Lauderdale County property record for 1130 Co Rd 90, Waterloo, AL 35677
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 864 sqft · built 1965 |
| Lot Size | 2.25 acres (98,010 sqft) |
| Owner | Individual Name on File |
| Last Sale | $215,000 (Jul 2016) |
| Tax Bill | $826 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-09-30-0-001-025-000 |
| Primary APN | 08-09-30-0-001-025-000 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 864 sqft Living Area |
| 1st Floor Area | 864 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 98,010 sqft (2.25 acres) |
| Lot Dimensions | 410 ft deep x 230 ft wide |
| View / Lot | Waterfront |
| Garage Type | Mixed |
| Garage Area | 1,210 sqft |
| Parking Spaces | 5 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 89181 |
|---|---|
| Street Address | 1130 COUNTY ROAD 90 |
| City | WATERLOO |
| State | AL |
| Zip | 35677-3137 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 310 X 410 IRR SECOND CREEK CABIN SITE AREA SD LOT 35 2.25 AC/D 1.9 AC/C SEC 30 T1S R14W PB 2 PG 120 |
| Legal Range | 14W |
| Legal Township | 01S |
| Legal Section | 30 |
| Legal Subdivision | SECOND CREEK CABIN SITE AREA |
| Legal Lot Number | 35 |
| Jurisdiction | LAUDERDALE AL |
| Township / Civil Division | WATERLOO |
| Census Block Group | 1 |
| Census Block | 1089 |
| Census Tract | 11300 |
1130 Co Rd 90 is owned and occupied by an individual who bought it in July 2016.
Source: Lauderdale County records, as of November 25, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1130 COUNTY ROAD 90, WATERLOO, AL 35677-3137 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 20, 2016 · Amount on File |
| Deed Sale | Jul 20, 2016 · Amount on File |
| Deed Book / Page | 2016 / 32097 |
| Prior Transfer Date | Jul 19, 2016 |
| Prior Transfer Doc | 2016/32097 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAUDERDALE AL |
| Property Address | 1130 COUNTY ROAD 90, WATERLOO, AL 35677-3137 |
| Transaction Type | Mortgage |
| Record Updated | Sep 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2021/54284 |
|---|---|
| Date | Aug 31, 2021 |
| Book Page | 2021/54284 |
| Name | FIRST SOUTHERN BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Sep 1, 2036 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 1130 Co Rd 90 was $826 with a homeowner's exemption.
Source: Lauderdale County assessment roll, as of November 24, 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 | $826.00 Homeowner's exemption | $23,820 (-) | $238,000 (-) Land $141,400 Building $96,600 |
| 2024 | $826.00 Homeowner's exemption | $23,820 (+68.22%) Land $14,160 Building $9,660 | $238,000 (-) Land $141,400 Building $96,600 |
| 2023 | $826.00 (+22.92%) Homeowner's exemption | $14,160 (-27.16%) Land $14,160 | $238,000 (+22.49%) Land $141,400 Building $96,600 |
| 2022 | $672.00 Homeowner's exemption | $19,440 | $194,300 Land $126,300 Building $68,000 |
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 1130 Co Rd 90 in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (2003) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | May 2003 · Severe Storms, Tornadoes, And 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 risk around 1130 Co Rd 90 is moderate, ranking above 42% of the US, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 42% of the US · above 43% 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: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber | 1,000 / 1,000 |
4G LTE (outdoors only), no 5G reported
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