945 McCay Ave, Oneonta, AL 35121 Property Records

Blount County property record for 945 McCay Ave, Oneonta, AL 35121

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,287 sqft · built 2020
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Last Sale	$166,000 (Jul 2020)
Tax Bill	$914 (2026)
Deeds & Mortgages	Mar 2020 Line of Credit Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`16-09-30-4-003-013.006`

Property Details

APN / Parcel Number

Primary APN	`16-09-30-4-003-013.006`
Alternative APNs	`052955` `52955` `64754`

Interior

Full Baths	1 Bath
Plumbing Fixtures	6 Plumbing Fixtures
Building Area	1,287 sqft Living Area
1st Floor Area	1,287 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	8,712 sqft (0.2 acres)
Utility Building	160 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	64754
Street Address	945 MCCAY AVE
City	ONEONTA
State	AL
Zip	35121-2515
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 7 PARK SPRINGS, MCA/113 PG 9
Legal Range	02E
Legal Township	12S
Legal Section	30
Legal Subdivision	PARK SPRINGS
Legal Lot Number	7
Jurisdiction	BLOUNT AL
Township / Civil Division	ONEONTA
Census Block Group	2
Census Block	2042
Census Tract	50105

Owner

945 McCay Ave is owned and occupied by two individuals who bought it in July 2020.

Source: Blount County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	945 MCCAY AVE, ONEONTA, AL 35121-2515
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 20, 2020	Deed of Trust, Mortgage · Line of Credit THE HOMETOWN BANK OF ALABAMA
Jul 27, 2020	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage KELLER MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 27, 2020 · Amount on File
Deed Sale	Jul 27, 2020 · Amount on File
Deed Document Number	202010018393
Deed Book / Page	2020 / 22115
Record Updated	Oct 29, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLOUNT AL
Property Address	945 MCCAY AVE, ONEONTA, AL 35121-2515
Transaction Type	Mortgage
Record Updated	May 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02020/8357
Date	Mar 20, 2020
Book Page	2020/8357
Instrument	10015194

Lender

Name	THE HOMETOWN BANK OF ALABAMA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	6 Months
Due	Sep 15, 2020

July 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	BLOUNT AL
Recording Date	Jul 27, 2020
Property Address	945 MCCAY AVE, ONEONTA, AL 35121-2515
Document Number	2020/22115
Book / Page	2020 / 22115
Instrument Date	Jul 24, 2020
Instrument	10018393
Transaction Type	Subdivision Related Transfer
Record Updated	May 30, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship

Mortgage

Document Number	2020/22117
Date	Jul 27, 2020
Book Page	2020/22117
Instrument	10018394

Lender

Name	KELLER MORTGAGE LLC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2026 property tax bill for 945 McCay Ave was $914 with a homeowner's exemption, up 2% 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
2026	$914.00 (+2.01%) Homeowner's exemption
2025	$896.00 (-0.99%)	$21,220 (-0.93%)	$212,080 (-0.93%) Land $22,500 Building $189,580
2024	$905.00 (+7.87%) Homeowner's exemption	$21,420 (+7.42%) Land $1,920 Building $19,500	$214,080 (+7.41%) Land $19,100 Building $194,980
2023	$839.00 (+5.67%) Homeowner's exemption	$19,940 (+5.28%) Land $1,920 Building $18,020	$199,320 (+5.32%) Land $19,100 Building $180,220
2022	$794.00 Homeowner's exemption	$18,940 Land $1,920 Building $17,020	$189,260 Land $19,100 Building $170,160

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 945 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 945 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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