Morgan County property record for 828 Cotaco Florette Rd, Somerville, AL 35670
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,100 sqft · built 1987 |
| Lot Size | 1.3 acres (56,628 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $160,000 (Feb 2026) |
| Tax Bill | $323 (2025) |
| Deeds & Mortgages | Sep 2009 Mortgage Jan 2010 Mortgage + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 17-01-12-0-000-021.000 |
| Primary APN | 17-01-12-0-000-021.000 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,100 sqft Living Area |
| 1st Floor Area | 1,100 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 56,628 sqft (1.3 acres) |
| Porch | Open Porch |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 165939 |
|---|---|
| Street Address | 828 COTACO FLORETTE RD |
| City | SOMERVILLE |
| State | AL |
| Zip | 35670-5414 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COM AT NE COR OF E1/2 OF SW1/4 SEC 1, T7S, R2W, TH SO 3364.96' TH SW'LY 801.58', TH N 420.16' TO TPOB, TH CONT N'LY 180', TH |
| Legal Range | 2W |
| Legal Township | 7S |
| Legal Section | 12 |
| Jurisdiction | MORGAN AL |
| Township / Civil Division | LACEYS SPRING |
| Census Block Group | 1 |
| Census Block | 1027 |
| Census Tract | 5701 |
Source: Morgan County assessment roll, as of June 19, 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 File |
|---|---|
| Mailing Address | 828 COTACO FLORETTE RD, SOMERVILLE, AL 35670-5414 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Sep 25, 2009 | Deed of Trust, Mortgage · FHA Mortgage FIRST MORTGAGE GROUP INC |
| Jan 27, 2010 | Deed of Trust, Mortgage · FHA Mortgage FIRST MORTGAGE GROUP INC |
| Feb 20, 2026 | Warranty Deed, Transfer · VA Mortgage KIND LENDING LLC |
| Dec 8, 2005 | Special Warranty Deed, Transfer · Conventional Mortgage ALBANY HOME LOANS INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 20, 2026 · Amount on Record |
| Deed Sale | Feb 20, 2026 · Amount on Record |
| Prior Sale | Jan 8, 2016 · Amount on Record |
| Deed Book / Page | 2026 / 1625 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MORGAN AL |
| Property Address | 828 COTACO FLORETTE RD, SOMERVILLE, AL 35670-5414 |
| Transaction Type | Mortgage |
| Record Updated | Mar 13, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 2009/37966 |
|---|---|
| Date | Sep 25, 2009 |
| Book Page | 2009/37966 |
| Name | FIRST MORTGAGE GROUP INC |
|---|---|
| Address | DECATUR, AL 35601 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2039 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MORGAN AL |
| Property Address | 828 COTACO FLORETTE RD, SOMERVILLE, AL 35670-5414 |
| Transaction Type | Mortgage |
| Record Updated | Mar 13, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 2010/02802 |
|---|---|
| Date | Jan 27, 2010 |
| Book Page | 2010/02802 |
| Name | FIRST MORTGAGE GROUP INC |
|---|---|
| Address | DECATUR, AL 35601 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2040 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MORGAN AL |
| Recording Date | Feb 20, 2026 |
| Property Address | 828 COTACO FLORETTE RD, SOMERVILLE, AL 35670-5414 |
| Document Number | 02026/1625 |
| Book / Page | 2026 / 1625 |
| Instrument Date | Feb 19, 2026 |
| Transaction Type | Transfer |
| Record Updated | Mar 13, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 828 COTACO FLORETTE RD, SOMERVILLE, AL 35670-5414 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 828 COTACO FLORETTE RD, SOMERVILLE, AL 35670-5414 |
| Document Number | 0020266974 |
|---|---|
| Date | Feb 20, 2026 |
| Instrument | 2026/6974 |
| Name | KIND LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | MORGAN AL |
| Recording Date | Dec 8, 2005 |
| Property Address | 828 COTACO FLORETTE RD, SOMERVILLE, AL 35670-5414 |
| Document Number | 2005/09600 |
| Book / Page | 2005 / 09600 |
| Instrument Date | Nov 15, 2005 |
| Transaction Type | Transfer |
| Record Updated | May 17, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 2005/68249 |
|---|---|
| Date | Dec 8, 2005 |
| Book Page | 2005/68249 |
| Name | ALBANY HOME LOANS INC |
|---|---|
| Address | DECATUR, AL 35601 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2035 |
Source: Morgan County assessment roll, as of June 19, 2026
| Type | Name |
|---|---|
| State | Alabama |
| County | Morgan County |
| Unified School District | Morgan County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $323.00 | $10,060 (-) Land $1,790 Building $8,270 | $100,600 (-) Land $17,900 Building $82,700 |
| 2024 | $10,060 (-) Land $1,790 Building $8,270 | $100,600 (-) Land $17,900 Building $82,700 | |
| 2023 | $323.00 (+14.13%) Homeowner's exemption | $10,060 (+11.65%) Land $1,790 Building $8,270 | $100,600 (+11.65%) Land $17,900 Building $82,700 |
| 2022 | $283.00 Homeowner's exemption | $9,010 Land $1,630 Building $7,380 | $90,100 Land $16,300 Building $73,800 |
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.
Source: FEMA National Flood Hazard Layer, effective July 4, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 13 policies |
| Nearby Flood Policies | 13 in force |
| Nearby Flood Claims | 5 (2015–2021) |
| Claims Outside the SFHA | 1 of 5 |
| Most Recent Claim | Mar 2021 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 91% of Alabama |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
Source: FCC Broadband Data Collection, based on 22 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| FlashFiber Fiber | 1,000 / 1,000 |
| Spectrum Cable | 1,000 / 35 |
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