970 Co Rd 3923, Arley, AL 35541 Property Records

Winston County property record for 970 Co Rd 3923, Arley, AL 35541

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,496 sqft · built 2016
Lot Size	0.6 acres (26,136 sqft)
Owner	2 Individual Names on File
Last Sale	$1,050,000 (Jan 2025)
Tax Bill	$3,030 (2026)
Deeds & Mortgages	Apr 2026 Line of Credit Sep 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`22369`

Property Details

APN / Parcel Number

Primary APN	`22369`
Alternative APN	`67 20 01 12 0 202 034.000`

Interior

Full Baths	2.5 Baths
Half Baths	3 Half Baths
Plumbing Fixtures	12 Plumbing Fixtures
Stories	1 Story
Building Area	3,496 sqft Living Area
1st Floor Area	2,090 sqft
Upper Floors Area	1,406 sqft
Basement Area	2,090 sqft
Finished Basement	1,848 sqft
Unfinished Basement	242 sqft
Flooring	Ceramic Tile

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	26,136 sqft (0.6 acres)
Lot Dimensions	323 ft deep x 164 ft wide
Porch	Patio
Porch Area	717 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	22369
Street Address	970 COUNTY ROAD 3923
City	ARLEY
State	AL
Zip	35541-2539
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM NW COR NE-SE S12 T12 R6 S 261.83 E 83.09 E 239.98 TO S ROW SLEEPY HOLLOW RD TH SELY 97.40 TO POB SELY 24.2 S 225 .3 TO 51
Legal Range	06W
Legal Township	12S
Legal Section	12
Legal Subdivision	CATHERINE VERA YOUNG
Jurisdiction	WINSTON AL
Township / Civil Division	ADDISON
Census Block Group	1
Census Block	1025
Census Tract	965503

Owner

970 Co Rd 3923 is owned by two individuals who bought it in January 2025.

Source: Winston County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	6804 LAURA BROOKE DR SE, OWENS CROSS ROADS, AL 35763-9192
Owner Type	Individual
Vesting	Remainderman

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2026	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Sep 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK
Jan 13, 2020	Warranty Deed, Transfer
Apr 16, 2019	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 22, 2025 · Amount on File
Deed Sale	Jan 22, 2025 · Amount on File
Prior Sale	Dec 30, 2024 · Amount on File
Deed Book / Page	2025 / 280
Prior Transfer Date	Apr 9, 2019
Prior Transfer Doc	335/820
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINSTON AL
Recording Date	Apr 28, 2026
Property Address	970 COUNTY ROAD 3923, ARLEY, AL 35541-2539
Document Number	2026003685
Book / Page	2026 / 3685
Instrument Date	Apr 24, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	970 COUNTY ROAD 3923, ARLEY, AL 35541-2539

Mortgage

Document Number	2026003685,
Date	Apr 28, 2026
Book Page	2026/3685

Lender

Name	FIGURE LENDING LLC

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	May 18, 2046

Interest

Rate	6.38%
Max Rate	-1%

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINSTON AL
Property Address	970 COUNTY ROAD 3923, ARLEY, AL 35541-2539
Transaction Type	Mortgage
Record Updated	Oct 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	672/698
Date	Sep 29, 2021
Book Page	672/698

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2051

Interest

Rate Type	Fixed Rate

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINSTON AL
Recording Date	Jan 13, 2020
Property Address	970 COUNTY ROAD 3923, ARLEY, AL 35541-2539
Document Number	340/645
Book / Page	340 / 645
Instrument Date	Nov 19, 2019
Transaction Type	Transfer
Record Updated	Jun 28, 2021

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2744 CHEROKEE RD, MOUNTAIN BRK, AL 35216-1039

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINSTON AL
Recording Date	Apr 16, 2019
Property Address	970 COUNTY ROAD 3923, ARLEY, AL 35541-2539
Document Number	335/820
Book / Page	335 / 820
Instrument Date	Apr 9, 2019
Transaction Type	Transfer
Record Updated	Jun 28, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	970 COUNTY ROAD 3923, ARLEY, AL 35541-2539

Tax Assessment & Valuation

The 2026 property tax bill for 970 Co Rd 3923 was $3,030, up 41.5% from the year before.

Source: Winston County assessment roll, as of January 15, 2026

Property Jurisdictions

Type	Name
State	Alabama
County	Winston County
Unified School District	Winston County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,030.00 (+41.46%)
2025	$2,142.00 (+6.99%)	$76,500 (+6.99%)	$778,000 (+8.81%) Land $168,900 Building $609,100
2024	$2,002.00 (+7.52%)	$71,500 (+7.52%)	$715,040 (+7.54%) Land $164,000 Building $551,040
2023	$1,862.00 (+13.54%)	$66,500 (+13.52%)	$664,920 (+13.51%) Land $164,000 Building $500,920
2022	$1,640.00	$58,580	$585,780 Land $164,000 Building $421,780

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

FEMA maps place 970 Co Rd 3923 in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 16, 2011 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	2 (2008–2021)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Apr 2021 · river or lake flooding

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

Wildfire risk around 970 Co Rd 3923 is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.8% of Alabama
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sprout Fiber Internet Fiber	2,000 / 2,000
Spectrum Fiber	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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