1905 Ramer Loop, Cottonwood, AL 36320 Property Records

Houston County property record for 1905 Ramer Loop, Cottonwood, AL 36320

Property Summary

Property Type	Other Improved
Details	2 bd · 1 ba · 1,080 sqft · built 1940
Lot Size	45 acres (1,960,200 sqft)
Owner	Individual Name on Record
Tax Bill	$525 (2025)
Deeds & Mortgages	Jul 2015 Line of Credit Feb 2025 Transfer
Flood Zone	Zone X (minimal risk)
APN	`19-08-34-0-000-001-001`

Property Details

APN / Parcel Number

Primary APN	`19-08-34-0-000-001-001`
Alternative APNs	`121209` `48215`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,080 sqft Adjusted Area
1st Floor Area	1,080 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Exterior Material	Wood
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	1,960,200 sqft (45 acres)
Shed	1 Shed
Shed Area	1,080 sqft

Location & Zoning

Street Address	1905 RAMER LOOP
City	COTTONWOOD
State	AL
Zip	36320
Property Category	Other
Property Type	Other > Other Improved
Legal Description	NE1/4 OF NE1/4 OF SEC 34 T1N R27E
Legal Range	27E
Legal Township	01N
Legal Section	34
Jurisdiction	HOUSTON AL
Township / Civil Division	COTTONWOOD
Census Block Group	3
Census Block	3039
Census Tract	42000

Owner

Source: Houston County records, as of May 12, 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
Mailing Address	5964 STATE LINE RD, COTTONWOOD, AL 36320-4225
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2015	Deed of Trust, Mortgage · Line of Credit AMERIS BANK
Feb 27, 2025	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

July 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOUSTON AL
Property Address	1905 RAMER LOOP, COTTONWOOD, AL 36320
Transaction Type	Mortgage
Record Updated	May 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002336/609
Date	Jul 13, 2015
Book Page	2336/609

Lender

Name	AMERIS BANK
Type	Bank
Address	208 SOUTH MAIN STREET

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	57 Months
Due	Apr 20, 2020

February 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HOUSTON AL
Recording Date	Feb 27, 2025
Property Address	1905 RAMER LOOP, COTTONWOOD, AL 36320
Document Number	000930/479
Book / Page	930 / 479
Map Reference	MB 2562 PG 621
Instrument Date	Feb 25, 2025
Instrument	0930-0479
Transaction Type	Transfer
Record Updated	May 12, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5964 STATE LINE RD, COTTONWOOD, AL 36320-4225

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	100 MARVIN DR, COTTONWOOD, AL 36320-5124

Tax Assessment & Valuation

Source: Houston County assessment roll, as of May 12, 2026

Property Jurisdictions

Type	Name
State	Alabama
County	Houston County
Unified School District	Houston County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$525.00 (+3.55%)	$16,940 (+3.42%)	$169,300 (+3.42%) Land $161,500 Building $7,800
2024	$507.00 (+6.29%)	$16,380 (+8.05%)	$163,700 (+18.45%) Land $156,200 Building $7,500
2023	$477.00 (+3.02%)	$15,160 (+3.27%)	$138,200 (+1.77%) Land $126,900 Building $11,300
2022	$463.00	$14,680	$135,800 Land $126,900 Building $8,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective July 14, 2020 · 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	2 in force
Nearby Flood Claims	2 (2009–2013)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Feb 2013 · rainfall accumulation

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

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6
T-Mobile Fixed Wireless	25 / 3
WOW Internet, Cable & Phone DSL	25 / 3

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Ramer Loop

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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