Etowah County property record for 920 Lay St, Gadsden, AL 35903
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,392 sqft · built 1930 |
| Lot Size | 0.15 acres (6,750 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $549 (2026) |
| Deeds & Mortgages | Feb 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-01-11-2-000-225.000 |
| Primary APN | 15-01-11-2-000-225.000 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,392 sqft Living Area |
| 1st Floor Area | 1,392 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Exterior Material | Vinyl |
| Foundation Type | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 6,750 sqft (0.15 acres) |
| Lot Dimensions | 150 ft deep x 45 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Utility Building | 196 sqft |
| Heating System | Gravity Furnace |
|---|
| Account Number | 262182 |
|---|---|
| Street Address | 920 LAY ST |
| City | GADSDEN |
| State | AL |
| Zip | 35903-1727 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | H/S BASE YEAR - LT 24 BLK 31 GARDEN CITY SUB NO 1 PLAT C-409 11-12-6 1228-749,1415-533,1463-351,1482-153,D-2006-3249559(LF EST), D-2022-3540667(ROS) |
| Legal Range | 6E |
| Legal Township | 12S |
| Legal Section | 11 |
| Legal Subdivision | GARDEN CITY SUB #1 |
| Legal Block | 31 |
| Legal Lot Number | 24 |
| Jurisdiction | ETOWAH AL |
| Township / Civil Division | GADSDEN |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 1300 |
920 Lay St, a single family home, is owned by two individuals.
Source: Etowah County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 403 PATTERSON AVE, GADSDEN, AL 35903-3639 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ETOWAH AL |
| Property Address | 920 LAY ST, GADSDEN, AL 35903-1727 |
| Transaction Type | Mortgage |
| Record Updated | Nov 23, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0003516396 |
|---|---|
| Date | Feb 19, 2021 |
| Instrument | 3516396 |
| Name | CITY OF GADSDEN |
|---|---|
| Type | Private Party |
| Address | GADSDEN, AL 35901 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 0 Months |
| Due | Feb 19, 2021 |
The 2026 property tax bill for 920 Lay St was $549, up 6.8% from the year before.
Source: Etowah County assessment roll, as of June 23, 2026
| Type | Name |
|---|---|
| State | Alabama |
| County | Etowah County |
| Municipality | Gadsden City |
| Unified School District | Gadsden City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $549.00 (+6.81%) | ||
| 2025 | $514.00 | $10,500 Land $600 Building $9,900 | $52,500 Land $3,000 Building $49,500 |
| 2023 | $514.00 | $10,500 (+1%) Land $600 Building $9,900 | $52,500 (-) Land $3,000 Building $49,500 |
| 2022 | $514.00 | $5,250 Land $300 Building $4,950 | $52,500 Land $3,000 Building $49,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 920 Lay St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective March 21, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 2 (1979–2004) |
| Most Recent Claim | Dec 2004 · rainfall accumulation |
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.
The area around 920 Lay St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF GADSDEN, THE WWSB OF THE serves 44,637 people · EPA ID AL0000577 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jan 2024 |
| Lead | 3 ppb (2022–2024) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 453 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 |
May also be available: AT&T, T-Mobile.
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