Lauderdale County property record for 976 Garrett Ln, Florence, AL 35634
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,880 sqft · built 2019 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $447,800 (Oct 2021) |
| Tax Bill | $1,418 (2025) |
| Deeds & Mortgages | Dec 2025 Sale Jun 2019 Mortgage + 6 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-06-14-0-001-028-013 |
| Primary APN | 15-06-14-0-001-028-013 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,880 sqft Living Area |
| 1st Floor Area | 1,880 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 9,583 sqft (0.22 acres) |
| Lot Dimensions | 140 ft deep x 70 ft wide |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 73288 |
|---|---|
| Street Address | 976 GARRETT LN |
| City | FLORENCE |
| State | AL |
| Zip | 35634-4276 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 70 X 140 ORCHARD MILLS PHASE I LOT 10 .22 AC/C SEC 14 T2S R11W PB 7 PG 166 |
| Legal Range | 11W |
| Legal Township | 02S |
| Legal Section | 14 |
| Legal Subdivision | ORCHARD MILLS PHASE I |
| Legal Phase | 1 |
| Legal Lot Number | 10 |
| Jurisdiction | LAUDERDALE AL |
| Township / Civil Division | FLORENCE |
| Census Block Group | 4 |
| Census Block | 4020 |
| Census Tract | 11502 |
976 Garrett Ln is owned and occupied by two individuals who bought it in October 2021.
Source: Lauderdale County records, as of June 9, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 976 GARRETT LN, FLORENCE, AL 35634-4276 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Al (and Others) |
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 |
|---|---|
| Dec 22, 2025 | Warranty Deed, Transfer |
| Jun 10, 2019 | Deed of Trust, Mortgage · Commercial Mortgage LISTERHILL CU |
| Aug 27, 2019 | Deed of Trust, Mortgage · Commercial Mortgage LISTERHILL CU |
| Dec 4, 2023 | Intrafamily Transfer, Transfer |
| Nov 1, 2019 | Deed of Trust, Mortgage · VA Mortgage FAIRWAY INDEPENDENT MTG CORP |
| Jan 8, 2021 | Intrafamily Transfer, Transfer · VA Mortgage MAGNOLIA BANK INC |
| Nov 1, 2019 | Survivorship Deed, Transfer · VA Mortgage FAIRWAY INDEPENDENT MTG CORP |
| Nov 1, 2019 | Survivorship Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 28, 2021 · Amount on File |
| Deed Sale | Oct 28, 2021 · Amount on File |
| Prior Sale | Jan 8, 2021 |
| Prior Transfer Date | Dec 29, 2020 |
| Prior Transfer Doc | 02021/1436 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAUDERDALE AL |
| Recording Date | Dec 22, 2025 |
| Property Address | 976 GARRETT LN, FLORENCE, AL 35634-4276 |
| Document Number | 2025/61971 |
| Book / Page | 2025 / 61971 |
| Map Reference | MB 7 PG 166 |
| Instrument Date | Oct 16, 2025 |
| Transaction Type | Transfer |
| Record Updated | Jan 14, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3800 COUNTY ROAD 24, FLORENCE, AL 35633-7426 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 976 GARRETT LN, FLORENCE, AL 35634-4276 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAUDERDALE AL |
| Property Address | 976 GARRETT LN, FLORENCE, AL 35634-4276 |
| Transaction Type | Mortgage |
| Record Updated | Dec 20, 2023 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 2019/23183 |
|---|---|
| Date | Jun 10, 2019 |
| Book Page | 2019/23183 |
| Name | LISTERHILL CU |
|---|---|
| Type | Credit Union |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAUDERDALE AL |
| Property Address | 976 GARRETT LN, FLORENCE, AL 35634-4276 |
| Transaction Type | Mortgage |
| Record Updated | Dec 20, 2023 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 2019/36365 |
|---|---|
| Date | Aug 27, 2019 |
| Book Page | 2019/36365 |
| Name | LISTERHILL CU |
|---|---|
| Type | Credit Union |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | LAUDERDALE AL |
| Recording Date | Dec 4, 2023 |
| Property Address | 976 GARRETT LN, FLORENCE, AL 35634-4276 |
| Document Number | 2023/50216 |
| Book / Page | 2023 / 50216 |
| Map Reference | MB 7 PG 166 |
| Instrument Date | Dec 4, 2023 |
| Transaction Type | Transfer |
| Record Updated | Dec 20, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 976 GARRETT LN, FLORENCE, AL 35634-4276 |
| Name | Verified Name |
|---|---|
| Address | 105 OLD ORCHARD RD, FLORENCE, AL 35634-6549 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAUDERDALE AL |
| Property Address | 976 GARRETT LN, FLORENCE, AL 35634-4276 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2019/47646 |
|---|---|
| Date | Nov 1, 2019 |
| Book Page | 2019/47646 |
| Name | FAIRWAY INDEPENDENT MTG CORP |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2049 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | LAUDERDALE AL |
| Recording Date | Jan 8, 2021 |
| Property Address | 976 GARRETT LN, FLORENCE, AL 35634-4276 |
| Document Number | 02021/1436 |
| Book / Page | 2021 / 1436 |
| Map Reference | MB 7 PG 166 |
| Instrument Date | Dec 29, 2020 |
| Transaction Type | Transfer |
| Record Updated | Dec 20, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 976 GARRETT LN, FLORENCE, AL 35634-4276 |
| Document Number | 202101440202101440 |
|---|---|
| Date | Jan 8, 2021 |
| Instrument | 2021/01440202101440 |
| Name | MAGNOLIA BANK INC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Survivorship Deed |
|---|---|
| Jurisdiction | LAUDERDALE AL |
| Recording Date | Nov 1, 2019 |
| Property Address | 976 GARRETT LN, FLORENCE, AL 35634-4276 |
| Document Number | 2019/47643 |
| Book / Page | 2019 / 47643 |
| Instrument Date | Oct 31, 2019 |
| Transaction Type | Transfer |
| Record Updated | Feb 6, 2021 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 150 HEATHROW DR, 150, FLORENCE, AL 35633 |
| Name | Verified Name |
|---|---|
| Address | 305 SHERBORNE CT, FLORENCE, AL 35633-4126 |
| Document Number | 2019/47646 |
|---|---|
| Date | Nov 1, 2019 |
| Book Page | 2019/47646 |
| Name | FAIRWAY INDEPENDENT MTG CORP |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2049 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Survivorship Deed |
|---|---|
| Jurisdiction | LAUDERDALE AL |
| Recording Date | Nov 1, 2019 |
| Property Address | 976 GARRETT LN, FLORENCE, AL 35634-4276 |
| Document Number | 2019/47643 |
| Book / Page | 2019 / 47643 |
| Instrument Date | Oct 31, 2019 |
| Transaction Type | Transfer |
| Record Updated | Dec 20, 2023 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 150 HEATHROW DR, FLORENCE, AL 35633-1570 |
| Name | Verified Name |
|---|---|
| Address | 305 SHERBORNE CT, FLORENCE, AL 35633-4126 |
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 976 Garrett Ln was $1,418 with exemptions applied.
Source: Lauderdale County assessment roll, as of November 24, 2025
| Type | Name |
|---|---|
| State | Alabama |
| County | Lauderdale County |
| Municipality | Florence City |
| Unified School District | Florence City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,418.00 Homeowner's exemption Senior Citizen's exemption | $34,120 | $341,260 Land $37,000 Building $304,260 |
| 2023 | $1,334.00 (+15.5%) Homeowner's exemption Senior Citizen's exemption | $3,300 (-88.19%) Land $3,300 | $321,360 (+15.1%) Land $33,000 Building $288,360 |
| 2022 | $1,155.00 Homeowner's exemption Senior Citizen's exemption | $27,940 | $279,200 Land $37,900 Building $241,300 |
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.
FEMA maps place 976 Garrett Ln 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 976 Garrett Ln is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 63% of the US · lower than 77% of Alabama |
|---|---|
| Wildfire Likelihood | 0.05% 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 44 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures