766 Charles St, Mobile, AL 36604 Property Records

Mobile County property record for 766 Charles St, Mobile, AL 36604

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,377 sqft · built 1982
Lot Size	0.158 acres (6,904 sqft)
Owner	Individual Name on File
Last Sale	$120,000 (Jul 2023)
Tax Bill	$537 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R022910370004061`

Property Details

APN / Parcel Number

Primary APN	`R022910370004061`
Alternative APNs	`29 10 37 0 004 061.XXX` `00938604` `938604`

Interior

Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,377 sqft Living Area
1st Floor Area	1,377 sqft
Flooring	Laminate Plank
Interior Walls	Plaster

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	6,904 sqft (0.158 acres)
Lot Dimensions	140 ft deep x 50 ft wide
Garage Type	Mixed
Garage Area	240 sqft
Parking Spaces	3 Parking Spaces
Porch	Patio
Porch Area	221 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	938604
Street Address	766 CHARLES ST
City	MOBILE
State	AL
Zip	36604-2802
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 9 BLK 7 WILSONS 2ND ADD DBK 80 P 190 #SEC 37 T4S R1W #MP29 10 37 0 004
Legal Range	04S
Legal Township	04S
Legal Section	37
Legal Subdivision	WILSONS 2ND ADD
Legal Block	7
Legal Lot Number	9
Jurisdiction	MOBILE AL
Township / Civil Division	MOBILE
Census Block Group	1
Census Block	1003
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

766 Charles St is owned and occupied by an individual who bought it in July 2023.

Source: Mobile County records, as of August 17, 2026

Owner of Record	Individual Name on File
Mailing Address	766 CHARLES ST, MOBILE, AL 36604-2802
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 20, 2023 · Amount on File
Deed Sale	Jul 20, 2023 · Amount on File
Prior Sale	Jul 28, 2015 · Amount on File
Deed Document Number	202343222
Prior Transfer Date	Aug 23, 2016
Prior Transfer Doc	0000051467
Record Updated	Sep 20, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MOBILE AL
Recording Date	Jul 20, 2023
Property Address	766 CHARLES ST, MOBILE, AL 36604-2802
Document Number	0000043222
Map Reference	MB 80 PG 190
Instrument Date	Jul 19, 2023
Instrument	2023043222
Transaction Type	Transfer
Record Updated	Aug 4, 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	1050 GLENBROOK WAY STE 480, 480, HENDERSONVILLE, TN 37075-1249

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	766 CHARLES ST, MOBILE, AL 36604-2802

Mortgage

Document Number	0000043223
Date	Jul 20, 2023
Instrument	2023043223

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

Mortgage

Document Number	0000043224
Date	Jul 20, 2023
Instrument	2023043224

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	Aug 1, 2033

Tax Assessment & Valuation

The 2025 property tax bill for 766 Charles St was $537 with a homeowner's exemption, down 0.2% from the year before.

Source: Mobile County assessment roll, as of December 23, 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	$537.00 (-0.19%) Homeowner's exemption	$9,350 (-0.11%) Land $800 Building $8,550	$93,500 (-0.11%) Land $8,000 Building $85,500
2024	$538.00 (-34.39%) Homeowner's exemption	$9,360 (-26.65%) Land $600 Building $8,760	$93,600 (+46.71%) Land $6,000 Building $87,600
2023	$820.00 (+19.88%)	$12,760 (+20.15%) Land $1,200 Building $11,560	$63,800 (+20.15%) Land $6,000 Building $57,800
2022	$684.00	$10,620 Land $980 Building $9,640	$53,100 Land $4,900 Building $48,200

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 766 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 766 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.

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