Morgan County property record for 778 Black Rd, Somerville, AL 35670
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,888 sqft · built 2013 |
| Lot Size | 20 acres (871,200 sqft) |
| Owner | Individual Name on File |
| Last Sale | $55,000 (Mar 2013) |
| Tax Bill | $1,509 (2025) |
| Deeds & Mortgages | Nov 2020 Mortgage May 2013 Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-01-02-0-000-001.000 |
| Primary APN | 16-01-02-0-000-001.000 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,888 sqft Living Area |
| 1st Floor Area | 2,888 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2013 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 871,200 sqft (20 acres) |
| Garage Area | 655 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 154056 |
|---|---|
| Street Address | 778 BLACK RD |
| City | SOMERVILLE |
| State | AL |
| Zip | 35670-4747 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BEG AT NE COR OF N1/2 OF NE1/4, SEC 2, T7S, R3W, TH W 21.59', TO W LINE OF BLACK ROAD TPOB. TH SO ALG R/W 723.76', TH NW'LY 1 |
| Legal Range | 3W |
| Legal Township | 7S |
| Legal Section | 02 |
| Jurisdiction | MORGAN AL |
| Township / Civil Division | SOMERVILLE |
| Census Block Group | 3 |
| Census Block | 3033 |
| Census Tract | 5405 |
778 Black Rd is owned and occupied by an individual who bought it in March 2013.
Source: Morgan County records, as of July 2, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 778 BLACK RD, SOMERVILLE, AL 35670-4747 |
| 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 |
|---|---|
| Nov 5, 2020 | Deed of Trust, Mortgage · Conventional Mortgage PROGRESS BANK & TRUST |
| May 1, 2013 | Deed of Trust, Mortgage · Construction Mortgage BANK INDEPENDENT |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 20, 2013 · Amount on File |
| Deed Sale | Mar 20, 2013 · Amount on File |
| Deed Book / Page | 2013 / 2139 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MORGAN AL |
| Property Address | 778 BLACK RD, SOMERVILLE, AL 35670-4747 |
| Transaction Type | Mortgage |
| Record Updated | Jun 19, 2026 |
| Name | Verified Name |
|---|
| Document Number | 2020/50223 |
|---|---|
| Date | Nov 5, 2020 |
| Book Page | 2020/50223 |
| Name | PROGRESS BANK & TRUST |
|---|---|
| Type | Bank |
| Address | HUNTSVILLE, AL 35801 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Nov 1, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MORGAN AL |
| Property Address | 778 BLACK RD, SOMERVILLE, AL 35670-4747 |
| Transaction Type | Mortgage |
| Record Updated | Jun 19, 2026 |
| Name | Verified Name |
|---|
| Document Number | 2013/17081 |
|---|---|
| Date | May 1, 2013 |
| Book Page | 2013/17081 |
| Name | BANK INDEPENDENT |
|---|---|
| Type | Non-Lending Institution |
| Address | SHEFFIELD, AL 35660 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Apr 17, 2043 |
The 2025 property tax bill for 778 Black Rd was $1,509 with a homeowner's exemption.
Source: Morgan County assessment roll, as of June 19, 2026
| Type | Name |
|---|---|
| State | Alabama |
| County | Morgan County |
| Unified School District | Morgan County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,509.00 | $41,770 (-0.78%) Land $12,140 Building $29,630 | $417,700 (-0.78%) Land $121,400 Building $296,300 |
| 2024 | $42,100 (+4.08%) Land $12,140 Building $29,960 | $421,000 (+4.08%) Land $121,400 Building $299,600 | |
| 2023 | $1,521.00 (+11.67%) Homeowner's exemption | $40,450 (+6.9%) Land $11,230 Building $29,220 | $404,500 (+6.9%) Land $112,300 Building $292,200 |
| 2022 | $1,362.00 Homeowner's exemption | $37,840 Land $10,200 Building $27,640 | $378,400 Land $102,000 Building $276,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 778 Black Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2009.
Source: FEMA National Flood Hazard Layer, effective July 4, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 1 (2009) |
| Most Recent Claim | Dec 2009 · tidal / storm surge |
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 risk around 778 Black Rd is low, with a 0.04% 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 | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 21 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| FlashFiber Fiber | 1,000 / 1,000 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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