1200 Co Rd 191, Waterloo, AL 35677 Property Records

Lauderdale County property record for 1200 Co Rd 191, Waterloo, AL 35677

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,280 sqft · built 2013
Lot Size	38 acres (1,655,280 sqft)
Owner	Individual Name on File
Tax Bill	$843 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Apr 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-01-01-0-000-006-005`

Property Details

APN / Parcel Number

Primary APN	`08-01-01-0-000-006-005`
Alternative APNs	`081881` `81641` `81881`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,280 sqft Living Area
1st Floor Area	1,280 sqft
Utility Area	547 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	1,655,280 sqft (38 acres)
Utility Building	256 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	81881
Street Address	1200 COUNTY ROAD 191
City	WATERLOO
State	AL
Zip	35677-4163
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	38 AC/C IN SE/4 OF SEC 1 T1S R14W BEG @ A PT 106.2 N & 120.92 NW OF SE COR OF SEC 1 TH N 432.8 W 110 N 210 E 210 N 503 W 1980
Legal Range	14W
Legal Township	01S
Legal Section	01
Jurisdiction	LAUDERDALE AL
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1004
Census Tract	11300

Owner

1200 Co Rd 191 is owned and occupied by an individual who acquired it in May 2013.

Source: Lauderdale County records, as of November 24, 2025

Owner of Record	Individual Name on File
Mailing Address	1200 COUNTY ROAD 191, WATERLOO, AL 35677-4163
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 21, 2022	Deed of Trust, Mortgage · Conventional Mortgage BANK INDEPENDENT
Apr 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK INDEPENDENT

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	May 10, 2013
Transfer Doc	2013/22433
Record Updated	Jun 8, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAUDERDALE AL
Property Address	1200 COUNTY ROAD 191, WATERLOO, AL 35677-4163
Transaction Type	Mortgage
Record Updated	Jul 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2022/35097
Date	Jun 21, 2022
Book Page	2022/35097

Lender

Name	BANK INDEPENDENT
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 26, 2052

Interest

Rate Type	Fixed Rate

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAUDERDALE AL
Property Address	1200 COUNTY ROAD 191, WATERLOO, AL 35677-4163
Transaction Type	Mortgage
Record Updated	May 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021/24561
Date	Apr 20, 2021
Book Page	2021/24561

Lender

Name	BANK INDEPENDENT
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2051

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1200 Co Rd 191 was $843 with a homeowner's exemption, up 7.1% from the year before.

Source: Lauderdale County assessment roll, as of November 24, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$843.00 (+7.12%) Homeowner's exemption	$25,740 (+6.98%)	$265,460 (+10.51%) Land $133,800 Building $131,660
2024	$787.00 (-0.51%) Homeowner's exemption	$24,060 (+129.58%) Land $11,200 Building $12,860	$240,220 (+5.85%) Land $111,700 Building $128,520
2023	$791.00 (+62.09%) Homeowner's exemption	$10,480 (-25.57%) Land $10,480	$226,940 (+61.29%) Land $104,500 Building $122,440
2022	$488.00 Homeowner's exemption	$14,080	$140,700 Land $52,200 Building $88,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1200 Co Rd 191 in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2003.

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
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

Wildfire risk around 1200 Co Rd 191 is moderate, ranking above 40% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · lower than 66% of Alabama
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

No cell data coverage reported

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