Franklin County property record for 709 Carter St, Red Bay, AL 35582
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,050 sqft · built 1993 |
| Lot Size | 0.422 acres (18,375 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $190,000 (Mar 2023) |
| Tax Bill | $719 (2026) |
| Deeds & Mortgages | Mar 2023 Mortgage Mar 2023 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-05-21-0-000-017.005 0 |
| Primary APN | 07-05-21-0-000-017.005 0 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Plumbing Fixtures | 3 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 1,050 sqft Living Area |
| 1st Floor Area | 1,050 sqft |
| Upper Floors Area | 1,050 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1993 |
| Exterior Material | Vinyl |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 18,375 sqft (0.422 acres) |
| Lot Dimensions | 175 ft deep x 105 ft wide |
| Garage Area | 576 sqft |
| Porch | Open Porch |
| Porch Area | 300 sqft |
| Heating System | Gravity Furnace |
|---|
| Account Number | 0000922630 |
|---|---|
| Street Address | 709 CARTER ST |
| City | RED BAY |
| State | AL |
| Zip | 35582-3646 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT OF NW1/4 OF NW1/4 OF SEC 21 T7S R15W LOT 5 HESTER SUBD |
| Legal Range | 15W |
| Legal Township | 07S |
| Legal Section | 21 |
| Legal Subdivision | HESTER SUBD |
| Legal Lot Number | 5 |
| Jurisdiction | FRANKLIN AL |
| Township / Civil Division | RED BAY |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 973400 |
709 Carter St is owned and occupied by two individuals who bought it in March 2023.
Source: Franklin County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 709 CARTER ST, RED BAY, AL 35582-3646 |
| 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.
| Date | Document |
|---|---|
| Mar 3, 2023 | Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Mar 3, 2023 | Intrafamily Transfer, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Mar 27, 2017 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 3, 2023 · Amount on File |
| Deed Sale | Mar 3, 2023 · Amount on File |
| Prior Sale | Apr 24, 2014 · Amount on File |
| Deed Book / Page | 407 / 447 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN AL |
| Property Address | 709 CARTER ST, RED BAY, AL 35582-3646 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2023 |
| Name | Verified Name |
|---|
| Document Number | 000869/781 |
|---|---|
| Date | Mar 3, 2023 |
| Book Page | 869/781 |
| Instrument | 23-869781 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2053 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | FRANKLIN AL |
| Recording Date | Mar 3, 2023 |
| Property Address | 709 CARTER ST, RED BAY, AL 35582-3646 |
| Document Number | 000407/447 |
| Book / Page | 407 / 447 |
| Instrument Date | Feb 28, 2023 |
| Instrument | 23-407447 |
| Transaction Type | Transfer |
| Record Updated | Mar 22, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5309 HIGHWAY 11, RED BAY, AL 35582-4545 |
| Name | Verified Name |
|---|---|
| Address | 709 CARTER ST, RED BAY, AL 35582-3646 |
| Document Number | 0023869781 |
|---|---|
| Date | Mar 3, 2023 |
| Instrument | 23/869781 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN AL |
| Property Address | 709 CARTER ST, RED BAY, AL 35582-3646 |
| Transaction Type | Mortgage |
| Record Updated | Jul 15, 2022 |
| Name | Verified Name |
|---|
| Document Number | 000796/228 |
|---|---|
| Date | Mar 27, 2017 |
| Book Page | 796/228 |
| Instrument | 17-796228 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Apr 1, 2032 |
| Rate Type | Fixed Rate |
|---|
The 2026 property tax bill for 709 Carter St was $719 with a homeowner's exemption, up 7.5% from the year before.
Source: Franklin County assessment roll, as of November 18, 2025
| Type | Name |
|---|---|
| State | Alabama |
| County | Franklin County |
| Municipality | Red Bay City |
| Unified School District | Franklin County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $719.00 (+7.47%) | ||
| 2025 | $669.00 Homeowner's exemption | $16,900 Land $580 Building $16,320 | $168,900 Land $5,800 Building $163,100 |
| 2023 | $600.00 (+10.29%) Additional exemption filed | $15,300 (+9.29%) | $153,300 (+9.74%) Land $5,200 Building $148,100 |
| 2022 | $544.00 Additional exemption filed | $14,000 Land $500 Building $13,500 | $139,700 Land $4,700 Building $135,000 |
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.
FEMA maps place 709 Carter St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective September 29, 2010
| 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 risk around 709 Carter St 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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | RED BAY, THE WATER WORKS & GAS BD serves 6,048 people · EPA ID AL0000607 |
|---|---|
| Water Source | Groundwater influenced by surface water |
| Last State Inspection | Feb 2026 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 127 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Freedom Fiber Fiber | 1,000 / 1,000 |
| Buckeye Cablesystem Cable | 1,000 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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