905 Prospect St, Florence, AL 35630 Property Records

Lauderdale County property record for 905 Prospect St, Florence, AL 35630

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,140 sqft · built 1924
Lot Size	0.172 acres (7,500 sqft)
Owner	Company Name on File
Last Sale	$202,000 (Mar 2025)
Tax Bill	$1,253 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Nov 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`24-02-10-1-002-046-000`

Property Details

APN / Parcel Number

Primary APN	`24-02-10-1-002-046-000`
Alternative APNs	`053826` `106534` `53417` `53826` `93920`

Interior

Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,140 sqft Living Area
1st Floor Area	1,140 sqft
Flooring	Hardwood
Interior Walls	Plaster

Exterior

Year Built	Built 1924
Exterior Material	Vinyl
Foundation Type	Retaining Wall
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	7,500 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Gravity Furnace

Location & Zoning

Account Number	93920
Street Address	905 PROSPECT ST
City	FLORENCE
State	AL
Zip	35630-3512
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02
Legal Description	50 X 150 CITY OF FLORENCE SD BLK 425 LOT 15 SEC 10 T3S R11W PB 1 PG 141
Legal Range	11W
Legal Township	03S
Legal Section	10
Legal Subdivision	CITY OF FLORENCE BLOCK 0425
Legal Block	425
Legal Lot Number	15
Jurisdiction	LAUDERDALE AL
Township / Civil Division	FLORENCE
Census Block Group	1
Census Block	1019
Census Tract	10600

Owner

905 Prospect St is owned by a company that bought it in March 2025.

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

Owner of Record	Company Name on File
Mailing Address	2355 MALL RD, FLORENCE, AL 35630-2802
Owner Type	Company

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

Deeds, Mortgages & Sale History

Date	Document
Mar 19, 2026	Deed of Trust, Mortgage · Commercial Mortgage BANK INDEPENDENT
Nov 9, 2022	Warranty Deed, Transfer
Oct 13, 2022	Warranty Deed, Transfer · Commercial Mortgage BANK INDEPENDENT

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 11, 2025 · Amount on File
Deed Sale	Mar 11, 2025 · Amount on File
Prior Sale	Nov 9, 2022 · Amount on File
Deed Document Number	0202510386
Deed Book / Page	2025 / 10386
Record Updated	Jun 8, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAUDERDALE AL
Property Address	905 PROSPECT ST, FLORENCE, AL 35630-3512
Transaction Type	Mortgage
Record Updated	Apr 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2026/13017
Date	Mar 19, 2026
Book Page	2026/13017

Lender

Name	BANK INDEPENDENT
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 11, 2056

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAUDERDALE AL
Recording Date	Nov 9, 2022
Property Address	905 PROSPECT ST, FLORENCE, AL 35630-3512
Document Number	2022/59428
Book / Page	2022 / 59428
Map Reference	MB 1 PG 141
Instrument Date	Nov 2, 2022
Transaction Type	Transfer
Record Updated	Nov 23, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	439 N WALNUT ST, 439, FLORENCE, AL 35630-4635

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	717 PROSPECT ST, FLORENCE, AL 35630-3508

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAUDERDALE AL
Recording Date	Oct 13, 2022
Property Address	905 PROSPECT ST, FLORENCE, AL 35630-3512
Document Number	2022/55489
Book / Page	2022 / 55489
Map Reference	MB 1 PG 141
Instrument Date	Oct 12, 2022
Transaction Type	Transfer
Record Updated	May 30, 2023

Transaction

Amount	Amount on Record
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	439 N WALNUT ST, FLORENCE, AL 35630-4635

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	717 PROSPECT ST, FLORENCE, AL 35630-3508
Investor	Possibly a Property Investor

Mortgage

Document Number	2022/55491
Date	Oct 13, 2022
Book Page	2022/55491

Lender

Name	BANK INDEPENDENT
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 12, 2052

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 905 Prospect St was $1,253, up 6.9% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,253.00 (+6.91%)	$25,580 (+6.94%)	$129,220 (+8.03%) Land $8,400 Building $120,820
2024	$1,172.00 (+11.83%)	$23,920 (+1,798.41%) Land $1,380 Building $22,540	$119,620 (+11.84%) Land $6,900 Building $112,720
2023	$1,048.00 (+17.23%)	$1,260 (-93.1%) Land $1,260	$106,960 (+17.15%) Land $6,300 Building $100,660
2022	$894.00	$18,260	$91,300 Land $6,900 Building $84,400

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 905 Prospect St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 1, 2018

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 905 Prospect St is low, with a 0.01% annual chance of 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	None beyond 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	CITY OF FLORENCE WATER DEPARTMENT serves 77,766 people · EPA ID AL0000783
Water Source	Surface water
Last State Inspection	May 2023
Lead	3 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	2 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 369 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile.

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