19198 Racheals Loop, Athens, AL 35611 Property Records

Limestone County property record for 19198 Racheals Loop, Athens, AL 35611

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,378 sqft · built 2012
Lot Size	0.519 acres (22,651 sqft)
Owner	Individual Name on Record
Last Sale	$153,000 (Jun 2019)
Tax Bill	$723 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Jun 2019 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`1003052005015000`

Property Details

APN / Parcel Number

Primary APN	`1003052005015000`
Alternative APNs	`11002857` `43507`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,378 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	22,651 sqft (0.519 acres)
Lot Dimensions	221 ft deep x 82.7 ft wide
Garage Type	Attached
Garage Area	281 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	205 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	11002857
Street Address	19198 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

Source: Limestone County records, as of February 27, 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
Co-owner	Co-owner on Record
Mailing Address	19198 RACHEALS LOOP, ATHENS, AL 35611-4877
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage REDSTONE FCU
Jun 10, 2019	Survivorship Deed, Transfer · Conventional Mortgage PLANET HOME LENDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 10, 2019 · Amount on Record
Deed Sale	Jun 10, 2019 · Amount on Record
Prior Sale	Sep 29, 2014 · Amount on Record
Deed Document Number	0201934269
Deed Book / Page	2019 / 34269
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LIMESTONE AL
Property Address	19198 RACHEALS LOOP, ATHENS, AL 35611-4877
Transaction Type	Mortgage
Record Updated	May 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021/106889
Date	Sep 27, 2021
Book Page	2021/106889

Lender

Name	REDSTONE FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 26, 2041

Interest

Rate Type	Fixed Rate

June 2019: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	LIMESTONE AL
Recording Date	Jun 10, 2019
Property Address	19198 RACHEALS LOOP, ATHENS, AL 35611-4877
Document Number	2019/34269
Book / Page	2019 / 34269
Instrument Date	Jun 7, 2019
Transaction Type	Transfer
Record Updated	May 30, 2023

Transaction

Amount	Amount Recorded
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	22195 CHOCTAW LN, ATHENS, AL 35613-2841

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19198 RACHEALS LOOP, ATHENS, AL 35611-4877

Mortgage

Document Number	2019/34271
Date	Jun 10, 2019
Book Page	2019/34271

Lender

Name	PLANET HOME LENDING LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2049

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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	$723.00 (+4.18%) Homeowner's exemption	$19,420 (+3.96%)	$194,200 (+4.07%) Land $29,000 Building $165,200
2024	$694.00 (+9.81%) Homeowner's exemption	$18,680 (+8.98%)	$186,600 (+8.93%) Land $27,500 Building $159,100
2023	$632.00 (+6.04%) Homeowner's exemption	$17,140 (+5.54%)	$171,300 (+5.55%) Land $25,000 Building $146,300
2022	$596.00 Homeowner's exemption	$16,240	$162,300 Land $27,000 Building $135,300

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

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

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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