196 McCutcheon Loop Rd, Laceys Spring, AL 35754 Property Records

Morgan County property record for 196 McCutcheon Loop Rd, Laceys Spring, AL 35754

Property Summary

Property Type	Mobile Home
Details	built 2016
Lot Size	2 acres (87,120 sqft)
Owner	Individual Name on File
Last Sale	$150,500 (Feb 2021)
Tax Bill	$432 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Feb 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-03-06-0-000-022.001`

Property Details

APN / Parcel Number

Primary APN	`08-03-06-0-000-022.001`
Alternative APNs	`10810900` `201187`

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2017
Architectural Style	Mobile Home
Lot Area	87,120 sqft (2 acres)

Location & Zoning

Account Number	10810900
Street Address	196 MCCUTCHEON LOOP RD
City	LACEYS SPRING
State	AL
Zip	35754-3202
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	BEG AT SW COR OF SEC 6, T6S, R1E TH N 483.52', TH NE'LY 390.3', TO TPOB. TH N'LY 210', TH NE'LY 447', TH S'LY 210', TH SW'LY
Legal Range	1E
Legal Township	6S
Legal Section	06
Jurisdiction	MORGAN AL
Township / Civil Division	LACEYS SPRING
Census Block Group	1
Census Block	1023
Census Tract	5703

Owner

Source: Morgan County assessment roll, as of June 19, 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 File
Mailing Address	196 MCCUTCHEON LOOP RD, LACEYS SPRING, AL 35754-3202
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 8, 2021	Deed of Trust, Mortgage · Closed-End Mortgage CALIBER HOME LOANS INC
Feb 8, 2021	Warranty Deed, Transfer · FHA Mortgage CALIBER HOME LOANS INC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 8, 2021 · Amount on Record
Deed Sale	Feb 8, 2021 · Amount on Record
Deed Book / Page	2021 / 1251
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN AL
Property Address	196 MCCUTCHEON LOOP RD, LACEYS SPRING, AL 35754-3202
Transaction Type	Mortgage
Record Updated	Jun 19, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02021/6972
Date	Feb 8, 2021
Book Page	2021/6972

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Feb 1, 2031

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MORGAN AL
Recording Date	Feb 8, 2021
Property Address	196 MCCUTCHEON LOOP RD, LACEYS SPRING, AL 35754-3202
Document Number	02021/1251
Book / Page	2021 / 1251
Instrument Date	Jan 19, 2021
Transaction Type	Transfer
Record Updated	Jun 19, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	128 SEAGROVES RD, LACEYS SPRING, AL 35754-6355

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	196 MCCUTCHEON LOOP RD, LACEYS SPRING, AL 35754-3202
Investor	Possibly a Property Investor

Mortgage

Document Number	02021/6945
Date	Feb 8, 2021
Book Page	2021/6945

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

Tax Assessment & Valuation

Source: Morgan County assessment roll, as of June 19, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$432.00	$12,990 (-) Land $2,780 Building $10,210	$129,900 (-) Land $27,800 Building $102,100
2024		$12,990 (-) Land $2,780 Building $10,210	$129,900 (-) Land $27,800 Building $102,100
2023	$432.00 (+2.13%) Homeowner's exemption	$12,990 (+1.96%) Land $2,780 Building $10,210	$129,900 (+1.96%) Land $27,800 Building $102,100
2022	$423.00 Homeowner's exemption	$12,740 Land $2,530 Building $10,210	$127,400 Land $25,300 Building $102,100

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 July 4, 2022 · 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
Flood Insurance Cost	Premium on Record median of 21 policies
Nearby Flood Policies	21 in force
Nearby Flood Claims	6 (1995–2020)
Claims Outside the SFHA	2 of 6
Most Recent Claim	Apr 2020 · rainfall accumulation
Claims by Event	Severe Storms, Straight-line Winds, Tornadoes, And Flooding, Feb 2019 · 2 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

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	0.04% annual chance
Exposure	Direct burnable vegetation at the parcel

Internet Providers

Source: FCC Broadband Data Collection, based on 32 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
FlashFiber Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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