Lauderdale County property record for 220 Co Rd 256, Waterloo, AL 35677
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,793 sqft · built 2024 |
| Lot Size | 2.53 acres (110,207 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $1,230 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage Sep 2024 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-02-09-0-000-010-004 |
| Primary APN | 07-02-09-0-000-010-004 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Building Area | 2,793 sqft Living Area |
| 1st Floor Area | 1,838 sqft |
| 2nd Floor Area | 1,958 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Exterior Material | Fiber Cement Siding |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 110,207 sqft (2.53 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 107025 |
|---|---|
| Street Address | 220 COUNTY ROAD 256 |
| City | WATERLOO |
| State | AL |
| Zip | 35677-3761 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 367.52 X 630S 2.53 AC/D IRR TRACT IN THE NW/4 OF NW/4 OF SEC 9 T1S R13W COR BEG 172.48 S OF THE NW COR OF THE NW 1/4 TH E 115 |
| Legal Range | 13W |
| Legal Township | 01S |
| Legal Section | 09 |
| Jurisdiction | LAUDERDALE AL |
| Township / Civil Division | WATERLOO |
| Census Block Group | 2 |
| Census Block | 2053 |
| Census Tract | 11300 |
Source: Lauderdale County records, as of March 30, 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 | 220 COUNTY ROAD 256, WATERLOO, AL 35677-3761 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 11, 2026 | Deed of Trust, Mortgage · Conventional Mortgage LISTERHILL CU |
| Sep 10, 2024 | Deed of Trust, Mortgage · Conventional Mortgage LISTERHILL CU |
| Mar 2, 2023 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAUDERDALE AL |
| Property Address | 220 COUNTY ROAD 256, WATERLOO, AL 35677-3761 |
| Transaction Type | Mortgage |
| Record Updated | Apr 1, 2026 |
| Name | Verified Name |
|---|
| Document Number | 2026/11237 |
|---|---|
| Date | Mar 11, 2026 |
| Book Page | 2026/11237 |
| Name | LISTERHILL CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAUDERDALE AL |
| Property Address | 220 COUNTY ROAD 256, WATERLOO, AL 35677-3761 |
| Transaction Type | Mortgage |
| Record Updated | Nov 24, 2025 |
| Name | Verified Name |
|---|
| Document Number | 2024/37140 |
|---|---|
| Date | Sep 10, 2024 |
| Book Page | 2024/37140 |
| Name | LISTERHILL CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 8.49% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Aug 29, 2020 |
| Change Frequency | 3 Years |
| Min Rate At Change | 8.49% |
| Max Rate At Change | 10.4% |
| Index | Other |
| Max Rate | 14.4% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAUDERDALE AL |
| Recording Date | Mar 2, 2023 |
| Property Address | 220 COUNTY ROAD 256, WATERLOO, AL 35677-3761 |
| Document Number | 02023/8027 |
| Book / Page | 2023 / 8027 |
| Instrument Date | Mar 1, 2023 |
| Transaction Type | Transfer |
| Record Updated | Nov 24, 2025 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 199 COUNTY ROAD 256, WATERLOO, AL 35677-3728 |
| Name | Verified Name |
|---|---|
| Address | 135 COUNTY ROAD 250, FLORENCE, AL 35633-5367 |
Source: Lauderdale County assessment roll, as of November 24, 2025
| Type | Name |
|---|---|
| State | Alabama |
| County | Lauderdale County |
| Unified School District | Lauderdale County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,230.00 Homeowner's exemption | $36,800 | $367,880 Land $24,500 Building $343,380 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective August 1, 2018 · 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 | 3 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 78% of Alabama |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 31 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber | 1,000 / 1,000 |
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