946 Navco Rd, Mobile, AL 36605 Property Records

Mobile County property record for 946 Navco Rd, Mobile, AL 36605

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,428 sqft · built 1990
Lot Size	0.294 acres (12,837 sqft)
Owner	Individual Name on File
Last Sale	$5,500 (Oct 2015)
Tax Bill	$817 (2025)
Deeds & Mortgages	Feb 2023 Mortgage Dec 2019 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`R022909510010054`

Property Details

APN / Parcel Number

Primary APN	`R022909510010054`
Alternative APNs	`29 09 51 0 010 054.XXX` `00897275` `897275`

Interior

Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,428 sqft Living Area
1st Floor Area	1,428 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	12,837 sqft (0.294 acres)
Porch	Slab
Porch Area	84 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	897275
Street Address	946 NAVCO RD
City	MOBILE
State	AL
Zip	36605-2413
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEG ON W/S OF NAVCO RD 1955.5 FT N OF INT OF S/L OF SEC 32 T4S R1W W RWL OF NAVCO RD TH N ALG W/S OF NAVCO RD 62.5 FT TH W A
Legal Range	04S
Legal Township	04S
Legal Section	51
Legal Subdivision	RESIDENTIAL SITE (NONCONFORMI
Jurisdiction	MOBILE AL
Township / Civil Division	MOBILE
Census Block Group	3
Census Block	3005
Census Tract	2200

Owner

946 Navco Rd is owned and occupied by an individual who bought it in October 2015.

Source: Mobile County records, as of September 15, 2026

Owner of Record	Individual Name on File
Mailing Address	946 NAVCO RD, MOBILE, AL 36605-2413
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
Feb 28, 2023	Deed of Trust, Mortgage · FHA Mortgage MIDFIRST BANK
Dec 16, 2019	Loan Modification, Mortgage MIDFIRST BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 26, 2015 · Amount on File
Deed Sale	Oct 26, 2015 · Amount on File
Prior Sale	Mar 6, 2013 · Amount on File
Deed Document Number	201555459
Deed Book / Page	7316 / 384
Prior Transfer Date	Feb 25, 2013
Prior Transfer Doc	0000012882
Record Updated	Oct 29, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MOBILE AL
Property Address	946 NAVCO RD, MOBILE, AL 36605-2413
Transaction Type	Mortgage
Record Updated	Mar 14, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	946 NAVCO RD, MOBILE, AL 36605-2413

Mortgage

Document Number	0000010804
Date	Feb 28, 2023
Instrument	2023010804

Lender

Name	MIDFIRST BANK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	480 Months
Due	Feb 1, 2063

December 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MOBILE AL
Property Address	946 NAVCO RD, MOBILE, AL 36605-2413
Document Number	0000007398
Instrument Date	Dec 16, 2019
Transaction Type	Mortgage
Record Updated	Feb 27, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	946 NAVCO RD MOBILE AL 366052413, MOBILE, AL 36605-2413

Mortgage

Document Number	0000007398
Date	Feb 6, 2020
Instrument	7398

Lender

Name	MIDFIRST BK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Amount	Amount on Record
Term	360 Months
Due	Feb 5, 2050

Interest

Rate Type	Fixed Rate
Rate	3.87%

Tax Assessment & Valuation

The 2025 property tax bill for 946 Navco Rd was $817, up 6.8% from the year before.

Source: Mobile County assessment roll, as of September 15, 2026

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	$817.00 (+6.8%)	$6,400 (+7.56%) Land $800 Building $5,600	$64,000 (+7.56%) Land $8,000 Building $56,000
2024	$765.00 (+18.97%)	$5,950 (+19.24%) Land $800 Building $5,150	$59,500 (+19.24%) Land $8,000 Building $51,500
2023	$643.00	$4,990 Land $800 Building $4,190	$49,900 Land $8,000 Building $41,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 946 Navco Rd in Zone X, an area of minimal flood risk, though there have been 59 flood claims nearby since 1978.

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
Flood Insurance Cost	Premium on File median of 13 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	59 (1978–2019)
Claims Outside the SFHA	26 of 59
Most Recent Claim	Sep 2019 · other causes
Claims by Event	Hurricane Katrina, Aug 2005 · 17 claims Hurricane Georges, Sep 1998 · 4 claims Severe Storms, Flooding,high Winds, Assoc With Hurr Danny, Jul 1997 · 4 claims

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 946 Navco Rd is moderate, ranking above 56% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 56% of the US · above 71% of Alabama
Wildfire Likelihood	0.1% annual chance
Exposure	None beyond 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 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 332 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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