723 Charest Rd, Somerville, AL 35670 Property Records

Morgan County property record for 723 Charest Rd, Somerville, AL 35670

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 3,321 sqft · built 1986
Lot Size	5 acres (217,800 sqft)
Owner	Individual Name on File
Last Sale	$320,000 (May 2019)
Tax Bill	$1,398 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Feb 2020 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`10-02-09-0-000-029.000`

Property Details

APN / Parcel Number

Primary APN	`10-02-09-0-000-029.000`
Alternative APNs	`21385` `7185`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,321 sqft Living Area
1st Floor Area	1,230 sqft
Upper Floors Area	1,230 sqft
Basement Area	861 sqft
Unfinished Basement	861 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	217,800 sqft (5 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	7185
Street Address	723 CHAREST RD
City	SOMERVILLE
State	AL
Zip	35670-3314
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEG AT SE COR OF SW1/4 OF SW1/4 OF SEC 9, T6S, R2W, TH W 250', TH N 871.2', TH E 250', TH SO 871.2' TO POB
Legal Range	2W
Legal Township	6S
Legal Section	09
Jurisdiction	MORGAN AL
Township / Civil Division	SOMERVILLE
Census Block Group	2
Census Block	2006
Census Tract	5405

Owner

Source: Morgan County records · APN 10-02-09-0-000-029.000

Assessment roll updated June 19, 2026 · Last verified July 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 File
Mailing Address	723 CHAREST RD, SOMERVILLE, AL 35670-3314
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 15, 2020	Deed of Trust, Mortgage FREEDOM MORTGAGE CORP
Feb 10, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Apr 23, 2007	Deed of Trust, Mortgage · Conventional Mortgage FIRST AMERICAN BANK
Aug 25, 2009	Deed of Trust, Mortgage · Line of Credit RBC BANK USA
Jan 23, 2012	Deed of Trust, Mortgage · Line of Credit RBC BANK USA
May 02, 2019	Warranty Deed, Transfer · VA Mortgage WILLOW BEND MORTGAGE CO

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 02, 2019 · Amount on Record
Deed Sale	May 02, 2019 · Amount on Record
Deed Book / Page	2019 / 3690
Record Updated	Sep 20, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN AL
Property Address	723 CHAREST RD, SOMERVILLE, AL 35670-3314
Transaction Type	Mortgage
Record Updated	Jun 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	2020/46592
Date	Oct 15, 2020
Book Page	2020/46592

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Amount	Amount Recorded
Term	344 Months
Due	Jun 01, 2049

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN AL
Property Address	723 CHAREST RD, SOMERVILLE, AL 35670-3314
Transaction Type	Mortgage
Record Updated	Jun 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	02020/4542
Date	Feb 10, 2020
Book Page	2020/4542

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	351 Months
Due	May 01, 2049

April 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN AL
Property Address	723 CHAREST RD, SOMERVILLE, AL 35670-3314
Transaction Type	Mortgage
Record Updated	Jun 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2007/21141
Date	Apr 23, 2007
Book Page	2007/21141

Lender

Name	FIRST AMERICAN BANK
Type	Bank
Address	DECATUR, AL 35601

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2037

August 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN AL
Property Address	723 CHAREST RD, SOMERVILLE, AL 35670-3314
Transaction Type	Mortgage
Record Updated	Jun 19, 2026
Title Company	FISERV LENDING SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2009/34732
Date	Aug 25, 2009
Book Page	2009/34732

Lender

Name	RBC BANK USA
Type	Bank
Address	ROCKY MOUNT, NC 27802

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Aug 10, 2029

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN AL
Property Address	723 CHAREST RD, SOMERVILLE, AL 35670-3314
Transaction Type	Mortgage
Record Updated	Jun 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2012/01820
Date	Jan 23, 2012
Book Page	2012/01820

Lender

Name	RBC BANK USA
Type	Bank
Address	ROCKY MOUNT, NC 27802

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jan 10, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MORGAN AL
Recording Date	May 02, 2019
Property Address	723 CHAREST RD, SOMERVILLE, AL 35670-3314
Document Number	2019/03690
Book / Page	2019 / 03690
Instrument Date	Apr 29, 2019
Transaction Type	Transfer
Record Updated	Jun 19, 2026

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	52 CENTER CT, DECATUR, AL 35603-5484

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Venture
Address	723 CHAREST RD, SOMERVILLE, AL 35670-3314
Investor	Possibly a Property Investor

Mortgage

Document Number	2019/13259
Date	May 02, 2019
Book Page	2019/13259

Lender

Name	WILLOW BEND MORTGAGE CO
Type	Mortgage Company
Address	PLANO, TX 75093

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2049

Tax Assessment & Valuation

Source: Morgan County records · Assessment roll updated June 19, 2026 · Last verified July 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,398.00	$39,510 (-) Land $5,000 Building $34,510	$395,100 (-) Land $50,000 Building $345,100
2024		$39,510 (-) Land $5,000 Building $34,510	$395,100 (-) Land $50,000 Building $345,100
2023	$1,398.00 (+12.29%) Homeowner's exemption	$39,510 (+11.77%) Land $5,000 Building $34,510	$395,100 (+11.77%) Land $50,000 Building $345,100
2022	$1,245.00 Homeowner's exemption	$35,350 Land $4,540 Building $30,810	$353,500 Land $45,400 Building $308,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of July 4, 2022 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 91% of Alabama
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
FlashFiber Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 35

Based on FCC filings for 18 locations within half a mile of this property.

Cell Coverage

5G and 4G LTE (outdoors only)

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