19182 Racheals Loop, Athens, AL 35611 Property Records

Limestone County property record for 19182 Racheals Loop, Athens, AL 35611

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,330 sqft · built 2012
Lot Size	0.76 acres (33,106 sqft)
Owner	Individual Name on File
Last Sale	$140,400 (Sep 2017)
Tax Bill	$703 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Sep 2017 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`1003052005016000`

Property Details

APN / Parcel Number

Primary APN	`1003052005016000`
Alternative APNs	`11002858` `1457`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,330 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2013
Exterior Material	Brick
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	33,106 sqft (0.76 acres)
Lot Dimensions	247 ft deep x 66.5 ft wide
Garage Type	Attached
Garage Area	260 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	110 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	11002858
Street Address	19182 RACHEALS LOOP
City	ATHENS
State	AL
Zip	35611-4877
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DIST:2 CITY/MUNI/TWP:ATHENS SUBD:ELLENWOOD SEC/TWN/RNG/MER:SEC 00 TWN 03S RNG 04W
Legal Subdivision	ELLENWOOD
Jurisdiction	LIMESTONE AL
Township / Civil Division	ATHENS
Census Block Group	1
Census Block	1034
Census Tract	20600

Owner

19182 Racheals Loop is owned and occupied by an individual who bought it in September 2017.

Source: Limestone County records, as of February 27, 2026

Owner of Record	Individual Name on File
Mailing Address	19182 RACHEALS LOOP, ATHENS, AL 35611-4877
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
Oct 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage HUD
Sep 19, 2017	Warranty Deed, Transfer · Conventional Mortgage BANK INDEPENDENT

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 19, 2017 · Amount on File
Deed Sale	Sep 19, 2017 · Amount on File
Prior Sale	Apr 7, 2014 · Amount on File
Deed Document Number	0201754137
Deed Book / Page	2017 / 54137
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LIMESTONE AL
Property Address	19182 RACHEALS LOOP, ATHENS, AL 35611-4877
Transaction Type	Mortgage
Record Updated	Jul 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021/118749
Date	Oct 27, 2021
Book Page	2021/118749

Lender

Name	HUD
Type	Government Agency

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2051

Interest

Rate Type	Fixed Rate

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LIMESTONE AL
Recording Date	Sep 19, 2017
Property Address	19182 RACHEALS LOOP, ATHENS, AL 35611-4877
Document Number	2017/54137
Book / Page	2017 / 54137
Instrument Date	Sep 19, 2017
Transaction Type	Transfer
Record Updated	Jul 15, 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	22060 MISSY LEIGH LN, 22060, ATHENS, AL 35613-2408

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19182 RACHEALS LOOP, ATHENS, AL 35611-4877

Mortgage

Document Number	2017/54139
Date	Sep 19, 2017
Book Page	2017/54139

Lender

Name	BANK INDEPENDENT
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2047

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 19182 Racheals Loop was $703 with a homeowner's exemption, up 4.5% from the year before.

Source: Limestone County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	Alabama
Municipality	Athens City
County	Limestone County
Unified School District	Athens City School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$703.00 (+4.46%) Homeowner's exemption	$18,900 (+4.07%)	$188,900 (+4.08%) Land $29,000 Building $159,900
2024	$673.00 (+9.79%) Homeowner's exemption	$18,160 (+9%)	$181,500 (+8.94%) Land $27,500 Building $154,000
2023	$613.00 (+5.87%) Homeowner's exemption	$16,660 (+5.44%)	$166,600 (+5.44%) Land $25,000 Building $141,600
2022	$579.00 Homeowner's exemption	$15,800	$158,000 Land $27,000 Building $131,000

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 19182 Racheals Loop in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective October 29, 2025 · 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	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	8 in force
Nearby Flood Claims	4 (1989–2003)
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 19182 Racheals Loop 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 94% of the US · lower than 98.4% of Alabama
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	ATHENS UTILITIES serves 43,431 people · EPA ID AL0000824
Water Source	Surface water
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	Chlorine dioxide resolved · Dec 2025
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 231 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
WOW Internet, Cable & Phone Cable	1,200 / 50
Spectrum Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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