18930 Co Rd 14, Waterloo, AL 35677 Property Records

Lauderdale County property record for 18930 Co Rd 14, Waterloo, AL 35677

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,164 sqft · built 1977
Lot Size	0.87 acres (37,897 sqft)
Owner	Individual Name on File
Last Sale	$89,900 (Jan 2021)
Tax Bill	$123 (2025)
Deeds & Mortgages	May 2025 Mortgage Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-06-23-0-000-007-001`

Property Details

APN / Parcel Number

Primary APN	`13-06-23-0-000-007-001`
Alternative APNs	`103048` `095201` `56131`

Interior

Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,164 sqft Living Area
1st Floor Area	1,653 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Exterior Material	Other
Foundation Type	Retaining Wall
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	37,897 sqft (0.87 acres)
Lot Dimensions	210 ft deep x 105 ft wide
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Gravity Furnace

Location & Zoning

Account Number	103048
Street Address	18930 COUNTY ROAD 14
City	WATERLOO
State	AL
Zip	35677-3615
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	165S X 322.95 IRR IN NE/4 SEC 23 T2S R13W BEG 490S NE OF INT OF CO RDS 14 & 189, THEN NE 165S, SW 322.95, E 84.16 & NE 292.93
Legal Range	13W
Legal Township	02S
Legal Section	23
Jurisdiction	LAUDERDALE AL
Township / Civil Division	OAKLAND
Census Block Group	2
Census Block	2009
Census Tract	11200

Owner

18930 Co Rd 14 is owned and occupied by an individual who bought it in January 2021.

Source: Lauderdale County records, as of October 9, 2026

Owner of Record	Individual Name on File
Mailing Address	18930 COUNTY ROAD 14, WATERLOO, AL 35677-3615
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

Date	Document
May 5, 2025	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Oct 18, 2021	Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 15, 2021 · Amount on File
Deed Sale	Jan 15, 2021 · Amount on File
Deed Book / Page	2021 / 2669
Prior Transfer Date	Oct 23, 2018
Prior Transfer Doc	2018046211
Record Updated	Oct 29, 2026

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAUDERDALE AL
Property Address	18930 COUNTY ROAD 14, WATERLOO, AL 35677-3615
Transaction Type	Mortgage
Record Updated	Nov 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	2025/19556
Date	May 5, 2025
Book Page	2025/19556

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAUDERDALE AL
Recording Date	Oct 18, 2021
Property Address	18930 COUNTY ROAD 14, WATERLOO, AL 35677-3615
Document Number	2021/65212
Book / Page	2021 / 65212
Instrument Date	Oct 18, 2021
Transaction Type	Transfer
Record Updated	Nov 24, 2025

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	172 BELVIEW DR, KILLEN, AL 35645-7856

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18930 COUNTY ROAD 14, WATERLOO, AL 35677-3615
Investor	Possibly a Property Investor

Mortgage

Document Number	202165214202165214
Date	Oct 18, 2021
Instrument	2021/65214202165214

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 18930 Co Rd 14 was $123 with a homeowner's exemption, down 61.3% from the year before.

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	$123.00 (-61.32%) Homeowner's exemption	$5,180 (-43.08%)	$51,720 (+13.57%) Land $17,000 Building $34,720
2024	$318.00 (-14.52%)	$9,100 (+180.86%) Land $2,820 Building $6,280	$45,540 (-1.3%) Land $14,100 Building $31,440
2023	$372.00 (+27.84%)	$3,240 (-53.04%) Land $3,240	$46,140 (+33.74%) Land $16,200 Building $29,940
2022	$291.00 Homeowner's exemption	$6,900	$34,500 Land $12,900 Building $21,600

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 18930 Co Rd 14 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	3 in force
Nearby Flood Claims	2 (1994–2018)
Claims Outside the SFHA	1 of 2
Most Recent Claim	May 2018 · 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

Wildfire risk around 18930 Co Rd 14 is low, with a 0.02% annual chance of 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	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 36 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Spectrum.

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