845 Refuge Rd, Ragland, AL 35131 Property Records

St. Clair County property record for 845 Refuge Rd, Ragland, AL 35131

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,456 sqft · built 1997
Lot Size	2.7 acres (117,612 sqft)
Owner	2 Individual Names on Record
Tax Bill	$265 (2025)
Deeds & Mortgages	May 2020 Mortgage Nov 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18-08-33-0-000-013.007`

Property Details

APN / Parcel Number

Primary APN	`18-08-33-0-000-013.007`
Alternative APNs	`00509021` `509021` `15523`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,456 sqft Living Area
1st Floor Area	1,456 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	117,612 sqft (2.7 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	00509021
Street Address	845 REFUGE RD
City	RAGLAND
State	AL
Zip	35131-4736
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM SE COR SEC 33 SW 766' NW 218' SW 170' N 395' TO POB SW 204.18' NW 498.12' NE 280.76' SE 504.21' TO POB 33-15-4
Legal Range	04E
Legal Township	15S
Legal Section	33
Jurisdiction	ST CLAIR AL
Township / Civil Division	RAGLAND
Census Block Group	2
Census Block	2046
Census Tract	40301

Owner

Source: St. Clair County records, as of August 4, 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	845 REFUGE RD, RAGLAND, AL 35131-4736
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Nov 30, 2018	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Dec 19, 2009
Transfer Doc	0000000353
Record Updated	Sep 20, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR AL
Property Address	845 REFUGE RD, RAGLAND, AL 35131-4736
Document Number	0000028077
Instrument Date	May 9, 2020
Transaction Type	Mortgage
Record Updated	Jul 27, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	845 REFUGE RD RAGLAND AL 351314736, RAGLAND, AL 35131-4736

Mortgage

Document Number	0000028077
Date	Jun 18, 2020
Instrument	28077

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 17, 2050

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR AL
Property Address	845 REFUGE RD, RAGLAND, AL 35131-4736
Document Number	0000009615
Instrument Date	Nov 30, 2018
Transaction Type	Mortgage
Record Updated	Apr 17, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	845 REFUGE RD RAGLAND AL 351314736, RAGLAND, AL 35131-4736

Mortgage

Document Number	0000009615
Date	Mar 27, 2019
Instrument	9615

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 26, 2034

Tax Assessment & Valuation

Source: St. Clair County assessment roll, as of August 4, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$265.00 (+17.78%)	$10,120 (-42.52%)	$100,910 (+14.62%)
2023		$17,607 Land $3,105 Building $14,502	$88,035 Land $15,525 Building $72,510
2022	$225.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 68% of the US · above 90% of Alabama
Wildfire Likelihood	0.3% 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 34 locations within half a mile, as of December 31, 2025

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

Cell Coverage

4G LTE only, no 5G reported

Nearby Properties on Refuge Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures