Lauderdale County property record for 1280 Co Rd 90, Waterloo, AL 35677
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,508 sqft · built 1959 |
| Lot Size | 0.872 acres (38,024 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $264 (2025) |
| Deeds & Mortgages | Oct 2017 Mortgage |
| Flood Zone | Zone A (high risk) |
| APN | 08-09-30-0-001-029-000 |
| Primary APN | 08-09-30-0-001-029-000 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,508 sqft Living Area |
| 1st Floor Area | 1,508 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1959 |
|---|---|
| Exterior Material | Vinyl |
| Foundation Type | Retaining Wall |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 38,024 sqft (0.872 acres) |
| Lot Dimensions | 359 ft deep x 105 ft wide |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Gravity Furnace |
| Account Number | 64278 |
|---|---|
| Street Address | 1280 COUNTY ROAD 90 |
| City | WATERLOO |
| State | AL |
| Zip | 35677-3138 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 01 |
| Legal Description | 105.78 X 359.38 SECOND CREEK CABIN SITE AREA PART OF LOT 39 BEG NE COR TH SE 420 SW 105.78 NW 380S NE 100.37 TO POB SEC 30 T1 |
| Legal Range | 14W |
| Legal Township | 01S |
| Legal Section | 30 |
| Legal Subdivision | SECOND CREEK CABIN SITE AREA |
| Legal Lot Number | 39 |
| Jurisdiction | LAUDERDALE AL |
| Township / Civil Division | WATERLOO |
| Census Block Group | 1 |
| Census Block | 1089 |
| Census Tract | 11300 |
1280 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 | 1280 COUNTY ROAD 90, WATERLOO, AL 35677-3138 |
| 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 | 1280 COUNTY ROAD 90, WATERLOO, AL 35677-3138 |
| Transaction Type | Mortgage |
| Record Updated | Dec 20, 2018 |
| Name | Verified Name |
|---|
| Document Number | 2017/44527 |
|---|---|
| Date | Oct 5, 2017 |
| Book Page | 2017/44527 |
| Name | BANK INDEPENDENT |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Oct 1, 2032 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 1280 Co Rd 90 was $264 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 | $264.00 Homeowner's exemption | $9,200 (-) | $91,980 (-) Land $19,600 Building $72,380 |
| 2024 | $264.00 (-15.92%) Homeowner's exemption | $9,200 (+369.39%) Land $1,960 Building $7,240 | $91,980 (-) Land $19,600 Building $72,380 |
| 2023 | $314.00 (+35.34%) Homeowner's exemption | $1,960 (-71.43%) Land $1,960 | $91,980 (+34.08%) Land $19,600 Building $72,380 |
| 2022 | $232.00 Homeowner's exemption | $6,860 | $68,600 Land $17,600 Building $51,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1280 Co Rd 90 in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective August 1, 2018 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| 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 1280 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 |
No cell data coverage reported
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