765 Charles St, Mobile, AL 36604 Property Records

Mobile County property record for 765 Charles St, Mobile, AL 36604

Property Summary

Property Type	Single Family Home
Details	2 ba · 842 sqft · built 2023
Owner	Individual Name on File
Last Sale	$159,900 (Sep 2023)
Tax Bill	$386 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Sep 2023 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R022910370004053`

Property Details

APN / Parcel Number

Primary APN	`R022910370004053`
Alternative APNs	`29 10 37 0 004 053.XXX` `00938524` `938524`

Interior

Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	842 sqft Living Area
1st Floor Area	1,330 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2023
Exterior Material	Stucco
Foundation Type	Pier/Post & Beam
Roof Type	Gable/Hip
Roof Material	Asphalt
Porch	Open Porch
Porch Area	264 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	938524
Old Parcel Number	R022910370004053
Street Address	765 CHARLES ST
City	MOBILE
State	AL
Zip	36604-2855
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 11 BLK 6 WILSONS 2ND ADD DBK 80/190 #SEC 37 T4S R1W #MP29 10 37 0 004
Legal Range	01W
Legal Township	04S
Legal Section	37
Legal Subdivision	WILSONS 2ND ADD
Legal Block	6
Legal Lot Number	11
Jurisdiction	MOBILE AL
Township / Civil Division	MOBILE
Census Block Group	1
Census Block	1002
Census Tract	1302

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Oakdale Historic District listed 2014 · 845 contributing resources · NRIS 14001005

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

765 Charles St is owned and occupied by an individual who bought it in September 2023.

Source: Mobile County records, as of December 22, 2025

Owner of Record	Individual Name on File
Mailing Address	765 CHARLES ST, MOBILE, AL 36604-2855
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 25, 2023	Warranty Deed, Transfer · VA Mortgage NAVY FCU
Sep 6, 2023	Intrafamily Transfer, Transfer
Jun 16, 2023	Deed of Trust, Mortgage · Line of Credit WHITNEY BANK
Mar 15, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 25, 2023 · Amount on File
Deed Sale	Sep 25, 2023 · Amount on File
Prior Sale	Sep 6, 2023
Deed Document Number	2023057793
Record Updated	Jun 8, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MOBILE AL
Recording Date	Sep 25, 2023
Property Address	765 CHARLES ST, MOBILE, AL 36604-2855
Document Number	0000057793
Map Reference	MB 80 PG 190
Instrument Date	Sep 18, 2023
Instrument	2023057793
Transaction Type	Transfer
Record Updated	Oct 12, 2023

Transaction

Amount	Amount on Record
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	PO BOX 40037, MOBILE, AL 36640-0037

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	765 CHARLES ST, MOBILE, AL 36604-2855

Mortgage

Document Number	0000057794
Date	Sep 25, 2023
Instrument	2023057794

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

September 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MOBILE AL
Recording Date	Sep 6, 2023
Property Address	765 CHARLES ST, MOBILE, AL 36604-2855
Document Number	0000053972
Map Reference	MB 22 PG 366
Instrument Date	Aug 16, 2023
Instrument	2023053972
Transaction Type	Transfer
Record Updated	Sep 21, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	509 HILLSIDE DR, CHICKASAW, AL 36611-1249

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	509 HILLSIDE DR, CHICKASAW, AL 36611-1249

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MOBILE AL
Property Address	765 CHARLES ST, MOBILE, AL 36604-2855
Transaction Type	Mortgage
Record Updated	Jun 30, 2023
Title Company	SECURITY LAND TITLE INC, SURETY LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 40037, MOBILE, AL 36640-0037

Mortgage

Document Number	0000036749
Date	Jun 16, 2023
Instrument	2023036749

Lender

Name	WHITNEY BANK
Type	Bank
Address	MOBILE, AL 36602

Agreement

Type	Line of Credit
Amount	Amount on Record

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MOBILE AL
Recording Date	Mar 15, 2019
Property Address	765 CHARLES ST, MOBILE, AL 36604-2855
Document Number	0000013013
Instrument Date	Feb 25, 2019
Instrument	13013
Transaction Type	Transfer
Record Updated	Apr 1, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$4.50
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 40037 MOBILE AL 366400037, MOBILE, AL 36640-0037

Tax Assessment & Valuation

The 2025 property tax bill for 765 Charles St was $386 with a homeowner's exemption, up 2.1% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$386.00 (+2.12%) Homeowner's exemption	$6,980 (+1.9%) Land $800 Building $6,180	$69,800 (+1.9%) Land $8,000 Building $61,800
2024	$378.00 (+397.37%) Homeowner's exemption	$6,850 (+470.83%) Land $600 Building $6,250	$68,500 (+1,041.67%) Land $6,000 Building $62,500
2023	$76.00	$1,200 Land $1,200	$6,000 Land $6,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 765 Charles St 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 October 1, 2025 · 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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	3 (1980–2005)
Claims Outside the SFHA	3 of 3
Most Recent Claim	May 2005 · other causes

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 765 Charles St is low, with less than 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 99.8% of the US · lower than 99.9% of Alabama
Wildfire Likelihood	Under 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 MOBILE, BD. OF W&S COMM. OF THE serves 279,000 people · EPA ID AL0001005
Water Source	Surface water
Last State Inspection	Sep 2023
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jul 2023
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 479 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

Nearby Properties on Charles St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures