230 Ramer Loop, Cottonwood, AL 36320 Property Records

Houston County property record for 230 Ramer Loop, Cottonwood, AL 36320

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,940 sqft · built 1978
Lot Size	3 acres (130,680 sqft)
Owner	Individual Name on Record
Tax Bill	$559 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Jul 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-08-27-0-000-006-003`

Property Details

APN / Parcel Number

Primary APN	`19-08-27-0-000-006-003`
Alternative APNs	`48120` `64424`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	1 Story
Building Area	1,940 sqft Living Area
1st Floor Area	1,940 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1990
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	130,680 sqft (3 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	230 RAMER LOOP
City	COTTONWOOD
State	AL
Zip	36320-5100
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT OF SW QTR OF NW QTR BEG WHER E S LINE INTS W ROW OF UNPAVED CO RD S27 T1 R27
Legal Range	27E
Legal Township	01N
Legal Section	27
Jurisdiction	HOUSTON AL
Township / Civil Division	COTTONWOOD
Census Block Group	3
Census Block	3039
Census Tract	42000

Owner

Source: Houston County records, as of May 12, 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	230 RAMER LOOP, COTTONWOOD, AL 36320-5100
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 21, 2020	Deed of Trust, Mortgage · VA Mortgage LOAN DEPOT INC
Jul 8, 2019	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Jun 8, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOUSTON AL
Property Address	230 RAMER LOOP, COTTONWOOD, AL 36320-5100
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2570/331
Date	Apr 21, 2020
Book Page	2570/331
Instrument	2570-0331

Lender

Name	LOAN DEPOT INC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2050

Interest

Rate Type	Fixed Rate

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOUSTON AL
Property Address	230 RAMER LOOP, COTTONWOOD, AL 36320-5100
Transaction Type	Mortgage
Record Updated	Jul 24, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2526/146
Date	Jul 8, 2019
Book Page	2526/146
Instrument	2526-0146

Lender

Name	NEW DAY FINANCIAL LLC
Type	Funding / Finance Company

Agreement

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

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Houston County assessment roll, as of May 12, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$559.00 (+4.29%) Homeowner's exemption	$18,840 (+4.09%)	$188,320 (+4.04%) Land $24,400 Building $163,920
2024	$536.00 (+8.5%) Homeowner's exemption	$18,100 (+3.43%)	$181,000 (+3.49%) Land $24,400 Building $156,600
2023	$494.00 (+24.75%) Homeowner's exemption	$17,500 (+23.24%)	$174,900 (+23.34%) Land $19,500 Building $155,400
2022	$396.00 Homeowner's exemption	$14,200	$141,800 Land $19,500 Building $122,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective July 14, 2020 · 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
Nearby Flood Claims	2 (2009–2013)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Feb 2013 · rainfall accumulation

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 62% of the US · lower than 74% of Alabama
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
C Spire Wireless Fiber	10,000 / 10,000

Cell Coverage

5G and 4G LTE (outdoors only)

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