300 Ramer Loop, Cottonwood, AL 36320 Property Records

Houston County property record for 300 Ramer Loop, Cottonwood, AL 36320

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,784 sqft · built 2005
Lot Size	9.9 acres (431,244 sqft)
Owner	Individual Name on Record
Tax Bill	$1,335 (2025)
Deeds & Mortgages	Jan 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-08-27-0-000-006-013`

Property Details

APN / Parcel Number

Primary APN	`19-08-27-0-000-006-013`
Alternative APNs	`48130` `73299`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,784 sqft Living Area
1st Floor Area	2,784 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2007
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	431,244 sqft (9.9 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	300 RAMER LOOP
City	COTTONWOOD
State	AL
Zip	36320-5138
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOC IN SW1/4 OF NW1/4 OF SEC 27 T1N R27E COM @ SW COR OF SEC TH E 504.92' N 223.85' TO POB TH NE 555' E 710' S ALG R/W 5 73'
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	300 RAMER LOOP, COTTONWOOD, AL 36320-5138
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Jun 8, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOUSTON AL
Property Address	300 RAMER LOOP, COTTONWOOD, AL 36320-5138
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2627/632
Date	Jan 4, 2021
Book Page	2627/632
Instrument	2627-0632

Lender

Name	FIVE STAR CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 28, 2035

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	$1,335.00 (+3.97%) Homeowner's exemption	$43,900 (+3.93%)	$438,940 (+3.94%) Land $66,800 Building $372,140
2024	$1,284.00 (+9.18%) Homeowner's exemption	$42,240 (+3.99%)	$422,300 (+3.99%) Land $66,800 Building $355,500
2023	$1,176.00 (+23.14%) Homeowner's exemption	$40,620 (+22.64%)	$406,100 (+22.65%) Land $53,400 Building $352,700
2022	$955.00 Homeowner's exemption	$33,120	$331,100 Land $53,400 Building $277,700

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	Moderate above 45% of the US · above 50% of Alabama
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
C Spire Wireless Fiber	2,000 / 2,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Ramer Loop

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