916 McCay Ave, Mobile, AL 36609 Property Records

Mobile County property record for 916 McCay Ave, Mobile, AL 36609

Property Summary

Property Type	Duplex
Details	5 ba · 3,610 sqft · built 2024
Lot Size	0.164 acres (7,173 sqft)
Owner	2 Individual Names on File
Last Sale	$498,750 (Sep 2025)
Tax Bill	$1,950 (2025)
Deeds & Mortgages	Sep 2025 Sale Sep 2025 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`R022808282000073`

Property Details

APN / Parcel Number

Primary APN	`R022808282000073`
Alternative APNs	`28 08 28 2 000 073.XXX` `00584228` `584228`

Interior

Full Baths	5 Baths
Stories	2 Stories
Building Area	3,610 sqft Living Area
1st Floor Area	1,498 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	7,173 sqft (0.164 acres)
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	584228
Street Address	916 MCCAY AVE
City	MOBILE
State	AL
Zip	36609
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	LOT 9 BLK 46 PINEHURST SUB DBK 138 PGS 118-121 LESS & EXC 5 FT WIDE STRIP ACROSS EXTREME ELY PART THEREOF RESERVED FOR FUTURE
Legal Range	04S
Legal Township	04S
Legal Section	28
Legal Subdivision	PINEHURST
Legal Block	46
Legal Lot Number	9
Jurisdiction	MOBILE AL
Township / Civil Division	TANNER WILLIAMS
Census Block Group	3
Census Block	3015
Census Tract	3704

Owner

916 McCay Ave, a duplex, is owned by two individuals who bought it in September 2025.

Source: Mobile County records, as of July 22, 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 File
Mailing Address	6341 PICCADILLY SQUARE DR, MOBILE, AL 36609-5103
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2025	Warranty Deed, Transfer
Sep 16, 2025	Warranty Deed, Subdivision Related Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Jul 10, 2026	Deed of Trust, Mortgage · VA Mortgage MORTGAGE CENTER LLC
Jun 23, 2026	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CTR
Jan 21, 2022	Warranty Deed, Transfer
Jan 6, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 16, 2025 · Amount on File
Deed Sale	Sep 16, 2025 · Amount on File
Prior Sale	Sep 16, 2025 · Amount on File
Deed Document Number	202556048
Record Updated	Sep 20, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MOBILE AL
Recording Date	Sep 16, 2025
Property Address	916 MCCAY AVE, MOBILE, AL 36609-5177
Document Number	0000056041
Instrument Date	Sep 12, 2025
Instrument	2025056041
Transaction Type	Transfer
Record Updated	Dec 23, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6341 PICCADILLY SQUARE DR, MOBILE, AL 36609-5103

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6341 PICCADILLY SQUARE DR, MOBILE, AL 36609-5103
Investor	Possibly a Property Investor

September 2025: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	MOBILE AL
Recording Date	Sep 16, 2025
Property Address	916 MCCAY AVE, MOBILE, AL 36609-5177
Document Number	0000056048
Instrument Date	Sep 12, 2025
Instrument	2025056048
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 23, 2025

Transaction

Amount	Amount 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	6341 PICCADILLY SQUARE DR, MOBILE, AL 36609-5103

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	916 MCCAY AVE, MOBILE, AL 36609-5177

Mortgage

Document Number	0000056049
Date	Sep 16, 2025
Instrument	2025056049

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MOBILE AL
Recording Date	Jul 10, 2026
Property Address	916 MCCAY AVE, MOBILE, AL 36609
Document Number	0000041381
Instrument Date	Sep 12, 2025
Instrument	202641381
Transaction Type	Mortgage
Record Updated	Jul 22, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6293 WOODSIDE DR N, THEODORE, AL 36582-6063

Mortgage

Document Number	0000041381,
Date	Jul 10, 2026
Instrument	202641381

Lender

Name	MORTGAGE CENTER LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2055

Interest

Rate	6.58%
Max Rate	-1%

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MOBILE AL
Recording Date	Jun 23, 2026
Property Address	916 MCCAY AVE, MOBILE, AL 36609
Document Number	0000036028
Instrument Date	Sep 12, 2025
Instrument	202636028
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6293 WOODSIDE DR N, THEODORE, AL 36582-6063

Mortgage

Document Number	0000036028,
Date	Jun 23, 2026
Instrument	202636028

Lender

Name	MORTGAGE RESEARCH CTR

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.58%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MOBILE AL
Recording Date	Jan 21, 2022
Property Address	916 MCCAY AVE, MOBILE, AL 36609-5177
Document Number	0000005029
Map Reference	MB 138 PG 118-121
Instrument Date	Jan 20, 2022
Instrument	2022005029
Transaction Type	Transfer
Record Updated	Dec 23, 2025

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	PO BOX 850008, MOBILE, AL 36685-0008

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	210 PORTSIDE BLVD, MOBILE, AL 36695-3328

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MOBILE AL
Recording Date	Jan 6, 2022
Property Address	916 MCCAY AVE, MOBILE, AL 36609-5177
Document Number	0000000981
Map Reference	MB 138 PG 118-121
Instrument Date	Jan 5, 2022
Instrument	2022000981
Transaction Type	Transfer
Record Updated	Dec 23, 2025

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	2012 OAKCHASE CT, MOBILE, AL 36609-2755

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	210 PORTSIDE BLVD, MOBILE, AL 36695-3328
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 916 McCay Ave was $1,950, up 466.9% from the year before.

Source: Mobile County assessment roll, as of December 23, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,950.00 (+466.86%)	$30,560 (+463.84%) Land $5,420 Building $25,140	$152,800 (+463.84%) Land $27,100 Building $125,700
2024	$344.00	$5,420 (-) Land $5,420	$27,100 (-) Land $27,100
2023	$344.00	$5,420 Land $5,420	$27,100 Land $27,100

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 916 McCay Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 1, 2025 · 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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	3 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

Wildfire risk around 916 McCay Ave is low, with a 0.06% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 63% of the US · lower than 77% of Alabama
Wildfire Likelihood	0.06% 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 MOBILE, BD. OF W&S COMM. OF THE serves 279,000 people · EPA ID AL0001005
Water Source	Surface water
Last State Inspection	Sep 2023
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jul 2023
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 361 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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