158 White Oak Loop, Cullman, AL 35057 Property Records

Cullman County property record for 158 White Oak Loop, Cullman, AL 35057

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,372 sqft · built 1999
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on Record
Last Sale	$287,000 (Feb 2025)
Tax Bill	$735 (2025)
Deeds & Mortgages	Aug 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22-03-08-0-001-001.037`

Property Details

APN / Parcel Number

Primary APN	`22-03-08-0-001-001.037`
Alternative APNs	`229299` `212777` `59044`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,372 sqft Base Area
1st Floor Area	1,372 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	10,019 sqft (0.23 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	229299
Street Address	158 WHITE OAK LOOP
City	CULLMAN
State	AL
Zip	35057-4187
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	.23 AC - LOT 35 DEER RUN SUB
Legal Subdivision	DEER RUN SUBDIVISION
Legal Lot Number	35
Jurisdiction	CULLMAN AL
Township / Civil Division	CULLMAN
Census Block Group	1
Census Block	1002
Census Tract	964700

Owner

Source: Cullman County records, as of September 16, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	227 COUNTY ROAD 464, CULLMAN, AL 35057-2713
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 3, 2025 · Amount on Record
Deed Sale	Feb 3, 2025 · Amount on Record
Prior Sale	Oct 19, 2022 · Amount on Record
Deed Book / Page	764 / 917
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CULLMAN AL
Recording Date	Aug 3, 2026
Property Address	158 WHITE OAK LOOP, CULLMAN, AL 35057-4187
Document Number	2177000193
Book / Page	2177 / 193
Instrument Date	Dec 22, 2025
Transaction Type	Mortgage
Record Updated	Sep 16, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	158 WHITE OAK LOOP, CULLMAN, AL 35057-4187

Mortgage

Document Number	2177000193,
Date	Aug 3, 2026
Book Page	2177/193

Lender

Name	MORTGAGE CENTER LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

Tax Assessment & Valuation

Source: Cullman County assessment roll, as of November 10, 2025

Property Jurisdictions

Type	Name
State	Alabama
County	Cullman County
Municipality	Good Hope City
Unified School District	Cullman County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$735.00 (+17.6%) Homeowner's exemption	$25,180 (+16.47%)	$251,700 (+16.53%) Land $41,300 Building $210,400
2023	$625.00 (+12.01%) Homeowner's exemption	$21,620 (+10.99%)	$216,000 (+10.88%) Land $27,500 Building $188,500
2022	$558.00 Homeowner's exemption	$19,480	$194,800 Land $25,000 Building $169,800

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

Source: FEMA National Flood Hazard Layer, effective April 26, 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	5 in force
Nearby Flood Claims	2 (2015–2021)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Mar 2021 · river or lake 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 67% of the US · lower than 85% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	EAST CULLMAN WATER SYSTEM serves 13,284 people · EPA ID AL0000402
Water Source	Purchased surface water from several systems
Last State Inspection	Dec 2025
Lead	Under 1 ppb (2022–2024) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 39 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sprout Fiber Internet Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T DSL	100 / 20