963 McCay Ave, Mobile, AL 36609 Property Records

Mobile County property record for 963 McCay Ave, Mobile, AL 36609

Property Summary

Property Type	Duplex
Details	1 ba · 2,478 sqft · built 1980
Lot Size	0.166 acres (7,264 sqft)
Owner	2 Individual Names on Record
Last Sale	$225,900 (Jan 2024)
Tax Bill	$1,369 (2025)
Deeds & Mortgages	Jan 2024 Sale & Mortgage Dec 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R02280828200011411`

Property Details

APN / Parcel Number

Primary APN	`R02280828200011411`
Alternative APNs	`28 08 28 2 000 114.11X` `01700074` `1700074`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Units	8 Units
Stories	2 Stories
Building Area	2,478 sqft Living Area
1st Floor Area	1,245 sqft
Upper Floors Area	1,233 sqft
Utility Room	Utility Room
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1980
Effective Year Built	Effective 2011
Architectural Style	Duplex Single
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	7,264 sqft (0.166 acres)
Porch	Slab
Porch Area	123 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1700074
Street Address	963 MCCAY AVE
City	MOBILE
State	AL
Zip	36609-5178
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	LOT 12 EXC W 5 FT BLK 52 PINEHURST DELANY'S ADD TO SPRING HILL DBK 138/118-122 #SEC 28 T4S T2W #MP28 08 28 2 000
Legal Range	04S
Legal Township	04S
Legal Section	28
Legal Subdivision	SPRING HILL
Legal Block	52
Legal Lot Number	12
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	2 Individual Names on Record
Mailing Address	963 MCCAY AVE, MOBILE, AL 36609-5178
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 9, 2024	Warranty Deed, Transfer · FHA Mortgage JACKSON FLAGSTAR CENTRE OFFICE
Dec 13, 2017	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Mar 29, 2017	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 9, 2024 · Amount on Record
Deed Sale	Jan 9, 2024 · Amount on Record
Prior Sale	Mar 29, 2017 · Amount on Record
Deed Document Number	20241535
Prior Transfer Date	Mar 8, 2016
Prior Transfer Doc	0000012099
Record Updated	Oct 29, 2026

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MOBILE AL
Recording Date	Jan 9, 2024
Property Address	963 MCCAY AVE, MOBILE, AL 36609-5178
Document Number	0000001535
Instrument Date	Jan 8, 2024
Instrument	2024001535
Transaction Type	Transfer
Record Updated	Jan 24, 2024

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	963 MCCAY AVE, MOBILE, AL 36609-5178

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	963 MCCAY AVE, MOBILE, AL 36609-5178

Mortgage

Document Number	0000001536
Date	Jan 9, 2024
Instrument	2024001536

Lender

Name	JACKSON FLAGSTAR CENTRE OFFICE
Type	Bank

Agreement

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

Mortgage

Document Number	0000001536
Date	Jan 9, 2024
Instrument	2024001536

Lender

Name	JACKSON FLAGSTAR CENTRE OFFICE
Type	Bank
Address	5151 CORPORATE DR, TROY, MI 48098

Agreement

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

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MOBILE AL
Property Address	963 MCCAY AVE, MOBILE, AL 36609-5178
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000069160
Date	Dec 13, 2017
Book Page	7584/1136
Instrument	2017069160

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

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

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MOBILE AL
Recording Date	Mar 29, 2017
Property Address	963 MCCAY AVE, MOBILE, AL 36609-5178
Document Number	0000017265
Book / Page	007492 / 000322
Instrument Date	Jan 26, 2017
Instrument	17265
Transaction Type	Transfer
Record Updated	Feb 28, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$80.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	2030 VALLEJO ST #904 SAN FRANCISCO CA 941234856, 904, SAN FRANCISCO, CA 94123-4856

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	$1,369.00 (-26.99%) Homeowner's exemption	$22,440 (+52.76%) Land $2,710 Building $19,730	$224,400 (+52.76%) Land $27,100 Building $197,300
2024	$1,875.00 (+3.08%)	$14,690 (-48.46%) Land $2,710 Building $11,980	$146,900 (+3.09%) Land $27,100 Building $119,800
2023	$1,819.00	$28,500 Land $5,420 Building $23,080	$142,500 Land $27,100 Building $115,400

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 67% of the US · lower than 85% of Alabama
Wildfire Likelihood	0.04% 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 631 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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