964 McCay Ave, Mobile, AL 36609 Property Records

Mobile County property record for 964 McCay Ave, Mobile, AL 36609

Property Summary

Property Type	Duplex
Details	4 ba · 2,418 sqft · built 1992
Lot Size	0.168 acres (7,336 sqft)
Owner	Company Name on Record
Last Sale	$380,000 (Jul 2021)
Tax Bill	$1,859 (2025)
Deeds & Mortgages	May 2022 Line of Credit Jul 2021 Sale & Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R02280828200011505`

Property Details

APN / Parcel Number

Primary APN	`R02280828200011505`
Alternative APNs	`28 08 28 2 000 115.05X` `01830576` `1830576`

Interior

Full Baths	4 Baths
Half Baths	2 Half Baths
Units	12 Units
Stories	2 Stories
Building Area	2,418 sqft Living Area
1st Floor Area	1,209 sqft
Upper Floors Area	1,209 sqft
Utility Room	Utility Room
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Duplex Single
Exterior Material	Brick
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	7,336 sqft (0.168 acres)
Porch	Slab
Porch Area	294 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1830576
Street Address	964 MCCAY AVE
City	MOBILE
State	AL
Zip	36609-5177
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	LOT 8 BLK 51 MOBILE HEIGHTS (FORMERLY KNOWN AS PINEHURST DELANEYS ADD TO SPRING HILL) DBK 138 PG 118 #SEC 28 T4S R2W #MP28 08
Legal Range	04S
Legal Township	04S
Legal Section	28
Legal Subdivision	SPRING HILL
Legal Block	51
Legal Lot Number	8
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	957 SELMA ST, MOBILE, AL 36604-3152
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
May 27, 2022	Deed of Trust, Mortgage · Line of Credit RIVER BANK & TRUST
Jul 7, 2021	Warranty Deed, Transfer · Line of Credit RIVER BANK & TRUST
May 30, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 7, 2021 · Amount on Record
Deed Sale	Jul 7, 2021 · Amount on Record
Prior Sale	May 30, 2017 · Amount on Record
Deed Document Number	202143616
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MOBILE AL
Property Address	964 MCCAY AVE, MOBILE, AL 36609-5177
Transaction Type	Mortgage
Record Updated	Jun 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	196 CARAWAY, KYLE, TX 78640-5567

Mortgage

Document Number	0000037409
Date	May 27, 2022
Instrument	2022037409

Lender

Name	RIVER BANK & TRUST
Type	Bank
Address	MOBILE, AL 36608

Agreement

Type	Line of Credit
Amount	Amount Recorded

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MOBILE AL
Recording Date	Jul 7, 2021
Property Address	964 MCCAY AVE, MOBILE, AL 36609-5177
Document Number	0000043616
Map Reference	MB 138 PG 118-122
Instrument Date	Jun 30, 2021
Instrument	2021043616
Transaction Type	Transfer
Record Updated	Jun 29, 2023
Title Company	SECURITY LAND TITLE INC, SURETY LAND TITLE

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	11623 HELYEON LOOP, DAPHNE, AL 36526

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	957 SELMA ST, MOBILE, AL 36604-3152

Mortgage

Document Number	0000043617
Date	Jul 7, 2021
Instrument	2021043617

Lender

Name	RIVER BANK & TRUST
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MOBILE AL
Recording Date	May 30, 2017
Property Address	964 MCCAY AVE, MOBILE, AL 36609-5177
Document Number	0000029932
Book / Page	007514 / 000751
Instrument Date	May 24, 2017
Instrument	29932
Transaction Type	Transfer
Record Updated	Feb 28, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$112.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	11623 HALCYON LOOP DAPHNE AL 365268447, DAPHNE, AL 36526-8447

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	$1,859.00	$29,120 (-) Land $5,420 Building $23,700	$145,600 (-) Land $27,100 Building $118,500
2024	$1,859.00 (+3.11%)	$29,120 (+3.12%) Land $5,420 Building $23,700	$145,600 (+3.12%) Land $27,100 Building $118,500
2023	$1,803.00 (+6.25%)	$28,240 (+6.25%) Land $5,420 Building $22,820	$141,200 (+6.25%) Land $27,100 Building $114,100
2022	$1,697.00	$26,580 Land $5,420 Building $21,160	$132,900 Land $27,100 Building $105,800

Assessed value is set for property tax purposes, not a market price estimate; it is 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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