16320 Co Rd 14, Waterloo, AL 35677 Property Records

Lauderdale County property record for 16320 Co Rd 14, Waterloo, AL 35677

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,032 sqft · built 1976
Lot Size	1.8 acres (78,408 sqft)
Owner	Individual Name on File
Last Sale	$127,000 (Feb 2021)
Deeds & Mortgages	Feb 2021 Sale & Mortgage
Flood Zone	Zone A (high risk)
APN	`13-05-16-0-000-012-000`

Property Details

APN / Parcel Number

Primary APN	`13-05-16-0-000-012-000`
Alternative APNs	`099914` `34963` `99914`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,032 sqft Living Area
1st Floor Area	2,032 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	78,408 sqft (1.8 acres)
Lot Dimensions	464 ft deep x 133 ft wide
Garage Area	880 sqft
Parking Spaces	4 Parking Spaces
Gazebo	369 sqft
Utility Building	240 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	99914
Street Address	16320 COUNTY ROAD 14
City	WATERLOO
State	AL
Zip	35677-3606
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	133.32 X 464.71 IRR OF W/2 OF NE/4 SEC 16 T2S R13W LESS RD ROW BEG @ A PT 2450S W & 1150S S OF NE COR OF SEC 16 TH E 133.32 S
Legal Range	13W
Legal Township	02S
Legal Section	16
Jurisdiction	LAUDERDALE AL
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1110
Census Tract	11300

Owner

16320 Co Rd 14 is owned and occupied by an individual who bought it in February 2021.

Source: Lauderdale County records, as of November 24, 2025

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 File
Mailing Address	16320 COUNTY ROAD 14, WATERLOO, AL 35677-3606
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 22, 2021 · Amount on File
Deed Sale	Feb 22, 2021 · Amount on File
Prior Sale	Sep 16, 2016 · Amount on File
Deed Book / Page	2021 / 10033
Prior Transfer Date	Aug 6, 2014
Prior Transfer Doc	2014/34321
Record Updated	Jun 8, 2026

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAUDERDALE AL
Recording Date	Feb 22, 2021
Property Address	16320 COUNTY ROAD 14, WATERLOO, AL 35677-3606
Document Number	2021/10033
Book / Page	2021 / 10033
Instrument Date	Jan 28, 2021
Transaction Type	Transfer
Record Updated	Jun 28, 2022

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	130 JONES LN, 130, MONONGAHELA, PA 15063-3617

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16320 COUNTY ROAD 14, WATERLOO, AL 35677-3606

Mortgage

Document Number	202110035202110035
Date	Feb 22, 2021
Instrument	2021/10035202110035

Lender

Name	MORTGAGE RESEARCH CENTER LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

Source: Lauderdale County assessment roll, as of November 24, 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	Homeowner's exemption	$19,260	$200,860 Land $25,800 Building $175,060
2023	Homeowner's exemption	$2,500 Land $2,500	$175,860 Land $25,000 Building $150,860

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 16320 Co Rd 14 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

Wildfire risk around 16320 Co Rd 14 is moderate, ranking above 48% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 48% of the US · above 56% of Alabama
Wildfire Likelihood	0.09% annual chance
Exposure	Direct burnable vegetation

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 13 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Co Rd 14

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures