865 Sunset Beach Rd, Florence, AL 35633 Property Records

Lauderdale County property record for 865 Sunset Beach Rd, Florence, AL 35633

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,755 sqft · built 1960
Lot Size	1.09 acres (47,480 sqft)
Owner	Individual Name on Record
Last Sale	$475,000 (Jun 2022)
Tax Bill	$1,106 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-02-10-0-001-030-000`

Property Details

APN / Parcel Number

Primary APN	`26-02-10-0-001-030-000`
Alternative APNs	`090298` `26800` `81602`

Interior

Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,755 sqft Living Area
1st Floor Area	1,755 sqft
Flooring	Carpet
Interior Walls	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Exterior Material	Brick/Stone
Foundation Type	Retaining Wall
Roof Type	Flat
Roof Material	Metal
Lot Area	47,480 sqft (1.09 acres)
Lot Dimensions	467 ft deep x 100 ft wide
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Gazebo	195 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	81602
Street Address	865 SUNSET BEACH RD
City	FLORENCE
State	AL
Zip	35633-0131
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01
Legal Description	100 X 467 IRR SUNSET BEACH LOT 55 PT OF 56 1.09 AC/C SEC 10 T3S R10W
Legal Range	13W
Legal Township	03S
Legal Section	10
Legal Subdivision	SUNSET BEACH
Legal Lot Number	55
Jurisdiction	LAUDERDALE AL
Township / Civil Division	OAKLAND
Census Block Group	2
Census Block	2045
Census Tract	11200

Owner

Source: Lauderdale County records, as of November 21, 2025

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
Co-owner	Co-owner on Record
Mailing Address	6615 PUMPING STATION RD, CYPRESS INN, TN 38452-4027
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 27, 2022	Warranty Deed, Transfer · Commercial Mortgage PROGRESS BANK & TRUST
Feb 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK INDEPENDENT

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 27, 2022 · Amount on Record
Deed Sale	Jun 27, 2022 · Amount on Record
Prior Sale	Mar 11, 2011
Deed Document Number	0202236273
Deed Book / Page	2022 / 36273
Record Updated	Jun 8, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAUDERDALE AL
Recording Date	Jun 27, 2022
Property Address	865 SUNSET BEACH RD, FLORENCE, AL 35633-0131
Document Number	2022/36273
Book / Page	2022 / 36273
Map Reference	MB 3 PG 9-A & 9-B
Instrument Date	Jun 23, 2022
Transaction Type	Transfer
Record Updated	Jul 13, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	86 OAKFAIR DR, 86, ROGERSVILLE, AL 35652-5770

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6615 PUMPING STATION RD, CYPRESS INN, TN 38452-4027

Mortgage

Document Number	202236276202236276
Date	Jun 27, 2022
Instrument	2022/36276202236276

Lender

Name	PROGRESS BANK & TRUST

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAUDERDALE AL
Property Address	865 SUNSET BEACH RD, FLORENCE, AL 35633-0131
Transaction Type	Mortgage
Record Updated	May 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021/8318
Date	Feb 10, 2021
Book Page	2021/8318

Lender

Name	BANK INDEPENDENT
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Lauderdale County assessment roll, as of January 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,106.00	$31,620 (-)	$316,000 (-) Land $181,600 Building $134,400
2024	$1,106.00 (-4.33%)	$31,620 (+74.12%) Land $18,160 Building $13,460	$316,000 (-) Land $181,600 Building $134,400
2023	$1,156.00 (+22.2%)	$18,160 (-29.12%) Land $18,160	$316,000 (+23.39%) Land $181,600 Building $134,400
2022	$946.00 Homeowner's exemption	$25,620	$256,100 Land $160,900 Building $95,200

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 1, 2018 · 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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	2 (1994–2018)
Claims Outside the SFHA	1 of 2
Most Recent Claim	May 2018 · 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.

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 31 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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