810 3rd Ave, Ragland, AL 35131 Property Records

St. Clair County property record for 810 3rd Ave, Ragland, AL 35131

Property Summary

Property Type	Single Family Home
Details	952 sqft · built 1976
Lot Size	0.08 acres (3,485 sqft)
Owner	Individual Name on Record
Last Sale	$106,000 (Mar 2023)
Tax Bill	$262 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Sep 2023 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`19-03-07-0-008-027.000`

Property Details

APN / Parcel Number

Primary APN	`19-03-07-0-008-027.000`
Alternative APNs	`402473` `16237`

Interior

Stories	1 Story
Building Area	952 sqft Heated Area
1st Floor Area	952 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 2012
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	3,485 sqft (0.08 acres)

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	810 3RD AVE
City	RAGLAND
State	AL
Zip	35131-3102
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N2 LOT 3 BLK 51 TOWN OF RAGLAND 7-15-5
Legal Range	05E
Legal Township	15S
Legal Section	07
Legal Subdivision	S H CUMMINGS
Legal Block	51
Legal Lot Number	3
Jurisdiction	ST CLAIR AL
Township / Civil Division	RAGLAND
Census Block Group	2
Census Block	2033
Census Tract	40302

Owner

Source: St. Clair County records, as of April 17, 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	810 3RD AVE, RAGLAND, AL 35131-3102
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 5, 2026	Deed of Trust, Mortgage · Conventional Mortgage FORT MCCLELLAN CU
Sep 15, 2023	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Mar 14, 2023	Warranty Deed, Transfer ASHVILLE LAND AND TITLE INC, ASHVILLE LAND & TITLE INC
Mar 9, 2023	Warranty Deed, Transfer ASHVILLE LAND AND TITLE INC, ASHVILLE LAND & TITLE INC
Jun 25, 2020	Deed of Trust, Mortgage · Line of Credit METRO BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 14, 2023 · Amount on Record
Deed Sale	Mar 14, 2023 · Amount on Record
Prior Sale	Mar 9, 2023 · Amount on Record
Deed Book / Page	2023 / 2983
Record Updated	Jun 8, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR AL
Property Address	810 3RD AVE, RAGLAND, AL 35131-3102
Transaction Type	Mortgage
Record Updated	Feb 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	810 3RD AVE, RAGLAND, AL 35131-3102

Mortgage

Document Number	0000000012
Date	Jan 5, 2026
Book Page	MTG2026/12

Lender

Name	FORT MCCLELLAN CU
Type	Credit Union
Address	1010 GOLDEN SPRINGS RD, ANNISTON, AL 36207

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Dec 29, 2040

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR AL
Property Address	810 3RD AVE, RAGLAND, AL 35131-3102
Transaction Type	Mortgage
Record Updated	Oct 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	810 3RD AVE, RAGLAND, AL 35131-3102

Mortgage

Document Number	0000033372
Date	Sep 15, 2023
Book Page	MTG 2023/33372

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 19, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR AL
Recording Date	Mar 14, 2023
Property Address	810 3RD AVE, RAGLAND, AL 35131-3102
Document Number	0000002983
Book / Page	DEED 2023 / 2983
Map Reference	DOC N9904800
Instrument Date	Mar 13, 2023
Transaction Type	Transfer
Record Updated	Apr 7, 2023
Title Company	ASHVILLE LAND AND TITLE INC, ASHVILLE LAND & TITLE INC

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	19 HILL DR, RAGLAND, AL 35131-3234

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	810 3RD AVE, RAGLAND, AL 35131-3102

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR AL
Recording Date	Mar 9, 2023
Property Address	810 3RD AVE, RAGLAND, AL 35131-3102
Document Number	0000002725
Book / Page	DEED 2023 / 2725
Map Reference	DOC N9904800
Instrument Date	Mar 7, 2023
Transaction Type	Transfer
Record Updated	Apr 7, 2023
Title Company	ASHVILLE LAND AND TITLE INC, ASHVILLE LAND & TITLE INC

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	431 BUNT DR, RAGLAND, AL 35131-3142

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19 HILL DR, RAGLAND, AL 35131-3234

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR AL
Property Address	810 3RD AVE, RAGLAND, AL 35131-3102
Document Number	0000033010
Instrument Date	Jun 25, 2020
Transaction Type	Mortgage
Record Updated	Sep 1, 2020
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 BUNT DR RAGLAND AL 351313142, RAGLAND, AL 35131-3142

Mortgage

Document Number	0000033010
Date	Jul 10, 2020
Instrument	33010

Lender

Name	METRO BK
Type	Bank
Address	PELL CITY, AL 35128

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: St. Clair County assessment roll, as of April 17, 2026

Property Jurisdictions

Type	Name
State	Alabama
County	St. Clair County
Municipality	Ragland Town
Unified School District	St. Clair County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$262.00 (+231.65%)	$8,340 (-43.94%)	$83,440 (+12.18%)
2023		$14,876 Land $240 Building $14,636	$74,380 Land $1,200 Building $73,180
2022	$79.00

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 August 22, 2024 · 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	1 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 46% of the US · above 51% of Alabama
Wildfire Likelihood	0.1% 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	TOWN OF RAGLAND, THE WWB OF THE serves 3,243 people · EPA ID AL0001208
Water Source	Groundwater
Last State Inspection	May 2023
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 116 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Ragland Telephone Fiber	100 / 20

May also be available: Verizon.

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