Lauderdale County property record for 3115 Co Rd 40, Waterloo, AL 35677
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,440 sqft · built 1988 |
| Lot Size | 5 acres (217,800 sqft) |
| Owner | 2 Individual Names on File |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-03-05-0-000-014-001 |
| Primary APN | 07-03-05-0-000-014-001 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,440 sqft Living Area |
| 1st Floor Area | 1,440 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1988 |
|---|---|
| Exterior Material | Wood |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 217,800 sqft (5 acres) |
| Garage Area | 520 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 16919 |
|---|---|
| Street Address | 3115 COUNTY ROAD 40 |
| City | WATERLOO |
| State | AL |
| Zip | 35677-4231 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 01 |
| Legal Description | 5 AC/C IN NE/4 OF SW/4 SEC 5 T1S R13W FI 94-121 FR 36 |
| Legal Range | 13W |
| Legal Township | 01S |
| Legal Section | 05 |
| Jurisdiction | LAUDERDALE AL |
| Township / Civil Division | WATERLOO |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 11300 |
3115 Co Rd 40 is owned and occupied by two individuals.
Source: Lauderdale County records, as of November 21, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3115 COUNTY ROAD 40, WATERLOO, AL 35677-4231 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
Source: Lauderdale County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | Alabama |
| County | Lauderdale County |
| Unified School District | Lauderdale County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | Homeowner's exemption Senior Citizen's exemption | $15,660 | $164,540 Land $39,500 Building $125,040 |
| 2023 | Homeowner's exemption | $4,040 Land $4,040 | $148,180 Land $40,400 Building $107,780 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3115 Co Rd 40 in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2003.
Source: FEMA National Flood Hazard Layer, effective August 1, 2018 · 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 | 1 in force |
| Nearby Flood Claims | 1 (2003) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | May 2003 · Severe Storms, Tornadoes, And Flooding |
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 risk around 3115 Co Rd 40 is moderate, ranking above 40% of the US, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 40% of the US · lower than 66% of Alabama |
|---|---|
| Wildfire Likelihood | 0.07% 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) |
|---|---|
| Spectrum Fiber | 1,000 / 1,000 |
4G LTE (outdoors only), no 5G reported
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