Lauderdale County property record for 1144 Co Rd 90, Waterloo, AL 35677
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 3,265 sqft · built 1958 |
| Lot Size | 0.36 acres (15,682 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,091 (2025) |
| Deeds & Mortgages | Jun 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-09-30-0-001-026-000 |
| Primary APN | 08-09-30-0-001-026-000 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 3,265 sqft Living Area |
| 1st Floor Area | 1,622 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1958 |
|---|---|
| Exterior Material | Vinyl |
| Foundation Type | Retaining Wall |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 15,682 sqft (0.36 acres) |
| Lot Dimensions | 290 ft deep x 235 ft wide |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 75617 |
|---|---|
| Street Address | 1144 COUNTY ROAD 90 |
| City | WATERLOO |
| State | AL |
| Zip | 35677-3137 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 01 |
| Legal Description | 290WF X 290 IRR SECOND CRK CABIN SITE AREA SD LOT 36 1 AC/C |
| Legal Range | 14W |
| Legal Township | 01S |
| Legal Section | 30 |
| Legal Subdivision | SECOND CREEK CABIN SITE AREA |
| Legal Lot Number | 36 1 |
| Jurisdiction | LAUDERDALE AL |
| Township / Civil Division | WATERLOO |
| Census Block Group | 1 |
| Census Block | 1089 |
| Census Tract | 11300 |
1144 Co Rd 90 is owned and occupied by two individuals.
Source: Lauderdale County records, as of November 21, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1144 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 |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAUDERDALE AL |
| Property Address | 1144 COUNTY ROAD 90, WATERLOO, AL 35677-3137 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2020/24675 |
|---|---|
| Date | Jun 2, 2020 |
| Book Page | 2020/24675 |
| Name | BBVA USA |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | May 19, 2045 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 1144 Co Rd 90 was $1,091 with a homeowner's exemption.
Source: Lauderdale County assessment roll, as of January 1, 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 | $1,091.00 Homeowner's exemption | $32,820 (-) | $327,940 (-) Land $133,000 Building $194,940 |
| 2024 | $1,091.00 (-4.38%) Homeowner's exemption | $32,820 (+146.4%) Land $13,320 Building $19,500 | $327,940 (-) Land $133,000 Building $194,940 |
| 2023 | $1,141.00 (+83.74%) Homeowner's exemption | $13,320 (-25.84%) Land $13,320 | $327,940 (+82.7%) Land $133,000 Building $194,940 |
| 2022 | $621.00 Homeowner's exemption | $17,960 | $179,500 Land $118,800 Building $60,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1144 Co Rd 90 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 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 100 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 1144 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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