79 Rd 973, Flat Rock, AL 35966 Property Records

DeKalb County property record for 79 Rd 973, Flat Rock, AL 35966

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,420 sqft · built 2001
Lot Size	0.74 acres (32,234 sqft)
Owner	2 Individual Names on Record
Last Sale	$157,000 (Jul 2014)
Tax Bill	$774 (2026)
Deeds & Mortgages	Sep 2025 Line of Credit Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-02-09-0-000-024.000`

Property Details

APN / Parcel Number

Primary APN	`03-02-09-0-000-024.000`
Alternative APNs	`131567` `1040`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,420 sqft Living Area
1st Floor Area	1,420 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Brick
Foundation Type	Pier/Post & Beam
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	32,234 sqft (0.74 acres)
Lot Dimensions	337 ft deep x 236 ft wide
Garage Area	400 sqft
Porch	Slab
Porch Area	576 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	131567
Street Address	79 ROAD 973
City	FLAT ROCK
State	AL
Zip	35966-8535
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S9 T3 R10 CONT 0.74 AC (C)VALLEY VIEW ACRES 1ST EXTBLK A LOT 4 LESS THE NORTH 371/2'
Legal Range	10E
Legal Township	03S
Legal Section	09
Legal Subdivision	VALLEY VIEW ACRES
Legal Block	A
Legal Lot Number	4
Jurisdiction	DEKALB AL
Township / Civil Division	IDER
Census Block Group	1
Census Block	1001
Census Tract	960101

Owner

Source: DeKalb County records, as of October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	79 ROAD 973, FLAT ROCK, AL 35966-8535
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2025	Deed of Trust, Mortgage · Line of Credit FAMILY SAVINGS CU
Feb 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 22, 2014 · Amount on Record
Deed Sale	Jul 22, 2014 · Amount on Record
Prior Sale	Feb 14, 2014 · Amount on Record
Deed Document Number	20143065720
Deed Book / Page	813 / 153
Prior Transfer Date	Apr 16, 2008
Prior Transfer Doc	693/54
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DEKALB AL
Property Address	79 ROAD 973, FLAT ROCK, AL 35966-8535
Transaction Type	Mortgage
Record Updated	Nov 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	5005/17038
Date	Sep 29, 2025
Book Page	5005/17038

Lender

Name	FAMILY SAVINGS CU
Type	Credit Union
Address	HIRAM, GA 30141

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Sep 8, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DEKALB AL
Property Address	79 ROAD 973, FLAT ROCK, AL 35966-8535
Transaction Type	Mortgage
Record Updated	Nov 24, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	5001/1869
Date	Feb 2, 2021
Book Page	5001/1869

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Jan 1, 2036

Tax Assessment & Valuation

Source: DeKalb County assessment roll, as of May 8, 2026

Property Jurisdictions

Type	Name
State	Alabama
County	DeKalb County
Unified School District	DeKalb County School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$774.00 (+7.35%) Homeowner's exemption
2025	$721.00 (+7.61%) Homeowner's exemption	$21,860 (+6.95%) Land $1,000 Building $20,860	$240,920 (+17.97%) Land $10,920 Building $230,000
2023	$670.00 (+0.9%) Homeowner's exemption	$20,440 (+0.89%)	$204,220 (+0.82%) Land $10,920 Building $193,300
2022	$664.00 Homeowner's exemption	$20,260 Land $660 Building $19,600	$202,560 Land $6,560 Building $196,000

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 29, 2011

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Moderate above 60% of the US · above 78% of Alabama
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 36 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Farmers Telecommunications Cooperative Fiber	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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