016/15524
Record Updated	Jun 8, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAUDERDALE AL
Property Address	694 RIDGECLIFF DR, FLORENCE, AL 35634-2323
Transaction Type	Mortgage
Record Updated	Mar 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	02023/5140
Date	Feb 9, 2023
Book Page	2023/5140

Lender

Name	FIRST SOUTHERN BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAUDERDALE AL
Property Address	694 RIDGECLIFF DR, FLORENCE, AL 35634-2323
Transaction Type	Mortgage
Record Updated	Jul 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019/46388
Date	Oct 25, 2019
Book Page	2019/46388

Lender

Name	FIRST SOUTHERN BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2049

Interest

Rate Type	Fixed Rate

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAUDERDALE AL
Property Address	694 RIDGECLIFF DR, FLORENCE, AL 35634-2323
Transaction Type	Mortgage
Record Updated	Jul 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019/52909
Date	Dec 6, 2019
Book Page	2019/52909

Lender

Name	FIRST SOUTHERN BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAUDERDALE AL
Property Address	694 RIDGECLIFF DR, FLORENCE, AL 35634-2323
Transaction Type	Mortgage
Record Updated	Jul 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021/74043
Date	Nov 24, 2021
Book Page	2021/74043

Lender

Name	FIRST SOUTHERN BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2051

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 694 Ridgecliff Dr was $3,386 with a homeowner's exemption, up 6.8% from the year before.

Source: Lauderdale County assessment roll, as of November 24, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,386.00 (+6.85%) Homeowner's exemption	$96,960 (+6.81%)	$969,400 (+6.8%) Land $439,200 Building $530,200
2024	$3,169.00 Homeowner's exemption	$90,780 (+130.87%) Land $39,320 Building $51,460	$907,720 (-) Land $393,100 Building $514,620
2023	$3,169.00 (+18.91%) Homeowner's exemption	$39,320 (-48.51%) Land $39,320	$907,720 (+18.89%) Land $393,100 Building $514,620
2022	$2,665.00 Homeowner's exemption	$76,360	$763,500 Land $349,000 Building $414,500

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 694 Ridgecliff Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective August 1, 2018 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (2019)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2019

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 694 Ridgecliff Dr is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 95% of the US · lower than 98.7% of Alabama
Wildfire Likelihood	0.01% 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 FLORENCE WATER DEPARTMENT serves 77,766 people · EPA ID AL0000783
Water Source	Surface water
Last State Inspection	May 2023
Lead	3 ppb (2023–2025) 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 65 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35

May also be available: Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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