809 Co Rd 3948, Arley, AL 35541 Property Records

Winston County property record for 809 Co Rd 3948, Arley, AL 35541

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,520 sqft · built 1945
Lot Size	1.6 acres (69,696 sqft)
Owner	2 Individual Names on Record
Tax Bill	$298 (2026)
Deeds & Mortgages	Mar 2024 Mortgage Dec 2024 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20474`

Property Details

APN / Parcel Number

Primary APN	`20474`
Alternative APN	`67 12 07 35 0 200 039.001`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,520 sqft Living Area
1st Floor Area	1,520 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1951
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	69,696 sqft (1.6 acres)
Garage Area	784 sqft
Porch	Slab
Porch Area	360 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	20474
Street Address	809 COUNTY ROAD 3948
City	ARLEY
State	AL
Zip	35541-3218
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1.6 AC IN SE SE S35 T11 R7 238-175
Legal Range	07W
Legal Township	11S
Legal Section	35
Jurisdiction	WINSTON AL
Township / Civil Division	ADDISON
Census Block Group	3
Census Block	3001
Census Tract	965502

Owner

Source: Winston 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	809 COUNTY ROAD 3948, ARLEY, AL 35541-3218
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Mar 15, 2024	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Dec 18, 2024	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Oct 23, 2024	Warranty Deed, Transfer · Conventional Mortgage ALABAMA FARM CREDIT PCA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Aug 28, 2015
Transfer Doc	000313/159
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINSTON AL
Property Address	809 COUNTY ROAD 3948, ARLEY, AL 35541-3218
Transaction Type	Mortgage
Record Updated	Jan 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02024/1429
Date	Mar 15, 2024
Book Page	2024/1429

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 17, 2054

December 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINSTON AL
Property Address	809 COUNTY ROAD 3948, ARLEY, AL 35541-3218
Transaction Type	Mortgage
Record Updated	Jan 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02024/8982
Date	Dec 18, 2024
Book Page	2024/8982

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	252 Months
Due	Jan 1, 2045

October 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINSTON AL
Recording Date	Oct 23, 2024
Property Address	809 COUNTY ROAD 3948, ARLEY, AL 35541-3218
Document Number	02024/5843
Book / Page	2024 / 5843
Instrument Date	Oct 18, 2024
Transaction Type	Transfer
Record Updated	Jan 19, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	263 COUNTY ROAD 3949, ARLEY, AL 35541-2637

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	809 COUNTY ROAD 3948, ARLEY, AL 35541-3218

Mortgage

Document Number	0020247413
Date	Oct 23, 2024
Instrument	2024/7413

Lender

Name	ALABAMA FARM CREDIT PCA
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Winston County assessment roll, as of January 15, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$298.00 (+5.3%)
2025	$283.00 Additional exemption filed	$11,580 (-)	$115,700 (-) Land $9,600 Building $106,100
2024	$283.00 (+2.91%) Additional exemption filed	$11,580 (+2.3%)	$115,700 (+2.28%) Land $9,600 Building $106,100
2023	$275.00 (+11.34%) Additional exemption filed	$11,320 (+9.69%)	$113,120 (+9.53%) Land $9,100 Building $104,020
2022	$247.00 Additional exemption filed	$10,320	$103,280 Land $9,400 Building $93,880

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, 2011 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 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 Risk	Moderate above 55% of the US · above 68% of Alabama
Wildfire Likelihood	0.2% 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 48 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sprout Fiber Internet Fiber	2,000 / 2,000
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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