97 Jay Dr, Madison, AL 35758 Property Records

Madison County property record for 97 Jay Dr, Madison, AL 35758

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,916 sqft · built 1991
Lot Size	0.546 acres (23,784 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,818 (2026)
Deeds & Mortgages	Oct 2017 Mortgage Feb 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-08-33-2-002-050.000`

Property Details

APN / Parcel Number

Primary APN	`15-08-33-2-002-050.000`
Alternative APN	`465097`

Interior

Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,916 sqft Living Area
1st Floor Area	1,916 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 2002
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Brick
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	23,784 sqft (0.546 acres)
Lot Dimensions	238 ft deep x 100 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	465097
Street Address	97 JAY DR
City	MADISON
State	AL
Zip	35758-7639
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 BLK 3 SILVER CREEK PHASE I A R/S OF TR 2 OF R/S OF LOT 1 OF WHITE ESTATES S/D 2ND ADD PB 16 PG 75
Legal Range	02W
Legal Township	03S
Legal Section	33
Legal Subdivision	SILVER CREEK
Legal Phase	1
Legal Tract	2
Legal Block	3
Legal Lot Number	2
Jurisdiction	MADISON AL
Township / Civil Division	MADISON
Census Block Group	2
Census Block	2011
Census Tract	11023

Owner

Source: Madison County records, as of October 20, 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	97 JAY DR, MADISON, AL 35758-7639
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 4, 2017	Deed of Trust, Mortgage · Conventional Mortgage DITECH FINANCIAL LLC
Feb 28, 2018	Warranty Deed, Transfer · VA Mortgage CADENCE BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON AL
Property Address	97 JAY DR, MADISON, AL 35758-7639
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE INSURAN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000583300
Date	Oct 4, 2017
Instrument	20171004000583300

Lender

Name	DITECH FINANCIAL LLC
Type	Mortgage Company
Address	TAMPA, FL 33607

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2047

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON AL
Recording Date	Feb 28, 2018
Property Address	97 JAY DR, MADISON, AL 35758-7639
Document Number	0000011838
Instrument Date	Feb 26, 2018
Instrument	11838
Transaction Type	Transfer
Record Updated	Mar 8, 2018
Title Company	VALLEY TITLE AND CLOSING SERVICES

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$269.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	97 JAY DR MADISON AL 357587639, MADISON, AL 35758-7639

Mortgage

Document Number	11839
Date	Feb 28, 2018
Instrument	11839

Lender

Name	CADENCE BK
Type	Bank
Address	BIRMINGHAM, AL 35243

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 27, 2048

Tax Assessment & Valuation

Source: Madison County assessment roll, as of November 17, 2025

Property Jurisdictions

Type	Name
State	Alabama
County	Madison County
Municipality	Madison City
Unified School District	Madison City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,818.00 (+2.06%)
2025	$2,761.00 (-2.51%) Homeowner's exemption	$40,280 (-2.47%) Land $5,800 Building $34,480	$402,700 (-2.47%) Land $58,000 Building $344,700
2023	$2,832.00 (+9.3%) Homeowner's exemption	$41,300 (+9.14%) Land $5,800 Building $35,500	$412,900 (+9.15%) Land $58,000 Building $354,900
2022	$2,591.00 Homeowner's exemption	$37,840 Land $5,800 Building $32,040	$378,300 Land $58,000 Building $320,300

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 September 16, 2026 · 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
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2015)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Dec 2015 · rainfall accumulation

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	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 286 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
WOW Internet, Cable & Phone Cable	1,200 / 50
Verizon Fixed Wireless	300 / 20

May also be available: Xfinity.

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