Limestone County property record for 20448 Harris Loop, Elkmont, AL 35620
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,461 sqft · built 2018 |
| Lot Size | 0.51 acres (22,216 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $151,900 (Feb 2019) |
| Tax Bill | $1,629 (2025) |
| Deeds & Mortgages | Sep 2018 Mortgage Feb 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0605210001004000 |
| Primary APN | 0605210001004000 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,461 sqft Living Area |
| 1st Floor Area | 1,461 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 22,216 sqft (0.51 acres) |
| Lot Dimensions | 250 ft deep x 90 ft wide |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 160 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 10603073 |
|---|---|
| Street Address | 20448 HARRIS LOOP |
| City | ELKMONT |
| State | AL |
| Zip | 35620-7324 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Range | 05W |
| Legal Township | 02S |
| Legal Section | 21 |
| Legal Subdivision | ELMORE SD |
| Jurisdiction | LIMESTONE AL |
| Township / Civil Division | ATHENS |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 20403 |
20448 Harris Loop is owned and occupied by two individuals who acquired it in June 2019.
Source: Limestone County records, as of March 2, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 20448 HARRIS LOOP, ELKMONT, AL 35620-7324 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 19, 2018 | Deed of Trust, Mortgage · Commercial Mortgage FIRST METRO BANK |
| Feb 23, 2022 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE |
| Jun 14, 2019 | Intrafamily Transfer, Transfer |
| Feb 8, 2019 | Warranty Deed, Transfer · VA Mortgage ACOPIA LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 8, 2019 · Amount on File |
| Deed Sale | Feb 8, 2019 · Amount on File |
| Deed Book / Page | 2019 / 6793 |
| Last Transfer Date | Jun 14, 2019 |
| Transfer Doc | 2019/35842 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LIMESTONE AL |
| Property Address | 20448 HARRIS LOOP, ELKMONT, AL 35620-7324 |
| Transaction Type | Mortgage |
| Record Updated | Mar 6, 2026 |
| Name | Verified Name |
|---|
| Document Number | 2018/56169 |
|---|---|
| Date | Sep 19, 2018 |
| Book Page | 2018/56169 |
| Name | FIRST METRO BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LIMESTONE AL |
| Property Address | 20448 HARRIS LOOP, ELKMONT, AL 35620-7324 |
| Transaction Type | Mortgage |
| Record Updated | Mar 6, 2026 |
| Name | Verified Name |
|---|
| Document Number | 2022/16891 |
|---|---|
| Date | Feb 23, 2022 |
| Book Page | 2022/16891 |
| Name | FREEDOM MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 324 Months |
| Due | Apr 1, 2049 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | LIMESTONE AL |
| Recording Date | Jun 14, 2019 |
| Property Address | 20448 HARRIS LOOP, ELKMONT, AL 35620-7324 |
| Document Number | 2019/35842 |
| Book / Page | 2019 / 35842 |
| Instrument Date | Jun 14, 2019 |
| Transaction Type | Transfer |
| Record Updated | Mar 6, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1110 BLACKBRIAR CIR NE, HARTSELLE, AL 35640-6206 |
| Name | Verified Name |
|---|---|
| Address | 20448 HARRIS LOOP, ELKMONT, AL 35620-7324 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LIMESTONE AL |
| Recording Date | Feb 8, 2019 |
| Property Address | 20448 HARRIS LOOP, ELKMONT, AL 35620-7324 |
| Document Number | 02019/6793 |
| Book / Page | 2019 / 6793 |
| Instrument Date | Feb 7, 2019 |
| Transaction Type | Transfer |
| Record Updated | Mar 6, 2026 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount from Assessment |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 22275 NELSON RD, ELKMONT, AL 35620-7503 |
| Name | Verified Name |
|---|---|
| Address | 20448 HARRIS LOOP, ELKMONT, AL 35620-7324 |
| Document Number | 02019/6795 |
|---|---|
| Date | Feb 8, 2019 |
| Book Page | 2019/6795 |
| Name | ACOPIA LLC |
|---|---|
| Type | Lending Institution |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2049 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 20448 Harris Loop was $1,629, up 9% from the year before.
Source: Limestone County assessment roll, as of March 2, 2026
| Type | Name |
|---|---|
| State | Alabama |
| County | Limestone County |
| Unified School District | Limestone County School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,629.00 (+9.04%) | $53,300 (+6.99%) | $270,100 (+8.43%) Land $17,700 Building $252,400 |
| 2024 | $1,494.00 (+2.4%) | $49,820 (+4.58%) | $249,100 (+4.58%) Land $15,900 Building $233,200 |
| 2023 | $1,459.00 (+18.91%) | $47,640 (+19.4%) | $238,200 (+19.4%) Land $15,900 Building $222,300 |
| 2022 | $1,227.00 | $39,900 | $199,500 Land $17,700 Building $181,800 |
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.
FEMA maps place 20448 Harris Loop in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective October 29, 2025 · 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 |
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 risk around 20448 Harris Loop 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | LIMESTONE COUNTY WATER & SEWER AUTH. serves 90,900 people · EPA ID AL0000833 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Dec 2024 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 46 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures