913 3rd Ave, Ragland, AL 35131 Property Records

St. Clair County property record for 913 3rd Ave, Ragland, AL 35131

Property Summary

Property Type	Single Family Home
Details	1,080 sqft · built 1920
Lot Size	0.49 acres (21,532 sqft)
Owner	Individual Name on Record
Last Sale	$90,000 (Jul 2024)
Tax Bill	$226 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Nov 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`19-03-07-0-008-014.000`

Property Details

APN / Parcel Number

Primary APN	`19-03-07-0-008-014.000`
Alternative APNs	`16223` `12840`

Interior

Stories	1 Story
Building Area	1,080 sqft Heated Area
1st Floor Area	1,080 sqft
Flooring	Wood
Interior Walls	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	21,532 sqft (0.49 acres)
Utility Building	128 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	913 3RD AVE
City	RAGLAND
State	AL
Zip	35131-3104
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 7 8 9 & 15 W SD LOT 10 BLK 32 TOWN OF RAGLAND SEC 7, T 15S, R 5E DEED BK 125 PAGE 215 DB 169/03-04 DB 204/332 DB 205/220
Legal Range	05E
Legal Township	15S
Legal Section	07
Legal Subdivision	S J CUMMINGS SURVEY
Legal Block	32
Legal Lot Number	7,10
Jurisdiction	ST CLAIR AL
Township / Civil Division	RAGLAND
Census Block Group	2
Census Block	2034
Census Tract	40302

Owner

Source: St. Clair County records, as of July 9, 2026

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
Mailing Address	913 3RD AVE, RAGLAND, AL 35131-3104
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Surviving Spouse

Deeds, Mortgages & Sale History

Date	Document
Jun 9, 2026	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Nov 9, 2020	Personal Representative Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 19, 2024 · Amount on Record
Deed Sale	Jul 19, 2024 · Amount on Record
Prior Sale	Nov 9, 2020 · Amount on Record
Deed Book / Page	2024 / 8433
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR AL
Recording Date	Jun 9, 2026
Property Address	913 3RD AVE, RAGLAND, AL 35131-3104
Document Number	2026025378
Book / Page	2026 / 25378
Instrument Date	Jun 2, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	913 3RD AVE, RAGLAND, AL 35131-3104

Mortgage

Document Number	2026025378,
Date	Jun 9, 2026
Book Page	2026/25378

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.37%
Max Rate	-1%

November 2020: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	ST CLAIR AL
Recording Date	Nov 9, 2020
Property Address	913 3RD AVE, RAGLAND, AL 35131-3104
Document Number	0000013163
Book / Page	DEED 2020 / 13163
Instrument Date	Nov 4, 2020
Transaction Type	Transfer
Record Updated	Jul 15, 2022

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	153 MCEWEN DR, 153, RAGLAND, AL 35131-4250

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	913 3RD AVE, RAGLAND, AL 35131-3104

Tax Assessment & Valuation

Source: St. Clair County assessment roll, as of April 17, 2026

Property Jurisdictions

Type	Name
State	Alabama
County	St. Clair County
Municipality	Ragland Town
Unified School District	St. Clair County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$226.00 (+15.9%)	$6,300 (-49.9%)	$62,870 (-)
2023		$12,574 Land $460 Building $12,114	$62,870 Land $2,300 Building $60,570
2022	$195.00

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 22, 2024 · 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

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 50% of the US · above 60% of Alabama
Wildfire Likelihood	0.1% 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	TOWN OF RAGLAND, THE WWB OF THE serves 3,243 people · EPA ID AL0001208
Water Source	Groundwater
Last State Inspection	May 2023
Lead	Under 1 ppb (2024–2026) 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 116 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Ragland Telephone Fiber	100 / 20

May also be available: Verizon.

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