Houston County property record for 2868 Ramer Loop, Cottonwood, AL 36320
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,938 sqft · built 2002 |
| Lot Size | 3 acres (130,680 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $2,302 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 19-08-27-0-000-006-025 |
| Primary APN | 19-08-27-0-000-006-025 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,938 sqft Living Area |
| 1st Floor Area | 2,298 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 130,680 sqft (3 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 1 Parking Space |
| Total Buildings | 2 Buildings |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2868 RAMER LOOP |
|---|---|
| City | COTTONWOOD |
| State | AL |
| Zip | 36320-5148 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOC IN SW QTR OF SW QTR OF SEC 27 T1N R27E COM @ SE COR OF SEC TH N 331.18' TO POB TH W 399.43 ' N ALG R/W 328.38' E 399.34' |
| Legal Range | 27E |
| Legal Township | 01N |
| Legal Section | 27 |
| Jurisdiction | HOUSTON AL |
| Township / Civil Division | COTTONWOOD |
| Census Block Group | 3 |
| Census Block | 3040 |
| Census Tract | 42000 |
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 | 2868 RAMER LOOP, COTTONWOOD, AL 36320-5148 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
Source: Houston County assessment roll, as of May 12, 2026
| Type | Name |
|---|---|
| State | Alabama |
| County | Houston County |
| Unified School District | Houston County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,302.00 (+4.26%) | $72,340 (+4.39%) | $361,680 (+4.38%) Land $23,200 Building $338,480 |
| 2024 | $2,208.00 (+8.02%) | $69,300 (+3.03%) | $346,500 (+3.03%) Land $23,200 Building $323,300 |
| 2023 | $2,044.00 (+24.26%) | $67,260 (+25.16%) | $336,300 (+25.16%) Land $18,500 Building $317,800 |
| 2022 | $1,645.00 | $53,740 | $268,700 Land $18,500 Building $250,200 |
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 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · lower than 76% 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 1 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| WOW Internet, Cable & Phone DSL | 25 / 3 |
4G LTE (outdoors only), no 5G reported
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