848 Low Gap Rd, Gurley, AL 35748 Property Records

Madison County property record for 848 Low Gap Rd, Gurley, AL 35748

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,725 sqft · built 1962
Lot Size	0.7 acres (30,492 sqft)
Owner	2 Individual Names on Record
Last Sale	$215,000 (Feb 2024)
Tax Bill	$524 (2026)
Deeds & Mortgages	Feb 2024 Mortgage Feb 2024 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`22-05-16-0-001-005.000`

Property Details

APN / Parcel Number

Primary APN	`22-05-16-0-001-005.000`
Alternative APNs	`084429` `507575` `624167`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,725 sqft Living Area
1st Floor Area	1,810 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Exterior Material	Vinyl
Foundation Type	Retaining Wall
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	30,492 sqft (0.7 acres)
Garage Area	840 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Heating System	Gravity Furnace

Location & Zoning

Account Number	624167
Street Address	848 LOW GAP RD
City	GURLEY
State	AL
Zip	35748-8632
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEC 16 T5S R2E COMM AT THE CEN OF THE E BDRY OF THE NE COR OF SEC 16 TH W TO THE W MAR OF LOW GAP RD & THE POB TH S ALG SD W
Legal Range	02E
Legal Township	05S
Legal Section	16
Jurisdiction	MADISON AL
Township / Civil Division	NEW HOPE
Census Block Group	1
Census Block	1051
Census Tract	11301

Owner

Source: Madison 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	848 LOW GAP RD, GURLEY, AL 35748-8632
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Feb 7, 2024	Deed of Trust, Mortgage · FHA Mortgage JACKSON FLAGSTAR CENTRE OFFICE
Feb 7, 2024	Warranty Deed, Transfer · FHA Mortgage JACKSON FLAGSTAR CENTRE OFFICE
Jan 28, 2020	Warranty Deed, Transfer NOT AVAILABLE
Nov 22, 2019	Warranty Deed, Transfer ATTORNEY ONLY
May 9, 2019	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 7, 2024 · Amount on Record
Deed Sale	Feb 7, 2024 · Amount on Record
Prior Sale	Jan 28, 2020 · Amount on Record
Deed Book / Page	2024 / 3732
Prior Transfer Date	Apr 26, 2019
Prior Transfer Doc	0000028285
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON AL
Property Address	848 LOW GAP RD, GURLEY, AL 35748-8632
Transaction Type	Mortgage
Record Updated	Feb 20, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016400
Date	Feb 7, 2024
Book Page	2024/16400

Lender

Name	JACKSON FLAGSTAR CENTRE OFFICE
Type	Bank
Address	5151 CORPORATE DR, TROY, MI 48098

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2054

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON AL
Recording Date	Feb 7, 2024
Property Address	848 LOW GAP RD, GURLEY, AL 35748-8632
Document Number	0000003732
Book / Page	DEED 2024 / 3732
Instrument Date	Jan 31, 2024
Transaction Type	Transfer
Record Updated	May 7, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 716, RUSSELLVILLE, AL 35653-0716

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	848 LOW GAP RD, GURLEY, AL 35748-8632

Mortgage

Document Number	0202416400
Date	Feb 7, 2024
Instrument	2024/16400

Lender

Name	JACKSON FLAGSTAR CENTRE OFFICE
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2054

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON AL
Recording Date	Jan 28, 2020
Property Address	848 LOW GAP RD, GURLEY, AL 35748-8632
Document Number	0000006500
Instrument Date	Jan 27, 2020
Instrument	6500
Transaction Type	Transfer
Record Updated	Feb 14, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$172.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	848 LOW GAP RD GURLEY AL 357488632, GURLEY, AL 35748-8632

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON AL
Recording Date	Nov 22, 2019
Property Address	848 LOW GAP RD, GURLEY, AL 35748-8632
Document Number	0000076729
Instrument Date	Nov 14, 2019
Instrument	76729
Transaction Type	Transfer
Record Updated	Dec 12, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$3.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	868 LOW GAP RD GURLEY AL 357488632, GURLEY, AL 35748-8632

May 2019: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	MADISON AL
Recording Date	May 9, 2019
Property Address	848 LOW GAP RD, GURLEY, AL 35748-8632
Document Number	0000028285
Instrument Date	Apr 23, 2019
Instrument	28285
Transaction Type	Foreclosure
Record Updated	May 29, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$72.94
Amount Accuracy	Confirmed
Additional	Foreclosure Auction Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1500 OLD BIG COVE RD SE BIG COVE AL 357639068, BIG COVE, AL 35763-9068

Tax Assessment & Valuation

Source: Madison County assessment roll, as of November 17, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$524.00 (+2.14%)
2025	$513.00 (-53.11%) Homeowner's exemption	$15,580 (-48.68%) Land $2,280 Building $13,300	$155,800 (+2.64%) Land $22,800 Building $133,000
2023	$1,094.00 (+16.51%)	$30,360 (+17.04%) Land $4,560 Building $25,800	$151,800 (+17.04%) Land $22,800 Building $129,000
2022	$939.00	$25,940 Land $2,360 Building $23,580	$129,700 Land $11,800 Building $117,900

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 September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 17 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	17 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	Low lower than 80% of the US · lower than 91% of Alabama
Wildfire Likelihood	0.01% 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	OWENS CROSSROADS WATER AUTHORITY serves 13,569 people · EPA ID AL0000897
Water Source	Groundwater
Last State Inspection	Feb 2024
Lead	1 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	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 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
NHTC Fiber	8,000 / 8,000
Xfinity Cable	1,200 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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