908 Frances Cir, Clanton, AL 35045 Property Records

Chilton County property record for 908 Frances Cir, Clanton, AL 35045

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,458 sqft · built 1985
Lot Size	0.56 acres (24,385 sqft)
Owner	2 Individual Names on Record
Tax Bill	$677 (2025)
Deeds & Mortgages	May 2005 Mortgage Jul 2012 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1009310003012000`

Property Details

APN / Parcel Number

Primary APN	`1009310003012000`
Alternative APN	`8243`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,458 sqft Adjusted Area
1st Floor Area	1,458 sqft
Utility Area	140 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Exterior Material	Wood Siding
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	24,385 sqft (0.56 acres)
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Pool Area	600 sqft
Porch	Slab
Porch Area	294 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	8243
Street Address	908 FRANCES CIR
City	CLANTON
State	AL
Zip	35045-8438
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 12 BLK 1 OLD ACRES S/D 31-22-15
Legal Range	15
Legal Township	22
Legal Section	31
Legal Subdivision	OLD ACRES S D
Legal Block	1
Legal Lot Number	12
Jurisdiction	CHILTON AL
Township / Civil Division	CLANTON
Census Block Group	4
Census Block	4000
Census Tract	60101

Owner

Source: Chilton County records, as of March 31, 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	908 FRANCES CIR, CLANTON, AL 35045-8438
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 23, 2005	Deed of Trust, Mortgage · ARM AMERIQUEST MORTGAGE CORP
Jul 11, 2012	Deed of Trust, Mortgage · FHA Mortgage THE MORTGAGE OUTLET INC
Feb 2, 2009	Deed of Trust, Mortgage · FHA Mortgage THE MORTGAGE OUTLET INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Jun 8, 2026

May 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHILTON AL
Property Address	908 FRANCES CIR, CLANTON, AL 35045-8438
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	R2005/113116
Date	May 23, 2005
Book Page	R2005/113116
Instrument	113116

Lender

Name	AMERIQUEST MORTGAGE CORP
Type	Mortgage Company
Address	ORANGE, CA 92868

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2035

Interest

Rate Type	Adjustable Rate
Rate	9.6%
Type Change Date	Jun 1, 2007
Change Frequency	6 Months
Min Rate At Change	9.6%
Max Rate At Change	11.6%
Index	6-Month LIBOR
Max Rate	15.6%

July 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHILTON AL
Property Address	908 FRANCES CIR, CLANTON, AL 35045-8438
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2012/172221
Date	Jul 11, 2012
Book Page	2012/172221
Instrument	172221

Lender

Name	THE MORTGAGE OUTLET INC
Type	Mortgage Company
Address	MARIETTA, GA 30066

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2042

February 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHILTON AL
Property Address	908 FRANCES CIR, CLANTON, AL 35045-8438
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	R2009/146692
Date	Feb 2, 2009
Book Page	R2009/146692
Instrument	146692

Lender

Name	THE MORTGAGE OUTLET INC
Type	Mortgage Company
Address	MARIETTA, GA 30066

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2039

Tax Assessment & Valuation

Source: Chilton County assessment roll, as of March 31, 2026

Property Jurisdictions

Type	Name
State	Alabama
County	Chilton County
Municipality	Clanton City
Unified School District	Chilton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$677.00	$34,960 (-) Land $5,000 Building $29,960	$174,800 (-) Land $25,000 Building $149,800
2024	$677.00 Additional exemption filed	$34,960 (-) Land $5,000 Building $29,960
2023	$677.00 (+30.95%)	$34,960 (+147.24%) Land $5,000 Building $29,960	$174,800 (+23.62%) Land $25,000 Building $149,800
2022	$517.00	$14,140 Land $2,750 Building $11,390	$141,400 Land $27,500 Building $113,900

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 October 18, 2023 · 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
Nearby Flood Claims	3 (1990)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Mar 1990 · Severe Storms, Tornadoes & Flooding
Claims by Event	Severe Storms, Tornadoes & Flooding, Mar 1990 · 3 claims

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 43% of the US · above 46% of Alabama
Wildfire Likelihood	0.07% 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	CITY OF CLANTON, THE WW & SB OF THE serves 13,500 people · EPA ID AL0000213
Water Source	Surface water
Last State Inspection	Sep 2023
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 49 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Central Access Fiber	2,000 / 2,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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