852 McCain Rd, Eclectic, AL 36024 Property Records

Elmore County property record for 852 McCain Rd, Eclectic, AL 36024

Property Summary

Property Type	Single Family Home
Details	4 ba · 2,801 sqft · built 1960
Lot Size	0.39 acres (16,988 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,450,000 (Dec 2025)
Tax Bill	$2,718 (2026)
Deeds & Mortgages	Apr 2026 Construction Loan Nov 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`07-05-22-0-001-008.006`

Property Details

APN / Parcel Number

Primary APN	`07-05-22-0-001-008.006`
Alternative APN	`119730`

Interior

Full Baths	4 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,801 sqft Living Area
1st Floor Area	2,618 sqft
Upper Floors Area	1,596 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Exterior Material	Brick/Stone
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	16,988 sqft (0.39 acres)
Garage Area	1,268 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	1,230 sqft
Deck Area	207 sqft
Patio Area	207 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	852 MCCAIN RD
City	ECLECTIC
State	AL
Zip	36024-4414
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 607 KOWALIGA BAY BEACH PLAT #1 11/50A
Legal Range	21E
Legal Township	20N
Legal Section	22
Legal Subdivision	KOWALIGA BAY BEACH SUB 1
Legal Lot Number	607
Jurisdiction	ELMORE AL
Township / Civil Division	ECLECTIC
Census Block Group	1
Census Block	1011
Census Tract	30300

Owner

Source: Elmore County records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	852 MCCAIN RD, ECLECTIC, AL 36024-4414
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 14, 2026	Deed of Trust, Mortgage · Construction Mortgage RIVER BANK AND TRUST
Nov 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage ALABAMA HOME MORTGAGE LOANS INC
Nov 15, 2019	Deed of Trust, Mortgage · Conventional Mortgage ALABAMA HOME MORTGAGE LOANS INC
Jun 12, 2019	Deed of Trust, Mortgage · Conventional Mortgage ALABAMA HOME MORTGAGE LOANS INC
Dec 30, 2025	Warranty Deed, Transfer · Conventional Mortgage RIVER BANK & TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 30, 2025 · Amount on Record
Deed Sale	Dec 30, 2025 · Amount on Record
Deed Book / Page	2025 / 75216
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELMORE AL
Recording Date	Apr 14, 2026
Property Address	852 MCCAIN RD, ECLECTIC, AL 36024-4414
Document Number	2026021885
Book / Page	2026 / 21885
Instrument Date	Apr 9, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	852 MCCAIN RD, ECLECTIC, AL 36024-4414
Investor	Possibly a Property Investor

Mortgage

Document Number	2026021885,
Date	Apr 14, 2026
Book Page	2026/21885

Lender

Name	RIVER BANK AND TRUST

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 14, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.11%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELMORE AL
Property Address	852 MCCAIN RD, ECLECTIC, AL 36024-4414
Transaction Type	Mortgage
Record Updated	Mar 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020/81473
Date	Nov 5, 2020
Book Page	2020/81473

Lender

Name	ALABAMA HOME MORTGAGE LOANS INC
Type	Non-Lending Institution
Address	WETUMPKA, AL 36093

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Oct 1, 2050

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELMORE AL
Property Address	852 MCCAIN RD, ECLECTIC, AL 36024-4414
Transaction Type	Mortgage
Record Updated	Mar 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019/61979
Date	Nov 15, 2019
Book Page	2019/61979

Lender

Name	ALABAMA HOME MORTGAGE LOANS INC
Type	Non-Lending Institution
Address	WETUMPKA, AL 36093

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2049

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELMORE AL
Property Address	852 MCCAIN RD, ECLECTIC, AL 36024-4414
Transaction Type	Mortgage
Record Updated	Mar 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019/28768
Date	Jun 12, 2019
Book Page	2019/28768

Lender

Name	ALABAMA HOME MORTGAGE LOANS INC
Type	Non-Lending Institution
Address	WETUMPKA, AL 36093

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	May 1, 2049

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ELMORE AL
Recording Date	Dec 30, 2025
Property Address	852 MCCAIN RD, ECLECTIC, AL 36024-4414
Document Number	2025/75216
Book / Page	2025 / 75216
Map Reference	MB 11 PG 50&50A
Instrument Date	Dec 29, 2025
Transaction Type	Transfer
Record Updated	Mar 19, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2864 NORCROSS RD, MARYVILLE, TN 37803-4120

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	852 MCCAIN RD, ECLECTIC, AL 36024-4414

Mortgage

Document Number	0202575219
Date	Dec 30, 2025
Instrument	2025/75219

Lender

Name	RIVER BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 29, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.35%
Type Change Date	Feb 28, 2031
Change Frequency	Annually
Min Rate At Change	5.35%
Max Rate At Change	8.35%
Index	1-Year T-Bill
Max Rate	11.3%

Tax Assessment & Valuation

Source: Elmore County assessment roll, as of March 19, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,718.00 (+6.88%)
2025	$2,543.00	$99,740 (+6.99%)	$1,223,870 (+31.29%) Land $401,010 Building $822,860
2024	Homeowner's exemption Disabled Person's exemption	$93,220 (+%)	$932,170 (-) Land $401,010 Building $531,160
2023		$93,217 Land $40,101 Building $53,116	$932,170 Land $401,010 Building $531,160

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 February 20, 2026 · 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2021)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2021 · rainfall accumulation

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	Not rated no burnable land within ember reach

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	CENTRAL ELMORE WATER & SEWER AUTHORITY serves 39,798 people · EPA ID AL0000547
Water Source	Surface water
Last State Inspection	Aug 2023
Lead	Under 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 32 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
C Spire Wireless Fiber · Cable	2,000 / 2,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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