Morgan County property record for 313 Water Tower Loop, Laceys Spring, AL 35754
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,049 sqft · built 2022 |
| Lot Size | 0.9 acres (39,204 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $205,000 (Sep 2021) |
| Tax Bill | $822 (2025) |
| Deeds & Mortgages | Oct 2010 Mortgage Nov 2005 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-07-25-0-001-035.001 |
| Primary APN | 09-07-25-0-001-035.001 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,049 sqft Living Area |
| 1st Floor Area | 1,049 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 39,204 sqft (0.9 acres) |
| Garage Type | Mixed |
| Garage Area | 900 sqft |
| Parking Spaces | 4 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 125886 |
|---|---|
| Street Address | 313 WATER TOWER LOOP |
| City | LACEYS SPRING |
| State | AL |
| Zip | 35754-6327 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | A PART OF LOT 27, C C HULLETT SUBDIVISION PB 4, PG 38, BEG AT NE COR OF SAID LOT 27, TH NW'LY 100', TH SW'LY 267.51', TH SE'L |
| Legal Range | 1W |
| Legal Township | 6S |
| Legal Section | 25 |
| Legal Subdivision | HULLETT SUB |
| Legal Lot Number | 27 |
| Jurisdiction | MORGAN AL |
| Township / Civil Division | LACEYS SPRING |
| Census Block Group | 1 |
| Census Block | 1032 |
| Census Tract | 5703 |
Source: Morgan County records · APN 09-07-25-0-001-035.001
Assessment roll updated June 19, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 313 WATER TOWER LOOP, LACEYS SPRING, AL 35754-6327 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 06, 2010 | Deed of Trust, Mortgage · Conventional Mortgage REDSTONE FCU |
| Nov 15, 2005 | Deed of Trust, Mortgage · ARM AMERIQUEST MORTGAGE CO |
| Jun 09, 2006 | Deed of Trust, Mortgage · Line of Credit AMERICAN GENERAL FNCL SVCS OF ALABAMAN I |
| Sep 16, 2021 | Warranty Deed, Transfer · VA Mortgage FIRST COMMUNITY MORTGAGE INC |
| Sep 16, 2021 | Warranty Deed, Transfer · VA Mortgage FIRST COMMUNITY MORTGAGE INC |
| Jun 20, 2008 | Warranty Deed, Transfer · FHA Mortgage HAMILTON MORTGAGE CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 16, 2021 · Amount on Record |
| Deed Sale | Sep 16, 2021 · Amount on Record |
| Prior Sale | Jun 20, 2008 · Amount on Record |
| Deed Book / Page | 2021 / 9734 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MORGAN AL |
| Property Address | 313 WATER TOWER LOOP, LACEYS SPRING, AL 35754-6327 |
| Transaction Type | Mortgage |
| Record Updated | Jun 19, 2026 |
| Name | Verified Name |
|---|
| Document Number | 2010/31255 |
|---|---|
| Date | Oct 06, 2010 |
| Book Page | 2010/31255 |
| Name | REDSTONE FCU |
|---|---|
| Address | HUNTSVILLE, AL 35893 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MORGAN AL |
| Property Address | 313 WATER TOWER LOOP, LACEYS SPRING, AL 35754-6327 |
| Transaction Type | Mortgage |
| Record Updated | Jun 19, 2026 |
| Name | Verified Name |
|---|
| Document Number | 2005/64080 |
|---|---|
| Date | Nov 15, 2005 |
| Book Page | 2005/64080 |
| Name | AMERIQUEST MORTGAGE CO |
|---|---|
| Type | Subprime Lender |
| Address | ORANGE, CA 92868 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2035 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.75% |
| Type Change Date | Dec 01, 2008 |
| Change Frequency | 6 Months |
| Min Rate At Change | 7.75% |
| Max Rate At Change | 9.75% |
| Index | 6-Month LIBOR |
| Max Rate | 13.7% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MORGAN AL |
| Property Address | 313 WATER TOWER LOOP, LACEYS SPRING, AL 35754-6327 |
| Transaction Type | Mortgage |
| Record Updated | Jun 19, 2026 |
| Name | Verified Name |
|---|
| Document Number | 2006/28724 |
|---|---|
| Date | Jun 09, 2006 |
| Book Page | 2006/28724 |
| Name | AMERICAN GENERAL FNCL SVCS OF ALABAMAN I |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MORGAN AL |
| Recording Date | Sep 16, 2021 |
| Property Address | 313 WATER TOWER LOOP, LACEYS SPRING, AL 35754-6327 |
| Document Number | 02021/9734 |
| Book / Page | 2021 / 9734 |
| Map Reference | MB 4 PG 38 |
| Instrument Date | Aug 31, 2021 |
| Transaction Type | Transfer |
| Record Updated | Apr 30, 2024 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 511 BAIN DR SE, HUNTSVILLE, AL 35803-1174 |
| Name | Verified Name |
|---|---|
| Address | 313 WATER TOWER LOOP, LACEYS SPRING, AL 35754-6327 |
| Investor | Possibly a Property Investor |
| Document Number | 2021/51752 |
|---|---|
| Date | Sep 16, 2021 |
| Book Page | 2021/51752 |
| Name | FIRST COMMUNITY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | MURFREESBORO, TN 37129 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MORGAN AL |
| Recording Date | Sep 16, 2021 |
| Property Address | 313 WATER TOWER LOOP, LACEYS SPRING, AL 35754-6327 |
| Document Number | 02021/9734 |
| Book / Page | 2021 / 9734 |
| Map Reference | MB 4 PG 38 |
| Instrument Date | Aug 31, 2021 |
| Transaction Type | Transfer |
| Record Updated | Jun 19, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 511 BAIN DR SE, HUNTSVILLE, AL 35803-1174 |
| Name | Verified Name |
|---|---|
| Address | 313 WATER TOWER LOOP, LACEYS SPRING, AL 35754-6327 |
| Investor | Possibly a Property Investor |
| Document Number | 0202151752 |
|---|---|
| Date | Sep 16, 2021 |
| Instrument | 2021/51752 |
| Name | FIRST COMMUNITY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MORGAN AL |
| Recording Date | Jun 20, 2008 |
| Property Address | 313 WATER TOWER LOOP, LACEYS SPRING, AL 35754-6327 |
| Document Number | 2008/04111 |
| Book / Page | 2008 / 04111 |
| Map Reference | MB4 PG38 |
| Instrument Date | Jun 16, 2008 |
| Transaction Type | Transfer |
| Record Updated | Jun 19, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $3.00 |
| Amount Accuracy | Partially Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0200828149 |
|---|---|
| Date | Jun 20, 2008 |
| Instrument | 2008/28149 |
| Name | HAMILTON MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2038 |
Source: Morgan County records · Assessment roll updated June 19, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Alabama |
| County | Morgan County |
| Unified School District | Morgan County School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $822.00 | $11,000 (-) Land $1,690 Building $9,310 | $110,000 (-) Land $16,900 Building $93,100 |
| 2024 | $11,000 (+4.46%) Land $1,690 Building $9,310 | $110,000 (+4.46%) Land $16,900 Building $93,100 | |
| 2023 | $822.00 (+10.19%) | $10,530 (+7.34%) Land $1,560 Building $8,970 | $105,300 (+7.34%) Land $15,600 Building $89,700 |
| 2022 | $746.00 | $9,810 Land $1,420 Building $8,390 | $98,100 Land $14,200 Building $83,900 |
Source: FEMA National Flood Hazard Layer, Morgan County (01103C), as of July 4, 2022 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 011030057031, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 |
|
| 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 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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| GoNetspeed Fiber | 1,000 / 1,000 |
May also be available: Verizon.
Based on FCC filings for 63 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system AL0000951, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | UNION GROVE UTILITY BOARD serves 3,072 people |
|---|---|
| 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 |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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