119 McRainey Loop, Andalusia, AL 36420 Property Records

Covington County property record for 119 McRainey Loop, Andalusia, AL 36420

Property Summary

Property Type	Single Family Home
Details	5.5 ba · 2,875 sqft · built 1950
Lot Size	0.63 acres (27,450 sqft)
Owner	2 Individual Names on File
Last Sale	$322,000 (Jan 2026)
Tax Bill	$2,360 (2025)
Deeds & Mortgages	Jan 2026 Sale & Mortgage Aug 2021 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`23-13-04-17-4-001-021.000`

Property Details

APN / Parcel Number

Primary APN	`23-13-04-17-4-001-021.000`
Alternative APNs	`13041740010210000` `1304174001021000` `23419219`

Interior

Full Baths	5.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,875 sqft Living Area
1st Floor Area	2,875 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 2023
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	27,450 sqft (0.63 acres)
Lot Dimensions	150 ft deep x 150 ft wide
Garage Type	Mixed
Garage Area	396 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio
Utility Building	96 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	23419219
Street Address	119 MCRAINEY LOOP
City	ANDALUSIA
State	AL
Zip	36420-3451
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DB/PG>2021/18556 8/3/2021 LOT 17 AND 18 MCARTAN ADD SEC 17 T4N R16EPB 2 PG 34
Legal Range	16E
Legal Township	04N
Legal Section	17
Legal Subdivision	MCARTAN ADD
Legal Lot Number	17-18
Jurisdiction	COVINGTON AL
Township / Civil Division	ANDALUSIA
Census Block Group	3
Census Block	3036
Census Tract	962000

Owner

119 McRainey Loop is owned and occupied by two individuals who bought it in January 2026.

Source: Covington County records, as of June 18, 2026

Owner of Record	2 Individual Names on File
Mailing Address	119 MCRAINEY LOOP, ANDALUSIA, AL 36420-3451
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2026	Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP
Aug 6, 2021	Warranty Deed, Transfer · Line of Credit CCB COMMUNITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 27, 2026 · Amount on File
Deed Sale	Jan 27, 2026 · Amount on File
Prior Sale	Aug 6, 2021 · Amount on File
Deed Book / Page	2026 / 1361
Prior Transfer Date	Mar 25, 2010
Prior Transfer Doc	02010/3438
Record Updated	Sep 20, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COVINGTON AL
Recording Date	Jan 27, 2026
Property Address	119 MCRAINEY LOOP, ANDALUSIA, AL 36420-3451
Document Number	02026/1361
Book / Page	2026 / 1361
Map Reference	MB 2 PG 34
Instrument Date	Jan 27, 2026
Transaction Type	Transfer
Record Updated	Feb 13, 2026

Transaction

Amount	Amount on Record
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	31440 GOOD NEWS CHAPEL RD, DOZIER, AL 36028-7243

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	201 SANFORD RD, ANDALUSIA, AL 36420-4113

Mortgage

Document Number	0020261364
Date	Jan 27, 2026
Instrument	2026/1364

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COVINGTON AL
Recording Date	Aug 6, 2021
Property Address	119 MCRAINEY LOOP, ANDALUSIA, AL 36420-3451
Document Number	2021/18556
Book / Page	2021 / 18556
Map Reference	MB 2 PG 34
Instrument Date	Aug 3, 2021
Transaction Type	Transfer
Record Updated	Jun 29, 2023

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31440 GOOD NEWS CHAPEL RD, DOZIER, AL 36028-7243

Mortgage

Document Number	2021/18559
Date	Aug 6, 2021
Book Page	2021/18559

Lender

Name	CCB COMMUNITY BANK
Type	Bank
Address	ANDALUSIA, AL 36420

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 119 McRainey Loop was $2,360, up 6.4% from the year before.

Source: Covington County assessment roll, as of June 18, 2026

Property Jurisdictions

Type	Name
State	Alabama
Municipality	Andalusia City
County	Covington County
Unified School District	Andalusia City School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,360.00 (+6.4%)	$60,528 (+6.41%) Land $4,640 Building $55,888	$302,640 (+6.4%) Land $23,200 Building $279,440
2024	$2,218.00 (+70.75%)	$56,880 (+70.69%) Land $4,640 Building $52,240	$284,440 (+70.71%) Land $23,200 Building $261,240
2023	$1,299.00 (+13.45%)	$33,324 (+13.44%) Land $4,640 Building $28,684	$166,620 (+13.44%) Land $23,200 Building $143,420
2022	$1,145.00	$29,376 Land $4,640 Building $24,736	$146,880 Land $23,200 Building $123,680

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 119 McRainey Loop in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1984.

Source: FEMA National Flood Hazard Layer, effective November 4, 2009 · 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 Claims	2 (1984–1998)
Most Recent Claim	Mar 1998 · Severe Storms 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

Wildfire risk around 119 McRainey Loop is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · lower than 80% of Alabama
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	ANDALUSIA, UTILITIES BOARD OF serves 15,251 people · EPA ID AL0000356
Water Source	Groundwater
Last State Inspection	Dec 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	None 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 202 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: BuzzBroadband, C Spire Wireless.

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