805 E LADNER DR SARALAND AL 365713007, SARALAND, AL 36571-3007
Mortgage
Document Number
0000028198
Date
May 22, 2017
Book Page
007511/001235
Instrument
28198
Lender
Name
HUD-HOUSING/URBAN DEV
Address
451 7TH ST SW, WASHINGTON, DC 20410-0001
Agreement
Type
Conventional Mortgage
Amount
Amount on Record
Term
360 Months
Due
May 21, 2047
April 2017: Loan Modification, Mortgage
Document Type
Loan Modification
Jurisdiction
MOBILE AL
Property Address
805 E LADNER DR, SARALAND, AL 36571-3007
Document Number
0000029427
Instrument Date
Apr 28, 2017
Transaction Type
Mortgage
Record Updated
Feb 28, 2019
Transferred To (Grantee/Buyer)
Name
Verified Name
Address
805 E LADNER DR SARALAND AL 365713007, SARALAND, AL 36571-3007
Mortgage
Document Number
0000029427
Date
May 25, 2017
Book Page
007513/001236
Instrument
29427
Lender
Name
PENNYMAC
Address
MOORPARK, CA 93021
Agreement
Type
Conventional Mortgage
Amount
Amount on Record
Term
360 Months
Due
May 24, 2047
Interest
Rate
4.5%
Tax Assessment & Valuation
The 2025 property tax bill for 805 E Ladner Dr was $587 with a homeowner's exemption, up 5.8% from the year before.
Source: Mobile County assessment roll, as of September 15, 2026
Property Jurisdictions
Type
Name
State
Alabama
County
Mobile County
Municipality
Saraland City
Unified School District
Saraland City School District (KG - 12)
Tax Bill & Assessment History
Year
Tax Bill
Assessed Value
Assessed Market Value
2025
$587.00 (+5.77%)Homeowner's exemption
$10,990 (+5.07%)Land $2,400Building $8,590
$109,900 (+5.07%)Land $24,000Building $85,900
2024
$555.00 (+0.18%)Homeowner's exemption
$10,460 (+0.19%)Land $2,400Building $8,060
$104,600 (+0.19%)Land $24,000Building $80,600
2023
$554.00Homeowner's exemption
$10,440Land $2,520Building $7,920
$104,400Land $25,200Building $79,200
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
FEMA maps place 805 E Ladner Dr in Zone X, an area of minimal flood risk, though there have been 106 flood claims nearby since 1979.
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
Flood Insurance Requirement
Not required lenders may require it
Flood Insurance Cost
Premium on File median of 62 policies
Nearby Flood Policies
62 in force
Nearby Flood Claims
106 (1979–2024)
Claims Outside the SFHA
23 of 106
Most Recent Claim
Jul 2024 · rainfall accumulation
Claims by Event
Hurricane Gustav, Sep 2008 · 2 claims
Hurricane Katrina, Aug 2005 · 8 claims
Severe Storms, Tornadoes & Flooding, Mar 1990 · 7 claims
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 805 E Ladner Dr is moderate, ranking above 43% of the US, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
Wildfire Risk
Moderate above 43% of the US · above 46% of Alabama
Wildfire Likelihood
0.06% annual chance
Exposure
Direct 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 System
SARALAND, BD OF W&S COMMISSIONERS serves 13,827 people · EPA ID AL0001021
Water Source
Groundwater
Last State Inspection
Jul 2024
Lead
8 ppb (2023–2025) action level 15 ppb
Violations Reported to EPA
Water Quality
None last 10 years
Treatment and Procedure
None last 10 years
Monitoring and Reporting
29 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 172 locations within half a mile, as of December 31, 2025