976 Morrow Ave, Elba, AL 36323 Property Records

Coffee County property record for 976 Morrow Ave, Elba, AL 36323

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,563 sqft · built 1955
Lot Size	0.46 acres (20,038 sqft)
Owner	Individual Name on Record
Last Sale	$26,500 (Oct 2020)
Deeds & Mortgages	Jul 2022 Mortgage Jun 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1103053003021000`

Property Details

APN / Parcel Number

Primary APN	`1103053003021000`
Alternative APNs	`616847` `9482`

Interior

Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,563 sqft Living Area
1st Floor Area	1,563 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Exterior Material	Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	20,038 sqft (0.46 acres)
Porch	Slab
Porch Area	30 sqft
Deck Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	616847
Street Address	976 MORROW AVE
City	ELBA
State	AL
Zip	36323-3210
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SW ADDN TO MORROW SUBD BLK A LOT 2
Legal Range	20E
Legal Township	5N
Legal Section	05
Legal Subdivision	MORROW
Legal Block	A
Legal Lot Number	2
Jurisdiction	COFFEE AL
Township / Civil Division	ELBA
Census Block Group	5
Census Block	5013
Census Tract	10500

Owner

Source: Coffee County records, as of April 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	976 MORROW AVE, ELBA, AL 36323-3210
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2022	Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK
Jun 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK
Oct 14, 2020	Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 14, 2020 · Amount on Record
Deed Sale	Oct 14, 2020 · Amount on Record
Deed Book / Page	197A / 330
Record Updated	Jun 8, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COFFEE AL
Property Address	976 MORROW AVE, ELBA, AL 36323-3210
Transaction Type	Mortgage
Record Updated	Jul 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00211A/791
Date	Jul 6, 2022
Book Page	211A/791

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	84 Months
Due	Jul 1, 2029

Interest

Rate Type	Fixed Rate

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COFFEE AL
Property Address	976 MORROW AVE, ELBA, AL 36323-3210
Transaction Type	Mortgage
Record Updated	Jul 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00203A/454
Date	Jun 29, 2021
Book Page	203A/454

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	84 Months
Due	Jul 1, 2028

Interest

Rate Type	Fixed Rate

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COFFEE AL
Recording Date	Oct 14, 2020
Property Address	976 MORROW AVE, ELBA, AL 36323-3210
Document Number	00197A/330
Book / Page	197A / 330
Map Reference	MB
Instrument Date	Sep 17, 2020
Transaction Type	Transfer
Record Updated	Jul 5, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 113, ELBA, AL 36323-0113

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	976 MORROW AVE, ELBA, AL 36323-3210

Mortgage

Document Number	000197A338
Date	Oct 14, 2020
Instrument	197A/338

Lender

Name	REGIONS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Coffee County assessment roll, as of April 21, 2026

Property Jurisdictions

Type	Name
State	Alabama
County	Coffee County
Municipality	Elba City
Unified School District	Elba City School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$8,040 (+8.94%) Land $555 Building $7,485	$80,330 (+9.13%) Land $5,550 Building $74,780
2023		$7,380 (-)	$73,610 (-) Land $5,000 Building $68,610
2022	Homeowner's exemption	$7,380	$73,610 Land $5,000 Building $68,610

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 July 10, 2016 · 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
Flood Insurance Cost	Premium on Record median of 17 policies
Nearby Flood Policies	17 in force
Nearby Flood Claims	69 (1990–2015)
Claims Outside the SFHA	66 of 69
Most Recent Claim	Dec 2015 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Dec 2015 · 6 claims Severe Storms And Flooding, Mar 1998 · 51 claims Severe Storms And Flooding (tropical Storm Alberto), Jul 1994 · 8 claims

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 80% of the US · lower than 91% of Alabama
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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 ELBA, THE WW AND EB OF THE serves 5,262 people · EPA ID AL0000295
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Carbon tetrachloride resolved · Oct 2023
Treatment and Procedure	None last 10 years
Monitoring and Reporting	5 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 131 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
C Spire Wireless Fiber · Cable in parts of the area	10,000 / 10,000
Brightspeed Fiber	2,000 / 2,000
BuzzBroadband Fiber	2,000 / 2,000

May also be available: Verizon.

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