13808 Nancy Lou Loop, Athens, AL 35611 Property Records

Limestone County property record for 13808 Nancy Lou Loop, Athens, AL 35611

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,068 sqft · built 1970
Owner	Individual Name on Record
Last Sale	$25,000 (Dec 2020)
Tax Bill	$265 (2025)
Deeds & Mortgages	Jun 2018 Mortgage Dec 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1503050001037000`

Property Details

APN / Parcel Number

Primary APN	`1503050001037000`
Alternative APNs	`11500382` `51925`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,068 sqft Living Area
Interior Walls	Plywood

Exterior

Year Built	Built 1970
Exterior Material	Vinyl
Foundation Type	Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Dimensions	170 ft deep x 113 ft wide
Garage Type	Attached
Garage Area	204 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	16 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	11500382
Street Address	13808 NANCY LOU LOOP
City	ATHENS
State	AL
Zip	35611-6834
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NANCY LOU SDLOT 38 BLK #SEC 4 4 5N
Legal Subdivision	NANCY LOU SD
Legal Lot Number	38
Jurisdiction	LIMESTONE AL
Township / Civil Division	ATHENS
Census Block Group	2
Census Block	2048
Census Tract	21101

Owner

Source: Limestone County records, as of February 27, 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
Co-owner	Co-owner on Record
Mailing Address	13808 NANCY LOU LOOP, ATHENS, AL 35611-6834
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 12, 2018	Deed of Trust, Mortgage · Seller Carry-Back MELISSA RICHARDSON
Dec 3, 2020	Warranty Deed, Transfer · FHA Mortgage BBVA USA
Jun 4, 2020	Foreclosure Foreclosure Auction
Jun 12, 2018	Warranty Deed, Transfer · Seller Carry-Back MELISSA RICHARDSON

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 3, 2020 · Amount on Record
Deed Sale	Dec 3, 2020 · Amount on Record
Prior Sale	Jun 4, 2020 · Amount on Record
Deed Document Number	2020113234
Deed Book / Page	2020 / 113234
Record Updated	Jun 8, 2026

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LIMESTONE AL
Property Address	13808 NANCY LOU LOOP, ATHENS, AL 35611-6834
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2018/33525
Date	Jun 12, 2018
Book Page	2018/33525

Lender

Name	MELISSA RICHARDSON
Type	Seller

Agreement

Type	Seller Carry-Back
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LIMESTONE AL
Recording Date	Dec 3, 2020
Property Address	13808 NANCY LOU LOOP, ATHENS, AL 35611-6834
Document Number	2020/113234
Book / Page	2020 / 113234
Map Reference	MB D PG 32
Instrument Date	Dec 1, 2020
Transaction Type	Transfer
Record Updated	Jan 19, 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	18981 WELLS RD, ATHENS, AL 35613-4847

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13808 NANCY LOU LOOP, ATHENS, AL 35611-6834

Mortgage

Document Number	202011323720201132
Date	Dec 3, 2020
Instrument	2020/11323720201132

Lender

Name	BBVA USA

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

June 2020: Foreclosure

Document Type	Foreclosure
Jurisdiction	LIMESTONE AL
Recording Date	Jun 4, 2020
Property Address	13808 NANCY LOU LOOP, ATHENS, AL 35611-6834
Document Number	2020/43866
Book / Page	2020 / 43866
Map Reference	MB D PG 32
Instrument Date	Jun 3, 2020
Transaction Type	Foreclosure
Record Updated	Jan 19, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Foreclosure Auction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18981 WELLS RD, ATHENS, AL 35613-4847
Investor	Possibly a Property Investor

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LIMESTONE AL
Recording Date	Jun 12, 2018
Property Address	13808 NANCY LOU LOOP, ATHENS, AL 35611-6834
Document Number	2018/33521
Book / Page	2018 / 33521
Instrument Date	Jun 11, 2018
Transaction Type	Transfer
Record Updated	Jan 19, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	18981 WELLS RD, ATHENS, AL 35613-4847

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1710 14TH AVE SE, DECATUR, AL 35601-5092

Mortgage

Document Number	2018/33525
Date	Jun 12, 2018
Book Page	2018/33525

Lender

Name	MELISSA RICHARDSON
Type	Seller

Agreement

Type	Seller Carry-Back
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Limestone County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	Alabama
County	Limestone County
Unified School District	Limestone County School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$265.00 (+12.77%) Homeowner's exemption	$7,840 (-)	$78,200 (-) Land $5,100 Building $73,100
2024	$235.00 (-11.32%) Homeowner's exemption	$7,840 (-)	$78,200 (-) Land $5,100 Building $73,100
2023	$265.00 (+35.2%) Homeowner's exemption	$7,840 (+41.52%)	$78,200 (+41.41%) Land $5,100 Building $73,100
2022	$196.00 Homeowner's exemption	$5,540	$55,300 Land $6,400 Building $48,900

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 October 29, 2025 · 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	3 in force

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 80% of the US · lower than 91% of Alabama
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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	LIMESTONE COUNTY WATER & SEWER AUTH. serves 90,900 people · EPA ID AL0000833
Water Source	Surface water
Last State Inspection	Dec 2024
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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