786 Nance Rd, Madison, AL 35757 Property Records

Madison County property record for 786 Nance Rd, Madison, AL 35757

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,756 sqft · built 1940
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on Record
Last Sale	$175,500 (Jun 2026)
Tax Bill	$285 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Jun 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`15-05-16-0-001-038.000`

Property Details

APN / Parcel Number

Primary APN	`15-05-16-0-001-038.000`
Alternative APNs	`039973` `178418`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,756 sqft Living Area
1st Floor Area	1,756 sqft
Flooring	Softwood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	13,068 sqft (0.3 acres)
Garage Area	350 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	178418
Street Address	786 NANCE RD
City	MADISON
State	AL
Zip	35757-7811
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEC16 T3 R2W COMM TH PT OF S1/2 OF N1/2 OF NE1/4 OF SE 1/4 OF SEC 16 BEG AT SE COR OF SD 10A TR TH W TO W MAR OF NANCE RD TH
Legal Range	02W
Legal Township	03S
Legal Section	16
Jurisdiction	MADISON AL
Township / Civil Division	HUNTSVILLE
Census Block Group	2
Census Block	2031
Census Tract	10623

Owner

Source: Madison County records, as of July 6, 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 Record
Mailing Address	786 NANCE RD, MADISON, AL 35757-7811
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Jun 22, 2026	Warranty Deed, Transfer · Conventional Mortgage LUMINATE HOME LOANS INC
Feb 27, 2026	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 22, 2026 · Amount on Record
Deed Sale	Jun 22, 2026 · Amount on Record
Prior Sale	Feb 27, 2026 · Amount on Record
Deed Document Number	2026
Deed Book / Page	2026 / 28126
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON AL
Property Address	786 NANCE RD, MADISON, AL 35757-7811
Transaction Type	Mortgage
Record Updated	Jun 30, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000087378
Date	Oct 20, 2021
Instrument	2021-00087378

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON AL
Recording Date	Jun 22, 2026
Property Address	786 NANCE RD, MADISON, AL 35757-7811
Document Number	0000028126
Book / Page	2026 / 28126
Instrument Date	Jun 18, 2026
Transaction Type	Transfer
Record Updated	Jul 6, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$17,725.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	786 NANCE RD, MADISON, AL 35757-7811

Mortgage

Document Number	2026133400,
Date	Jun 22, 2026
Book Page	2026/133400

Lender

Name	LUMINATE HOME LOANS INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON AL
Recording Date	Feb 27, 2026
Property Address	786 NANCE RD, MADISON, AL 35757-7811
Document Number	0000007803
Book / Page	DEED2026 / 7803
Instrument Date	Feb 26, 2026
Transaction Type	Transfer
Record Updated	Mar 10, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	780 NANCE RD, MADISON, AL 35757-7811

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1770 POPLAR HILL RD, PROSPECT, TN 38477-6015
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Madison County assessment roll, as of November 17, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$285.00 (+7.14%) Homeowner's exemption	$10,380 (+6.57%) Land $1,380 Building $9,000	$103,700 (+6.47%) Land $13,800 Building $89,900
2023	$266.00 (+19.28%) Homeowner's exemption	$9,740 (+17.63%) Land $1,380 Building $8,360	$97,400 (+17.78%) Land $13,800 Building $83,600
2022	$223.00 Homeowner's exemption	$8,280 Land $880 Building $7,400	$82,700 Land $8,800 Building $73,900

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · 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
Flood Insurance Cost	Premium on Record median of 16 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	1 (2023)
Most Recent Claim	Jul 2023 · river or lake flooding

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 Risk	Low lower than 95% of the US · lower than 98.7% of Alabama
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 149 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
WOW Internet, Cable & Phone Cable	1,200 / 50
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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