943 McCay Ave, Oneonta, AL 35121 Property Records

Blount County property record for 943 McCay Ave, Oneonta, AL 35121

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,678 sqft · built 2016
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Last Sale	$242,520 (Feb 2023)
Tax Bill	$1,188 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`16-09-30-4-003-013.008`

Property Details

APN / Parcel Number

Primary APN	`16-09-30-4-003-013.008`
Alternative APNs	`052957` `52957` `65099` `74345`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,678 sqft Living Area
1st Floor Area	1,308 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	8,712 sqft (0.2 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	74345
Street Address	943 MCCAY AVE
City	ONEONTA
State	AL
Zip	35121-2515
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 9 PARK SPRINGS, MCA/113 PG 9--
Legal Range	02E
Legal Township	12S
Legal Section	30
Legal Subdivision	PARK SPRINGS
Legal Lot Number	9
Jurisdiction	BLOUNT AL
Township / Civil Division	ONEONTA
Census Block Group	2
Census Block	2042
Census Tract	50105

Owner

943 McCay Ave is owned and occupied by two individuals who bought it in February 2023.

Source: Blount County records, as of August 25, 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	943 MCCAY AVE, ONEONTA, AL 35121-2515
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 28, 2022	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Aug 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 22, 2023 · Amount on File
Deed Sale	Feb 22, 2023 · Amount on File
Deed Document Number	202310045785
Deed Book / Page	2023 / 3987
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLOUNT AL
Property Address	943 MCCAY AVE, ONEONTA, AL 35121-2515
Transaction Type	Mortgage
Record Updated	Nov 16, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02022/2973
Date	Jan 28, 2022
Book Page	2022/2973
Instrument	10035222

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLOUNT AL
Property Address	943 MCCAY AVE, ONEONTA, AL 35121-2515
Transaction Type	Mortgage
Record Updated	May 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020/25105
Date	Aug 20, 2020
Book Page	2020/25105
Instrument	10019105

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 943 McCay Ave was $1,188, down 0.9% from the year before.

Source: Blount County assessment roll, as of August 25, 2026

Property Jurisdictions

Type	Name
State	Alabama
County	Blount County
Municipality	Oneonta City
Unified School District	Oneonta City School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,188.00 (-0.92%)	$26,400 (-0.98%)	$263,960 (-0.99%) Land $23,200 Building $240,760
2024	$1,199.00 (+9.9%)	$26,660 (+4.39%) Land $2,320 Building $24,340	$266,600 (+4.39%) Land $23,200 Building $243,400
2023	$1,091.00 (+5.61%) Homeowner's exemption	$25,540 (+5.28%) Land $2,320 Building $23,220	$255,380 (+5.3%) Land $23,200 Building $232,180
2022	$1,033.00 Homeowner's exemption	$24,260 Land $2,320 Building $21,940	$242,520 Land $23,200 Building $219,320

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

FEMA maps place 943 McCay Ave in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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 943 McCay Ave is low, with a 0.03% 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	0.03% annual chance
Exposure	Indirect within 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 ONEONTA, UB OF THE serves 19,971 people · EPA ID AL0000103
Water Source	Surface water
Last State Inspection	Aug 2023
Lead	Under 1 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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 202 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
GoNetspeed Cable · Fiber in parts of the area	1,000 / 25
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: T-Mobile.

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