130 Co Rd 78, Waterloo, AL 35677 Property Records

Lauderdale County property record for 130 Co Rd 78, Waterloo, AL 35677

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,296 sqft · built 1980
Lot Size	2.43 acres (105,851 sqft)
Owner	Individual Name on File
Last Sale	$300,675 (Oct 2021)
Tax Bill	$663 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-09-31-0-001-010-000`

Property Details

APN / Parcel Number

Primary APN	`08-09-31-0-001-010-000`
Alternative APNs	`090197` `102708` `6997`

Interior

Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,296 sqft Living Area
1st Floor Area	1,296 sqft
Flooring	Carpet
Interior Walls	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Exterior Material	Logs
Foundation Type	Retaining Wall
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	105,851 sqft (2.43 acres)
Lot Dimensions	455 ft deep x 250 ft wide
Garage Type	Mixed
Garage Area	1,079 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Gravity Furnace

Location & Zoning

Account Number	102708
Street Address	130 COUNTY ROAD 78
City	WATERLOO
State	AL
Zip	35677
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01
Legal Description	250 WF X 455 IRR LOT 2.43 AC/C SECOND CREEK CABIN SITE AREA LOT 3 SEC 31 T1S R14W PB 2 PG 120 DB 2016/54097 DB 2016/54190
Legal Range	14W
Legal Township	01S
Legal Section	31
Legal Subdivision	SECOND CREEK CABIN SITE AREA
Legal Lot Number	3
Jurisdiction	LAUDERDALE AL
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1089
Census Tract	11300

Owner

130 Co Rd 78 is owned and occupied by an individual who bought it in October 2021.

Source: Lauderdale County records, as of November 21, 2025

Owner of Record	Individual Name on File
Mailing Address	130 COUNTY ROAD 78, WATERLOO, AL 35677
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 20, 2021 · Amount on File
Deed Sale	Oct 20, 2021 · Amount on File
Deed Document Number	0202166357
Deed Book / Page	2016 / 54703
Prior Transfer Date	Dec 6, 2016
Prior Transfer Doc	0201654703
Record Updated	Jun 8, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAUDERDALE AL
Recording Date	Oct 21, 2021
Property Address	130 COUNTY ROAD 78, WATERLOO, AL 35677
Document Number	2021/66357
Book / Page	2021 / 66357
Map Reference	MB 2 PG 120
Instrument Date	Oct 20, 2021
Transaction Type	Transfer
Record Updated	May 14, 2024

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	221 COUNTY ROAD 416, KILLEN, AL 35645-7311

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202166359202166359
Date	Oct 21, 2021
Instrument	2021/66359202166359

Lender

Name	BETTER MORTGAGE CORP

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 130 Co Rd 78 was $663 with a homeowner's exemption.

Source: Lauderdale County assessment roll, as of January 1, 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	$663.00 Homeowner's exemption	$20,600 (-)	$205,840 (-) Land $104,100 Building $101,740
2024	$663.00 (-7.01%) Homeowner's exemption	$20,600 (+97.7%) Land $10,420 Building $10,180	$205,840 (-) Land $104,100 Building $101,740
2023	$713.00 (+2.44%) Homeowner's exemption	$10,420 (-43.61%) Land $10,420	$205,840 (+11.39%) Land $104,100 Building $101,740
2022	$696.00	$18,480	$184,800 Land $93,000 Building $91,800

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 130 Co Rd 78 in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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 130 Co Rd 78 is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 66% of the US · lower than 82% of Alabama
Wildfire Likelihood	0.04% 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.

Internet Providers

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

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000