166 Spring Cove Cir, Florence, AL 35634 Property Records

Lauderdale County property record for 166 Spring Cove Cir, Florence, AL 35634

Property Summary

Property Type	Other Improved
Details	1 ba · 570 sqft · built 2020
Lot Size	0.56 acres (24,394 sqft)
Owner	Individual Name on File
Last Sale	$254,000 (May 2018)
Tax Bill	$1,093 (2025)
Deeds & Mortgages	Jan 2023 Line of Credit May 2018 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`16-02-03-0-002-041-010`

Property Details

APN / Parcel Number

Primary APN	`16-02-03-0-002-041-010`
Alternative APNs	`093637` `44823` `93637`

Interior

Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	570 sqft Total Area
1st Floor Area	1,909 sqft
2nd Floor Area	1,155 sqft
Flooring	Plywood
Interior Walls	Plywood

Exterior

Year Built	Built 2020
Exterior Material	Fiber Cement Siding
Foundation Type	Retaining Wall
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	24,394 sqft (0.56 acres)
Lot Dimensions	210 ft deep x 122 ft wide
Garage Area	864 sqft

Exterior Amenities

Bath House	442 sqft
Cabin	240 sqft
Utility Building	120 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Account Number	93637
Street Address	166 SPRING COVE CIR
City	FLORENCE
State	AL
Zip	35634-3678
Property Category	Other
Property Type	Other > Other Improved
Local Zoning Code	01
Legal Description	122 WF X 210S(231) PT OF W/2 OF SW/4 SEC 3 T2S R10W .56 AC/C COM @ SW COR OF SEC 3 E 412.28 N 373.78 NE 738.73 NW 26.03 TO PO
Legal Range	10W
Legal Township	02S
Legal Section	03
Jurisdiction	LAUDERDALE AL
Township / Civil Division	KILLEN
Census Block Group	1
Census Block	1009
Census Tract	11603

Owner

166 Spring Cove Cir is owned by an individual who bought it in May 2018.

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

Owner of Record	Individual Name on File
Mailing Address	7939 NEW LAWRENCEBURG HWY, MOUNT PLEASANT, TN 38474-1851
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

Date	Document
Jan 20, 2023	Deed of Trust, Mortgage · Line of Credit HERITAGE BANK & TRUST
May 24, 2018	Warranty Deed, Transfer · Conventional Mortgage HERITAGE BANK & TRUST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 24, 2018 · Amount on File
Deed Sale	May 24, 2018 · Amount on File
Deed Document Number	0201821573
Deed Book / Page	2018 / 21573
Record Updated	Jun 8, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAUDERDALE AL
Property Address	166 SPRING COVE CIR, FLORENCE, AL 35634-3678
Transaction Type	Mortgage
Record Updated	Feb 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02023/2529
Date	Jan 20, 2023
Book Page	2023/2529

Lender

Name	HERITAGE BANK & TRUST
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Aug 3, 2024

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAUDERDALE AL
Recording Date	May 24, 2018
Property Address	166 SPRING COVE CIR, FLORENCE, AL 35634-3678
Document Number	2018/21573
Book / Page	2018 / 21573
Instrument Date	May 16, 2018
Transaction Type	Transfer
Record Updated	May 18, 2021

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	6120 HILLSBORO PIKE, 6120, NASHVILLE, TN 37215-5006

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7939 NEW LAWRENCEBURG HWY, MOUNT PLEASANT, TN 38474-1851

Mortgage

Document Number	2018/21576
Date	May 24, 2018
Book Page	2018/21576

Lender

Name	HERITAGE BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 166 Spring Cove Cir was $1,093.

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	$1,093.00	$29,800 (+15.41%)	$297,660 (-) Land $258,200 Building $39,460
2024	$1,093.00	$25,820 (-) Land $25,820	$297,660 (-) Land $258,200 Building $39,460
2023	$1,093.00 (+17.91%)	$25,820 (+2.95%) Land $25,820	$297,660 (+18.68%) Land $258,200 Building $39,460
2022	$927.00	$25,080	$250,800 Land $221,400 Building $29,400

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 166 Spring Cove Cir in Zone AE, a high-risk flood area within the regulatory floodway; 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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	17 (1991–2010)
Claims Outside the SFHA	6 of 17
Most Recent Claim	May 2010 · river or lake flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, May 2003 · 4 claims

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 166 Spring Cove Cir is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 99.5% of Alabama
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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

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

May also be available: AT&T.

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