281 Water Tower Loop, Laceys Spring, AL 35754 Property Records

Morgan County property record for 281 Water Tower Loop, Laceys Spring, AL 35754

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,218 sqft · built 1987
Lot Size	0.4 acres (17,424 sqft)
Owner	Individual Name on Record
Last Sale	$100,000 (May 2020)
Tax Bill	$390 (2025)
Deeds & Mortgages	Dec 2006 Mortgage Nov 2025 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`09-07-25-0-001-032.000`

Property Details

APN / Parcel Number

Primary APN	`09-07-25-0-001-032.000`
Alternative APNs	`166762` `20467`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,218 sqft Living Area
1st Floor Area	1,218 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	17,424 sqft (0.4 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	166762
Street Address	281 WATER TOWER LOOP
City	LACEYS SPRING
State	AL
Zip	35754-6329
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUB MORGAN HEIGHTS LOT 8 PLAT BOOK 5 PAGE 89
Legal Range	1W
Legal Township	6S
Legal Section	25
Legal Subdivision	MORGAN HEIGHTS S/D
Legal Lot Number	8
Jurisdiction	MORGAN AL
Township / Civil Division	LACEYS SPRING
Census Block Group	1
Census Block	1032
Census Tract	5703

Owner

Source: Morgan County records, as of July 2, 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	281 WATER TOWER LOOP, LACEYS SPRING, AL 35754-6329
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 27, 2006	Deed of Trust, Mortgage · Conventional Mortgage FIRST FRANKLIN FINANCIAL CORP
Nov 20, 2025	Deed of Trust, Mortgage · Line of Credit REDSTONE FCU
Oct 15, 2021	Deed, Transfer · Conventional Mortgage CERTAINTY HOME LOANS LLC
May 15, 2020	Warranty Deed, Transfer · FHA Mortgage FIRSTBANK
Jan 22, 2020	Warranty Deed, Transfer · Conventional Mortgage FIRSTBANK
Apr 5, 2017	Warranty Deed, Transfer
Dec 1, 2015	Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 15, 2020 · Amount on Record
Deed Sale	May 15, 2020 · Amount on Record
Prior Sale	Jan 22, 2020 · Amount on Record
Deed Book / Page	2020 / 3952
Record Updated	Sep 20, 2026

December 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN AL
Property Address	281 WATER TOWER LOOP, LACEYS SPRING, AL 35754-6329
Transaction Type	Mortgage
Record Updated	Jun 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2006/66812
Date	Dec 27, 2006
Book Page	2006/66812

Lender

Name	FIRST FRANKLIN FINANCIAL CORP
Type	Subprime Lender
Address	SAN JOSE, CA 95131

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2037

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN AL
Property Address	281 WATER TOWER LOOP, LACEYS SPRING, AL 35754-6329
Transaction Type	Mortgage
Record Updated	Jun 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2025/47446
Date	Nov 20, 2025
Book Page	2025/47446

Lender

Name	REDSTONE FCU
Type	Credit Union
Address	HUNTSVILLE, AL 35893

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 19, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	MORGAN AL
Recording Date	Oct 15, 2021
Property Address	281 WATER TOWER LOOP, LACEYS SPRING, AL 35754-6329
Document Number	2021/10998
Book / Page	2021 / 10998
Map Reference	MB 5 PG 89
Instrument Date	Oct 13, 2021
Transaction Type	Transfer
Record Updated	Jun 19, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	138 AMSTERDAM PL, MADISON, AL 35758-6868

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	281 WATER TOWER LOOP, LACEYS SPRING, AL 35754-6329

Mortgage

Document Number	0202158178
Date	Oct 15, 2021
Instrument	2021/58178

Lender

Name	CERTAINTY HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MORGAN AL
Recording Date	May 15, 2020
Property Address	281 WATER TOWER LOOP, LACEYS SPRING, AL 35754-6329
Document Number	02020/3952
Book / Page	2020 / 3952
Map Reference	MB 5 PG 89
Instrument Date	May 15, 2020
Transaction Type	Transfer
Record Updated	Jun 19, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	408 TAMMY ST SW # SW1, SW1, DECATUR, AL 35603-1670

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020/19116
Date	May 15, 2020
Book Page	2020/19116

Lender

Name	FIRSTBANK
Type	Bank
Address	FRANKLIN, TN 37067

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MORGAN AL
Recording Date	Jan 22, 2020
Property Address	281 WATER TOWER LOOP, LACEYS SPRING, AL 35754-6329
Document Number	2020/00552
Book / Page	2020 / 00552
Map Reference	MB 5 PG 89
Instrument Date	Jan 16, 2020
Transaction Type	Transfer
Record Updated	Jun 19, 2026

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	565 8TH ST NW, ARAB, AL 35016-1893

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	281 WATER TOWER LOOP, LACEYS SPRING, AL 35754-6329

Mortgage

Document Number	2020/02277
Date	Jan 21, 2020
Book Page	2020/02277

Lender

Name	FIRSTBANK
Type	Bank
Address	FRANKLIN, TN 37067

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MORGAN AL
Recording Date	Apr 5, 2017
Property Address	281 WATER TOWER LOOP, LACEYS SPRING, AL 35754-6329
Document Number	2017/02878
Book / Page	2017 / 02878
Map Reference	MB 5 PG 89
Instrument Date	Mar 30, 2017
Transaction Type	Transfer
Record Updated	Jun 19, 2026

Transaction

Amount	Amount Recorded
Tax	$1.50
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	313 WATER TOWER LOOP, LACEYS SPRING, AL 35754-6327

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	281 WATER TOWER LOOP, LACEYS SPRING, AL 35754-6329

December 2015: Foreclosure

Document Type	Foreclosure
Jurisdiction	MORGAN AL
Recording Date	Dec 1, 2015
Property Address	281 WATER TOWER LOOP, LACEYS SPRING, AL 35754-6329
Document Number	2015/10332
Book / Page	2015 / 10332
Map Reference	MB 5 PG 89
Instrument Date	Nov 17, 2015
Transaction Type	Foreclosure
Record Updated	Jun 19, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Verified / From Affidavit

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3815 SW TEMPLE, SOUTH SALT LAKE, UT 84115-4412
Mail Care Of	PORTFOLIO SERVICING INC
Investor	Possibly a Property Investor

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	$390.00 (+4.28%)	$11,870 (-) Land $750 Building $11,120	$118,700 (-) Land $7,500 Building $111,200
2024		$11,870 (+3.85%) Land $750 Building $11,120	$118,700 (+3.85%) Land $7,500 Building $111,200
2023	$374.00 (-50.33%) Homeowner's exemption	$11,430 (+13.39%) Land $700 Building $10,730	$114,300 (+13.39%) Land $7,000 Building $107,300
2022	$753.00	$10,080 Land $630 Building $9,450	$100,800 Land $6,300 Building $94,500

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 63% of the US · lower than 77% of Alabama
Wildfire Likelihood	0.06% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	UNION GROVE UTILITY BOARD serves 3,072 people · EPA ID AL0000951
Water Source	Purchased surface water from CITY OF ARAB, WATER WORKS BOARD OF THE
Last State Inspection	Feb 2026
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Coliform assessment Jul 2022
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 63 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
GoNetspeed Fiber	1,000 / 1,000

May also be available: Verizon.

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