320 Main St, Waterloo, AL 35677 Property Records

Lauderdale County property record for 320 Main St, Waterloo, AL 35677 · Last verified December 2025

Property Summary

Property Type	Bank, Financial Building
Details	2,937 sqft · built 1955
Lot Size	0.103 acres (4,500 sqft)
Owner	2 Company Names on File
Tax Bill	$2,492 (2025)
Flood Zone	Zone X (minimal risk)
APN	`11-01-01-4-001-002-000`

Property Details

APN / Parcel Number

Primary APN	`11-01-01-4-001-002-000`
Alternative APNs	`027315` `39897` `27315`

Interior

Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,937 sqft Total Area
1st Floor Area	2,937 sqft
Flooring	Carpet
Interior Walls	Wood

Exterior

Year Built	Built 1955
Exterior Material	Brick
Fire Resistance	Wood or Wood & Steel Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Flat
Roof Material	Metal
Lot Area	4,500 sqft
Lot Dimensions	75 ft deep x 60 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	27315
Street Address	320 MAIN ST
City	WATERLOO
State	AL
Zip	35677-4401
Property Category	Commercial
Property Type	Commercial > Office > Bank, Financial Building
Legal Description	60 X 221.2 IRR PT NE/4 OF SE/4 SEC 1
Legal Range	15W
Legal Township	03S
Legal Section	01
Jurisdiction	LAUDERDALE AL
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1036
Census Tract	11300

Owner

Source: Lauderdale County records · APN 11-01-01-4-001-002-000

Assessment roll updated January 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on File
Mailing Address	PO BOX 128, WATERLOO, AL 35677-0128
Owner Type	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Updated	Jun 08, 2026

Tax Assessment & Valuation

Source: Lauderdale County records · Assessment roll updated January 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Alabama
County	Lauderdale County
Municipality	Waterloo Town
Unified School District	Lauderdale County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,492.00 (+6.95%)	$60,800 (+6.97%)	$314,500 (+10.65%) Land $5,800 Building $308,700
2024	$2,330.00 (+2.73%)	$56,840 (+6,215.56%) Land $960 Building $55,880	$284,220 (+5.03%) Land $4,800 Building $279,420
2023	$2,268.00 (+58.6%)	$900 (-97.33%) Land $900	$270,620 (+60.8%) Land $4,500 Building $266,120
2022	$1,430.00	$33,660	$168,300 Land $4,900 Building $163,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Lauderdale County (01077C), updated August 1, 2018 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 010770113001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Nearby Flood Claims	1 (2003)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2003, river or lake flooding, Severe Storms, Tornadoes, And Flooding
Nearby Flood Policies	1 in force 1 of 1 on primary residences
Flood Insurance Cost	Premium on Record median of 1 individual NFIP policies nearby

Wildfire

Wildfire Risk	Low above 34% of the US · above 17% of Alabama
Wildfire Likelihood	About 1 in 2,778 per year
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.