950 McCay Ave, Mobile, AL 36609 Property Records

Mobile County property record for 950 McCay Ave, Mobile, AL 36609

Property Summary

Property Type	Duplex
Details	1 ba · 2,356 sqft · built 1981
Owner	Individual Name on Record
Last Sale	$140,000 (Aug 2020)
Tax Bill	$1,909 (2025)
Deeds & Mortgages	Sep 2018 Line of Credit Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R02280828200011504`

Property Details

APN / Parcel Number

Primary APN	`R02280828200011504`
Alternative APNs	`28 08 28 2 000 115.04X` `01737687` `1737687`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	2,356 sqft Living Area
1st Floor Area	1,178 sqft
Upper Floors Area	1,178 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1992
Exterior Material	Stucco
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Asphalt
Porch	Open Porch
Porch Area	294 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	1737687
Old Parcel Number	R02280828200011504
Street Address	950 MCCAY AVE
City	MOBILE
State	AL
Zip	36609-5177
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	LOT 1 BLK 51 MOBILE HEIGHTS DBK 138 P 118 LESS & EXC 5 FT WIDE STRIP ALG EXTREME ELY PT RESERVED FOR FUTURE WIDENING OF MCCAY
Legal Range	02W
Legal Township	04S
Legal Section	28
Legal Subdivision	MOBILE HEIGHTS
Legal Block	51
Legal Lot Number	1
Jurisdiction	MOBILE AL
Township / Civil Division	TANNER WILLIAMS
Census Block Group	3
Census Block	3015
Census Tract	3704

Owner

Source: Mobile County records, as of December 22, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	950 MCCAY AVE, MOBILE, AL 36609-5177
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 7, 2018	Deed of Trust, Mortgage · Line of Credit CENTURY BANK
Aug 13, 2020	Warranty Deed, Transfer · Conventional Mortgage GMFS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 13, 2020 · Amount on Record
Deed Sale	Aug 13, 2020 · Amount on Record
Prior Sale	May 27, 2016 · Amount on Record
Deed Document Number	2020048934
Record Updated	Jun 8, 2026

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MOBILE AL
Property Address	950 MCCAY AVE, MOBILE, AL 36609-5177
Transaction Type	Mortgage
Record Updated	Oct 20, 2022
Title Company	GUARANTEE TITLE COMAPNY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000052609
Date	Sep 7, 2018
Book Page	7678/1485
Instrument	2018052609

Lender

Name	CENTURY BANK
Type	Bank
Address	MOBILE, AL 36608

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	24 Months
Due	Aug 31, 2020

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MOBILE AL
Recording Date	Aug 13, 2020
Property Address	950 MCCAY AVE, MOBILE, AL 36609-5177
Document Number	0000048934
Map Reference	MB 138 PG 118
Instrument Date	Aug 12, 2020
Instrument	2020048934
Transaction Type	Transfer
Record Updated	Jul 15, 2022
Title Company	DST

Transaction

Amount	Amount Recorded
Downpayment	Downpayment 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	1555 DAWES RD, 1555, MOBILE, AL 36695-9147

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	950 MCCAY AVE, MOBILE, AL 36609-5177

Mortgage

Document Number	0000048935
Date	Aug 13, 2020
Instrument	2020048935

Lender

Name	GMFS LLC
Type	Subprime Lender

Agreement

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

Tax Assessment & Valuation

Source: Mobile County assessment roll, as of January 1, 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	$1,909.00	$14,960 (-) Land $2,710 Building $12,250	$149,600 (-) Land $27,100 Building $122,500
2024	$1,909.00 (+3.13%)	$14,960 (+3.17%) Land $2,710 Building $12,250	$149,600 (+3.17%) Land $27,100 Building $122,500
2023	$1,851.00	$14,500 Land $2,710 Building $11,790	$145,000 Land $27,100 Building $117,900

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

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

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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