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776 Bowles Bridge Rd, Hartselle, AL 35640 Property Records

Morgan County property record for 776 Bowles Bridge Rd, Hartselle, AL 35640

Property Summary

Property TypeSingle Family Home
Details1 ba · 1,968 sqft · built 1949
Lot Size0.8 acres (34,848 sqft)
Owner2 Individual Names on Record
Tax Bill$285 (2025)
Deeds & MortgagesDec 2025 Construction Loan
Flood ZoneZone X (minimal risk)
APN12-09-30-0-000-026.001

Property Details

APN / Parcel Number

Primary APN12-09-30-0-000-026.001
Alternative APNs
  • 157566
  • 55599

Interior

Full Baths1 Bath
Stories1 Story
Building Area1,968 sqft Living Area
1st Floor Area1,968 sqft
FlooringVinyl/Resilient
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1949
Effective Year BuiltEffective 1949
Exterior MaterialAluminum/Vinyl
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area34,848 sqft (0.8 acres)

Location & Zoning

Account Number157566
Street Address776 BOWLES BRIDGE RD
CityHARTSELLE
StateAL
Zip35640-7704
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionCOM AT SE COR OF SE1/4 OF SEC 3 0, T6S, R4W TH N 1321.5', TH W 1140.41' TO TPOB TH SO 24.2', TH CONT SO 70.1', TH CONT SO 1 6
Legal Range4W
Legal Township6S
Legal Section30
JurisdictionMORGAN AL
Township / Civil DivisionDANVILLE
Census Block Group2
Census Block2004
Census Tract5202

Owner

Source: Morgan County records, as of July 2, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on Record
Mailing Address776 BOWLES BRIDGE RD, HARTSELLE, AL 35640-7704
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last Transfer DateJul 30, 2025
Transfer Doc02025/7775
Record UpdatedSep 20, 2026

December 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMORGAN AL
Property Address776 BOWLES BRIDGE RD, HARTSELLE, AL 35640-7704
Transaction TypeMortgage
Record UpdatedJan 9, 2026

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number2025/50013
DateDec 4, 2025
Book Page2025/50013
Lender
NameCARDINAL FINANCIAL COMPANY LP
TypeMortgage Company
AddressCHARLOTTE, NC 28277
Agreement
TypeConstruction Mortgage
AmountAmount Recorded
Term246 Months
DueJun 1, 2046
Interest
Rate6.25%

Tax Assessment & Valuation

Source: Morgan County assessment roll, as of June 19, 2026

Property Jurisdictions

TypeName
StateAlabama
CountyMorgan County
Unified School DistrictMorgan County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$285.00 (+3.64%) Homeowner's exemption$8,790 (-) Land $1,260 Building $7,530$90,600 (+3.07%) Land $13,900 Building $76,700
2024$8,790 (-) Land $1,260 Building $7,530$87,900 (-) Land $12,600 Building $75,300
2023$275.00 Homeowner's exemption$8,790 (-) Land $1,260 Building $7,530$87,900 (-) Land $12,600 Building $75,300
2022$275.00 Homeowner's exemption$8,790 Land $1,260 Building $7,530$87,900 Land $12,600 Building $75,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective July 4, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 10 policies
Nearby Flood Policies10 in force

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

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

Wildfire RiskLow
lower than 67% of the US · lower than 85% of Alabama
Wildfire Likelihood0.04% annual chance
ExposureDirect
burnable vegetation

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 SystemNE MORGAN CO., WATER & SEWER AUTHORITY
serves 26,352 people · EPA ID AL0001088
Water SourcePurchased surface water from DECATUR, MUNICIPAL UB OF
Last State InspectionJul 2023
Lead1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 26 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber		5,000 / 5,000
FlashFiber
Fiber		1,000 / 1,000
Spectrum
Cable		1,000 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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