959 McCay Ave, Mobile, AL 36609 Property Records

Mobile County property record for 959 McCay Ave, Mobile, AL 36609

Property Summary

Property Type	Duplex
Details	3 bd · 2 ba · 2,304 sqft · built 1992
Lot Size	0.174 acres (7,596 sqft)
Owner	Company Name on Record
Last Sale	$102,350 (Oct 2025)
Tax Bill	$2,609 (2025)
Deeds & Mortgages	Oct 2025 Sale & Line of Credit Jan 2024 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R02280828200011402`

Property Details

APN / Parcel Number

Primary APN	`R02280828200011402`
Alternative APNs	`28 08 28 2 000 114.02X` `01465710` `1465710`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	5 Rooms
Units	6 Units
Stories	2 Stories
Building Area	2,304 sqft Living Area
1st Floor Area	1,152 sqft
Upper Floors Area	1,152 sqft
Utility Room	Utility Room
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2012
Architectural Style	Duplex Single
Exterior Material	Other
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	7,596 sqft (0.174 acres)
Porch	Slab
Porch Area	200 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1465710
Street Address	959 MCCAY AVE
City	MOBILE
State	AL
Zip	36609-5178
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	LOT 14 BLK 52 MOBILE HGTS FORMERLY PINEHURST DBK 138 P 118-121 #SEC 28 T4S R2W #MP28 08 28 2 000
Legal Range	04S
Legal Township	04S
Legal Section	28
Legal Subdivision	PINEHURST
Legal Block	52
Legal Lot Number	14
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 September 15, 2026

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

Owner of Record	Company Name on Record
Mailing Address	959 MCCAY AVE, MOBILE, AL 36609-5178
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Oct 8, 2025	Warranty Deed, Transfer · Line of Credit CHAMPIONS FUNDING LLC
Jan 22, 2024	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Dec 28, 2022	Deed, Transfer · Conventional Mortgage DRAPER & KRAMER MORTGAGE CORP
Sep 12, 2018	Warranty Deed, Transfer · Conventional Mortgage SIERRA PACIFIC MORTGAGE CO INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 8, 2025 · Amount on Record
Deed Sale	Oct 8, 2025 · Amount on Record
Prior Sale	Jan 22, 2024 · Amount on Record
Deed Document Number	202560999
Prior Transfer Date	Oct 7, 2025
Prior Transfer Doc	0000060999
Record Updated	Oct 29, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MOBILE AL
Recording Date	Oct 8, 2025
Property Address	959 MCCAY AVE, MOBILE, AL 36609-5178
Document Number	0000060999
Instrument Date	Oct 7, 2025
Instrument	2025060999
Transaction Type	Transfer
Record Updated	Oct 21, 2025
Title Company	DELTA S TITLE INC, DELTA SOUTH TITLE INC

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	407 LINCOLN RD # 315, 315, MIAMI BEACH, FL 33139-3020

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 LINCOLN RD # 6-315, 6-315, MIAMI BEACH, FL 33139-3020

Mortgage

Document Number	0000061000
Date	Oct 8, 2025
Instrument	2025061000

Lender

Name	CHAMPIONS FUNDING LLC
Type	Mortgage Company

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MOBILE AL
Recording Date	Jan 22, 2024
Property Address	959 MCCAY AVE, MOBILE, AL 36609-5178
Document Number	0000003408
Map Reference	MB 138 PGS 118
Instrument Date	Jan 10, 2024
Instrument	2024003408
Transaction Type	Transfer
Record Updated	Dec 23, 2025

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	24325 PERDIDO BEACH BLVD, ORANGE BEACH, AL 36561-6097

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	959 MCCAY AVE, MOBILE, AL 36609-5178

Mortgage

Document Number	0000003409
Date	Jan 22, 2024
Instrument	2024003409

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

December 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	MOBILE AL
Recording Date	Dec 28, 2022
Property Address	959 MCCAY AVE, MOBILE, AL 36609-5178
Document Number	0000078868
Map Reference	MB 138 PG 118-121
Instrument Date	Dec 2, 2022
Instrument	2022078868
Transaction Type	Transfer
Record Updated	Apr 30, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 51241, MOBILE, AL 36609

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	24325 PERDIDO BEACH BLVD, ORANGE BEACH, AL 36561-6097

Mortgage

Document Number	0000078869
Date	Dec 28, 2022
Instrument	2022078869

Lender

Name	DRAPER & KRAMER MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MOBILE AL
Recording Date	Sep 12, 2018
Property Address	959 MCCAY AVE, MOBILE, AL 36609-5178
Document Number	0000053493
Book / Page	7680 / 0849
Map Reference	MB 138 PG 118&121
Instrument Date	Sep 7, 2018
Instrument	2018053493
Transaction Type	Transfer
Record Updated	Sep 14, 2021
Title Company	SURETY LAND TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3353 ZEPHYR DR, 3353, MOBILE, AL 36695-4233

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	27493 PASEO LINDERO, SAN JUAN CAPISTRANO, CA 92675-5315

Mortgage

Document Number	0000053494
Date	Sep 12, 2018
Instrument	2018053494

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2048

Tax Assessment & Valuation

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	$2,609.00 (+3.24%)	$20,470 (+3.28%) Land $2,710 Building $17,760	$204,700 (+3.28%) Land $27,100 Building $177,600
2024	$2,527.00 (+37.34%)	$19,820 (-31.23%) Land $2,710 Building $17,110	$198,200 (+37.54%) Land $27,100 Building $171,100
2023	$1,840.00	$28,820 Land $5,420 Building $23,400	$144,100 Land $27,100 Building $117,000

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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