109 Willow Rd, Florence, AL 35633 Property Records

Lauderdale County property record for 109 Willow Rd, Florence, AL 35633

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,985 sqft · built 1986
Lot Size	0.33 acres (14,375 sqft)
Owner	Individual Name on Record
Last Sale	$229,900 (Mar 2023)
Tax Bill	$2,099 (2023)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Dec 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-05-15-0-004-233-000`

Property Details

APN / Parcel Number

Primary APN	`15-05-15-0-004-233-000`
Alternative APNs	`074527` `105138` `32118` `74527`

Interior

Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,985 sqft Living Area
1st Floor Area	1,559 sqft
2nd Floor Area	426 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Exterior Material	Brick
Foundation Type	Retaining Wall
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	14,375 sqft (0.33 acres)
Lot Dimensions	150 ft deep x 97 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	105138
Street Address	109 WILLOW RD
City	FLORENCE
State	AL
Zip	35633-1017
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02
Legal Description	97 X 150 OAKHILL S/D BLK 14 LOT 12 PB 5 PG 19 SEC 15 T2S R11W .33 AC/C
Legal Range	11W
Legal Township	02S
Legal Section	15
Legal Subdivision	OAK HILL
Legal Block	14
Legal Lot Number	12
Jurisdiction	LAUDERDALE AL
Township / Civil Division	FLORENCE
Census Block Group	1
Census Block	1019
Census Tract	11101

Owner

Source: Lauderdale County records, as of November 21, 2025

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	109 WILLOW RD, FLORENCE, AL 35633-1017
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 2, 2023	Warranty Deed, Transfer · Conventional Mortgage ALCOVA MORTGAGE LLC
Dec 16, 2022	Warranty Deed, Transfer · Commercial Mortgage ALABAMA CENTRAL CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 2, 2023 · Amount on Record
Deed Sale	Mar 2, 2023 · Amount on Record
Prior Sale	Dec 16, 2022 · Amount on Record
Deed Document Number	0020237890
Deed Book / Page	2023 / 7890
Record Updated	Jun 8, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAUDERDALE AL
Recording Date	Mar 2, 2023
Property Address	109 WILLOW RD, FLORENCE, AL 35633-1017
Document Number	02023/7890
Book / Page	2023 / 7890
Map Reference	MB 5 PG 19-19A
Instrument Date	Feb 28, 2023
Transaction Type	Transfer
Record Updated	Mar 15, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	416 N COURT ST, FLORENCE, AL 35630-6427

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 WILLOW RD, FLORENCE, AL 35633-1017

Mortgage

Document Number	0202307892
Date	Mar 2, 2023
Instrument	2023/07892

Lender

Name	ALCOVA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2053

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAUDERDALE AL
Recording Date	Dec 16, 2022
Property Address	109 WILLOW RD, FLORENCE, AL 35633-1017
Document Number	2022/64489
Book / Page	2022 / 64489
Map Reference	MB 5 PG 19-19A
Instrument Date	Dec 14, 2022
Transaction Type	Transfer
Record Updated	Jan 4, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	116 EAST DR MOBILE ST200, ST200, FLORENCE, AL 35634-2630

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	416 N COURT ST, FLORENCE, AL 35630-6427

Mortgage

Document Number	0202264491
Date	Dec 16, 2022
Instrument	2022-64491

Lender

Name	ALABAMA CENTRAL CU
Type	Credit Union

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Dec 14, 2042

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Lauderdale County assessment roll, as of January 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	Homeowner's exemption	$24,920 (+688.61%)	$249,040 (+16.27%) Land $18,900 Building $230,140
2023	$2,099.00 (+17.39%)	$3,160 (-91.34%) Land $3,160	$214,200 (+17.37%) Land $15,800 Building $198,400
2022	$1,788.00	$36,500	$182,500 Land $17,000 Building $165,500

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 August 1, 2018

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 118 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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