Lauderdale County property record for 970 Co Rd 28, Florence, AL 35634
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,410 sqft · built 1978 |
| Lot Size | 4 acres (174,240 sqft) |
| Owner | Individual Name on File |
| Last Sale | $125,000 (Jul 2018) |
| Tax Bill | $827 (2025) |
| Deeds & Mortgages | Mar 2026 Line of Credit Jul 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-01-12-0-000-025-002 |
| Primary APN | 15-01-12-0-000-025-002 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,410 sqft Living Area |
| 1st Floor Area | 1,410 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Exterior Material | Stucco |
| Foundation Type | Retaining Wall |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 174,240 sqft (4 acres) |
| Lot Dimensions | 558 ft deep x 371 ft wide |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 92124 |
|---|---|
| Street Address | 970 COUNTY ROAD 28 |
| City | FLORENCE |
| State | AL |
| Zip | 35634-6340 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 01 |
| Legal Description | 371.10 X 558.11 (519S) IRR 4.41 AC/C IN THE SW/4 SEC 12 T2S R11W BEG 755 N & 260.05 E OF SW COR OF SEC TH E 370.95 N 558.11 W |
| Legal Range | 11W |
| Legal Township | 02S |
| Legal Section | 12 |
| Jurisdiction | LAUDERDALE AL |
| Township / Civil Division | FLORENCE |
| Census Block Group | 4 |
| Census Block | 4017 |
| Census Tract | 11502 |
970 Co Rd 28 is owned and occupied by an individual who bought it in July 2018.
Source: Lauderdale County records, as of November 21, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 970 COUNTY ROAD 28, FLORENCE, AL 35634-6340 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 10, 2026 | Deed of Trust, Mortgage · Line of Credit ALABAMA CU ISAOA |
| Jul 13, 2018 | Deed of Trust, Mortgage · ARM ALABAMA CENTRAL CU |
| Jul 13, 2018 | Warranty Deed, Transfer · ARM ALABAMA CENTRAL CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 13, 2018 · Amount on File |
| Deed Sale | Jul 13, 2018 · Amount on File |
| Deed Document Number | 0201829522 |
| Deed Book / Page | 2018 / 29522 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAUDERDALE AL |
| Property Address | 970 COUNTY ROAD 28, FLORENCE, AL 35634-6340 |
| Transaction Type | Mortgage |
| Record Updated | Apr 1, 2026 |
| Name | Verified Name |
|---|
| Document Number | 2026/11113 |
|---|---|
| Date | Mar 10, 2026 |
| Book Page | 2026/11113 |
| Name | ALABAMA CU ISAOA |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Mar 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAUDERDALE AL |
| Property Address | 970 COUNTY ROAD 28, FLORENCE, AL 35634-6340 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2018/29524 |
|---|---|
| Date | Jul 13, 2018 |
| Book Page | 2018/29524 |
| Name | ALABAMA CENTRAL CU |
|---|---|
| Type | Credit Union |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 15, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jul 15, 2023 |
| Change Frequency | Annually |
| Min Rate At Change | 5.25% |
| Max Rate At Change | 7.25% |
| Index | 1-Year CMT |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAUDERDALE AL |
| Recording Date | Jul 13, 2018 |
| Property Address | 970 COUNTY ROAD 28, FLORENCE, AL 35634-6340 |
| Document Number | 2018/29522 |
| Book / Page | 2018 / 29522 |
| Instrument Date | Jul 12, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 18, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 970 COUNTY ROAD 28, FLORENCE, AL 35634-6340 |
| Document Number | 2018/29524 |
|---|---|
| Date | Jul 13, 2018 |
| Book Page | 2018/29524 |
| Name | ALABAMA CENTRAL CU |
|---|---|
| Type | Credit Union |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 15, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jul 15, 2023 |
| Change Frequency | Annually |
| Min Rate At Change | 5.25% |
| Max Rate At Change | 7.25% |
| Index | 1-Year CMT |
The 2025 property tax bill for 970 Co Rd 28 was $827 with a homeowner's exemption, up 2.9% from the year before.
Source: Lauderdale County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | Alabama |
| County | Lauderdale County |
| Unified School District | Lauderdale County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $827.00 (+2.86%) Homeowner's exemption | $25,280 (+2.68%) | $252,560 (+2.61%) Land $69,800 Building $182,760 |
| 2024 | $804.00 (+0.5%) Homeowner's exemption | $24,620 (+294.55%) Land $6,800 Building $17,820 | $246,140 (+6.79%) Land $67,900 Building $178,240 |
| 2023 | $800.00 (+29.24%) Homeowner's exemption | $6,240 (-65.18%) Land $6,240 | $230,500 (+28.77%) Land $62,300 Building $168,200 |
| 2022 | $619.00 Homeowner's exemption | $17,920 | $179,000 Land $48,300 Building $130,700 |
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.
FEMA maps place 970 Co Rd 28 in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective August 1, 2018 · 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 | 1 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 risk around 970 Co Rd 28 is low, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · lower than 76% of Alabama |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF FLORENCE WATER DEPARTMENT serves 77,766 people · EPA ID AL0000783 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | May 2023 |
| Lead | 3 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 24 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
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