122 McRainey Loop, Andalusia, AL 36420 Property Records

Covington County property record for 122 McRainey Loop, Andalusia, AL 36420

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,630 sqft · built 1930
Lot Size	0.317 acres (13,832 sqft)
Owner	Company Name on File
Last Sale	$175,000 (Aug 2022)
Tax Bill	$1,169 (2025)
Deeds & Mortgages	Dec 2019 Mortgage Jun 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`23-13-04-17-4-006-004.000`

Property Details

APN / Parcel Number

Primary APN	`23-13-04-17-4-006-004.000`
Alternative APNs	`13041740060040000` `1304174006004000` `23382410` `23326870`

Interior

Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,630 sqft Living Area
1st Floor Area	1,630 sqft
Flooring	Ceramic Tile
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Exterior Material	Other
Construction Type	Wood
Foundation Type	Brick
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	13,832 sqft (0.317 acres)
Lot Dimensions	182 ft deep x 76 ft wide
Porch	Patio
Utility Building	200 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	23326870
Street Address	122 MCRAINEY LOOP
City	ANDALUSIA
State	AL
Zip	36420-3413
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DB/PG>2022/19305 8/26/2022 LOT 7 BLK B HARTWOOD SUB PB 2 PG 6 SEC 17 T4N R16E
Legal Range	16E
Legal Township	04N
Legal Section	17
Legal Subdivision	HARTWOOD
Legal Block	B
Legal Lot Number	7
Jurisdiction	COVINGTON AL
Township / Civil Division	ANDALUSIA
Census Block Group	3
Census Block	3037
Census Tract	962000

Owner

122 McRainey Loop is owned by a company that bought it in August 2022.

Source: Covington County records, as of October 9, 2026

Owner of Record	Company Name on File
Mailing Address	105 WILLOW DR, ANDALUSIA, AL 36421-9789
Owner Type	Company
Vesting	Company

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
Dec 3, 2019	Deed of Trust, Mortgage · Commercial Mortgage CCB COMMUNITY BANK
Jun 17, 2021	Deed of Trust, Mortgage CCB COMMUNITY BANK
Aug 26, 2022	Warranty Deed, Transfer · Commercial Mortgage THE CITIZENS BANK
Jun 24, 2019	Warranty Deed, Transfer · Line of Credit CCB COMMUNITY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 26, 2022 · Amount on File
Deed Sale	Aug 26, 2022 · Amount on File
Prior Sale	Dec 1, 2021 · Amount on File
Deed Book / Page	2022 / 19305
Record Updated	Oct 29, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COVINGTON AL
Property Address	122 MCRAINEY LOOP, ANDALUSIA, AL 36420-3413
Transaction Type	Mortgage
Record Updated	Oct 20, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019/20901
Date	Dec 3, 2019
Book Page	2019/20901

Lender

Name	CCB COMMUNITY BANK
Type	Bank
Address	OPP, AL 36467

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COVINGTON AL
Property Address	122 MCRAINEY LOOP, ANDALUSIA, AL 36420-3413
Transaction Type	Mortgage
Record Updated	Oct 20, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	122 MCRAINEY LOOP, ANDALUSIA, AL 36420-3413

Mortgage

Document Number	2021/14209
Date	Jun 17, 2021
Book Page	2021/14209

Lender

Name	CCB COMMUNITY BANK
Type	Bank
Address	OPP, AL 36467

Agreement

Amount	Amount on Record

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COVINGTON AL
Recording Date	Aug 26, 2022
Property Address	122 MCRAINEY LOOP, ANDALUSIA, AL 36420-3413
Document Number	2022/19305
Book / Page	2022 / 19305
Map Reference	MB 2 PG 6
Instrument Date	Aug 26, 2022
Transaction Type	Transfer
Record Updated	Sep 29, 2022

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	122 MCRAINEY LOOP, 122, ANDALUSIA, AL 36420-3413

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 WILLOW DR, ANDALUSIA, AL 36421-9789

Mortgage

Document Number	0202219307
Date	Aug 26, 2022
Instrument	2022/19307

Lender

Name	THE CITIZENS BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	63 Months
Due	Nov 1, 2027

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COVINGTON AL
Recording Date	Jun 24, 2019
Property Address	122 MCRAINEY LOOP, ANDALUSIA, AL 36420-3413
Document Number	2019/10866
Book / Page	2019 / 10866
Map Reference	MB 2 PG 6
Instrument Date	Jun 11, 2019
Transaction Type	Transfer
Record Updated	Jul 15, 2022

Transaction

Amount	Amount 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	702 WILSON ST, 702, OPP, AL 36467-1806

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	122 MCRAINEY LOOP, ANDALUSIA, AL 36420-3413

Mortgage

Document Number	0201910869
Date	Jun 24, 2019
Instrument	2019/10869

Lender

Name	CCB COMMUNITY BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 122 McRainey Loop was $1,169, up 7.1% 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	$1,169.00 (+7.05%)	$30,564 (+9.08%) Land $1,560 Building $29,004	$152,820 (+9.06%) Land $7,800 Building $145,020
2024	$1,092.00 (+6.33%)	$28,020 (+6.39%) Land $1,560 Building $26,460	$140,120 (+6.41%) Land $7,800 Building $132,320
2023	$1,027.00 (+241.2%)	$26,336 (+194.98%) Land $1,560 Building $24,776	$131,680 (+47.49%) Land $7,800 Building $123,880
2022	$301.00 Homeowner's exemption	$8,928 Land $780 Building $8,148	$89,280 Land $7,800 Building $81,480

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

FEMA maps place 122 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 122 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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