124 McRainey Loop, Andalusia, AL 36420 Property Records

Covington County property record for 124 McRainey Loop, Andalusia, AL 36420

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,708 sqft · built 1920
Lot Size	0.301 acres (13,148 sqft)
Owner	Individual Name on Record
Last Sale	$200,000 (Jan 2026)
Deeds & Mortgages	Jan 2026 Sale & Mortgage Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`23-13-04-17-4-006-003.000`

Property Details

APN / Parcel Number

Primary APN	`23-13-04-17-4-006-003.000`
Alternative APNs	`13041740060030000` `1304174006003000` `23419831` `23425407`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,708 sqft Living Area
1st Floor Area	1,708 sqft
Flooring	Hardwood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1957
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,148 sqft (0.301 acres)
Lot Dimensions	173 ft deep x 76 ft wide
Garage Type	Carport
Garage Area	192 sqft
Carport	Carport
Carport Area	192 sqft
Porch	Slab
Utility Building	81 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	23425407
Street Address	124 MCRAINEY LOOP
City	ANDALUSIA
State	AL
Zip	36420-3413
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DB/PG>2018/16281 JSD 11/5/18 LOT 8 BLK B HARTWOOD ADD PB 2 PG 6 SEC 17 T4N R16E
Legal Range	16E
Legal Township	04N
Legal Section	17
Legal Subdivision	HARTWOOD ADD
Legal Block	B
Legal Lot Number	8
Jurisdiction	COVINGTON AL
Township / Civil Division	ANDALUSIA
Census Block Group	3
Census Block	3037
Census Tract	962000

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	124 MCRAINEY LOOP, ANDALUSIA, AL 36420-3413
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 14, 2026	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Jan 6, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Dec 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 14, 2026 · Amount on Record
Deed Sale	Jan 14, 2026 · Amount on Record
Prior Sale	Oct 27, 2005
Deed Book / Page	2026 / 629
Record Updated	Sep 20, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COVINGTON AL
Recording Date	Jan 14, 2026
Property Address	124 MCRAINEY LOOP, ANDALUSIA, AL 36420-3413
Document Number	002026/629
Book / Page	2026 / 629
Map Reference	MB 2 PG 6
Instrument Date	Jan 13, 2026
Transaction Type	Transfer
Record Updated	Jan 30, 2026

Transaction

Amount	Amount Recorded
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	513 ROSALYN DR, OPP, AL 36467-3120

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	124 MCRAINEY LOOP, ANDALUSIA, AL 36420-3413

Mortgage

Document Number	002026/631
Date	Jan 14, 2026
Book Page	2026/631

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

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

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COVINGTON AL
Property Address	124 MCRAINEY LOOP, ANDALUSIA, AL 36420-3413
Transaction Type	Mortgage
Record Updated	Oct 20, 2022
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002021/296
Date	Jan 6, 2021
Book Page	2021/296

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	337 Months
Due	Feb 1, 2049

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COVINGTON AL
Property Address	124 MCRAINEY LOOP, ANDALUSIA, AL 36420-3413
Transaction Type	Mortgage
Record Updated	Oct 20, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021/29727
Date	Dec 14, 2021
Book Page	2021/29727

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	328 Months
Due	Apr 1, 2049

Tax Assessment & Valuation

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	Additional exemption filed	$32,292 (+132.58%) Land $1,540 Building $30,752	$161,460 (+16.29%) Land $7,700 Building $153,760
2023	Additional exemption filed	$13,884 Land $770 Building $13,114	$138,840 Land $7,700 Building $131,140

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

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

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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