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

Morgan County property record for 289 Water Tower Loop, Laceys Spring, AL 35754

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,240 sqft · built 1987
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on Record
Tax Bill	$340 (2025)
Deeds & Mortgages	Jul 2023 Line of Credit Oct 2011 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`09-07-25-0-001-033.000`

Property Details

APN / Parcel Number

Primary APN	`09-07-25-0-001-033.000`
Alternative APNs	`20468` `65294`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,240 sqft Living Area
1st Floor Area	1,240 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	13,068 sqft (0.3 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	65294
Street Address	289 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 7 PLAT BOOK 5 PAGE 89
Legal Range	1W
Legal Township	6S
Legal Section	25
Legal Subdivision	MORGAN HEIGHTS S/D
Legal Lot Number	7
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	289 WATER TOWER LOOP, LACEYS SPRING, AL 35754-6329
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 3, 2023	Deed of Trust, Mortgage · Line of Credit PEOPLES BANK OF ALABAMA
Oct 13, 2011	Deed of Trust, Mortgage · FHA Mortgage BANK OF AMERICA NA
Sep 17, 2008	Deed of Trust, Mortgage · FHA Mortgage COUNTRYWIDE BANK FSB
May 4, 2015	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN AL
Property Address	289 WATER TOWER LOOP, LACEYS SPRING, AL 35754-6329
Transaction Type	Mortgage
Record Updated	Jun 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	289 WATER TOWER LOOP, LACEYS SPRING, AL 35754-6329

Mortgage

Document Number	2023/20905
Date	Jul 3, 2023
Book Page	2023/20905

Lender

Name	PEOPLES BANK OF ALABAMA
Type	Bank
Address	CULLMAN, AL 35055

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	59 Months
Due	Jun 10, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN AL
Property Address	289 WATER TOWER LOOP, LACEYS SPRING, AL 35754-6329
Transaction Type	Mortgage
Record Updated	Jun 19, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SERV

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	2011/30225
Date	Oct 13, 2011
Book Page	2011/30225

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Jul 1, 2041

September 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN AL
Property Address	289 WATER TOWER LOOP, LACEYS SPRING, AL 35754-6329
Transaction Type	Mortgage
Record Updated	Jun 19, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE LFC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2008/39779
Date	Sep 17, 2008
Book Page	2008/39779

Lender

Name	COUNTRYWIDE BANK FSB
Type	Bank
Address	ALEXANDRIA, VA 22314

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Aug 1, 2038

May 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN AL
Property Address	289 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	2015/12741
Date	May 4, 2015
Book Page	2015/12741

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	204 Months
Due	May 1, 2032

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	$340.00	$11,910 (-) Land $560 Building $11,350	$119,100 (-) Land $5,600 Building $113,500
2024		$11,910 (+3.84%) Land $560 Building $11,350	$119,100 (+3.84%) Land $5,600 Building $113,500
2023	$340.00 (+11.84%) Homeowner's exemption	$11,470 (+7%) Land $520 Building $10,950	$114,700 (+7%) Land $5,200 Building $109,500
2022	$304.00 Homeowner's exemption	$10,720 Land $470 Building $10,250	$107,200 Land $4,700 Building $102,500

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.

Nearby Properties on Water Tower Loop

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures