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

Morgan County property record for 295 Water Tower Loop, Laceys Spring, AL 35754

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,128 sqft · built 1987
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on Record
Last Sale	$160,000 (Jan 2022)
Tax Bill	$612 (2025)
Deeds & Mortgages	Jan 2022 Sale & Mortgage Aug 2021 Sale & Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-07-25-0-001-034.000`

Property Details

APN / Parcel Number

Primary APN	`09-07-25-0-001-034.000`
Alternative APNs	`162500` `20469`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,128 sqft Living Area
1st Floor Area	1,128 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)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	162500
Street Address	295 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 6 PLAT BOOK 5 PAGE 89
Legal Range	1W
Legal Township	6S
Legal Section	25
Legal Subdivision	MORGAN HEIGHTS
Legal Lot Number	6
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	295 WATER TOWER LOOP, LACEYS SPRING, AL 35754-6329
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 19, 2022	Deed, Transfer · VA Mortgage CB&S BANK INC
Aug 20, 2021	Deed, Transfer · Line of Credit BRYANT BANK
Aug 20, 2021	Deed, Transfer · Line of Credit BRYANT BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 19, 2022 · Amount on Record
Deed Sale	Jan 19, 2022 · Amount on Record
Deed Book / Page	2022 / 681
Record Updated	Sep 20, 2026

January 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	MORGAN AL
Recording Date	Jan 19, 2022
Property Address	295 WATER TOWER LOOP, LACEYS SPRING, AL 35754-6329
Document Number	002022/681
Book / Page	2022 / 681
Map Reference	MB 5 PG 89
Instrument Date	Dec 13, 2021
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	PO BOX 12825, HUNTSVILLE, AL 35815-2825

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	295 WATER TOWER LOOP, LACEYS SPRING, AL 35754-6329

Mortgage

Document Number	0020223481
Date	Jan 19, 2022
Instrument	2022/3481

Lender

Name	CB&S BANK INC
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

August 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	MORGAN AL
Recording Date	Aug 20, 2021
Property Address	295 WATER TOWER LOOP, LACEYS SPRING, AL 35754-6329
Document Number	02021/8700
Book / Page	2021 / 8700
Map Reference	MB 5 PG 89
Instrument Date	Aug 11, 2021
Transaction Type	Transfer
Record Updated	Jun 29, 2023

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 12825, HUNTSVILLE, AL 35815-2825

Mortgage

Document Number	2021/46696
Date	Aug 23, 2021
Book Page	2021/46696

Lender

Name	BRYANT BANK
Type	Bank
Address	HUNTSVILLE, AL 35802

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

August 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	MORGAN AL
Recording Date	Aug 20, 2021
Property Address	295 WATER TOWER LOOP, LACEYS SPRING, AL 35754-6329
Document Number	02021/8700
Book / Page	2021 / 8700
Map Reference	MB 5 PG 89
Instrument Date	Aug 11, 2021
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 from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 12825, HUNTSVILLE, AL 35815-2825
Investor	Possibly a Property Investor

Mortgage

Document Number	0202146696
Date	Aug 20, 2021
Instrument	2021/46696

Lender

Name	BRYANT BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	$612.00	$8,190 (-) Land $560 Building $7,630	$81,900 (-) Land $5,600 Building $76,300
2024		$8,190 (+3.93%) Land $560 Building $7,630	$81,900 (+3.93%) Land $5,600 Building $76,300
2023	$612.00 (+11.27%)	$7,880 (-46.47%) Land $520 Building $7,360	$78,800 (+7.07%) Land $5,200 Building $73,600
2022	$550.00	$14,720 Land $940 Building $13,780	$73,600 Land $4,700 Building $68,900

Assessed value is set for property tax purposes, not a market price estimate; it is 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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