3201 Co Rd 90, Waterloo, AL 35677 Property Records

Lauderdale County property record for 3201 Co Rd 90, Waterloo, AL 35677

Property Summary

Property Type	Single Family Home
Details	5 ba · 3,511 sqft · built 2014
Lot Size	8.26 acres (359,806 sqft)
Owner	Individual Name on File
Last Sale	$605,000 (Nov 2021)
Tax Bill	$2,738 (2025)
Deeds & Mortgages	Nov 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-05-21-0-000-003-001`

Property Details

APN / Parcel Number

Primary APN	`08-05-21-0-000-003-001`
Alternative APNs	`102263` `081268` `81409`

Interior

Full Baths	5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,511 sqft Living Area
1st Floor Area	2,282 sqft
2nd Floor Area	1,229 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplace	Fireplace

Exterior

Year Built	Built 2014
Exterior Material	Brick
Foundation Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	359,806 sqft (8.26 acres)
Pool Type	In-Ground Vinyl Pool
Pool Area	640 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	102263
Street Address	3201 COUNTY ROAD 90
City	WATERLOO
State	AL
Zip	35677-3199
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	8.26 AC/D IN NE/4 OF SW/4 SEC 21 T1S R14W
Legal Range	14W
Legal Township	01S
Legal Section	21
Jurisdiction	LAUDERDALE AL
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1083
Census Tract	11300

Owner

3201 Co Rd 90 is owned and occupied by an individual who bought it in November 2021.

Source: Lauderdale County records, as of November 21, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	3201 COUNTY ROAD 90, WATERLOO, AL 35677-3199
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 29, 2021 · Amount on File
Deed Sale	Nov 29, 2021 · Amount on File
Deed Document Number	0202174385
Deed Book / Page	2021 / 74385
Record Updated	Jun 8, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAUDERDALE AL
Recording Date	Nov 29, 2021
Property Address	3201 COUNTY ROAD 90, WATERLOO, AL 35677-3199
Document Number	2021/74385
Book / Page	2021 / 74385
Instrument Date	Nov 16, 2021
Transaction Type	Transfer
Record Updated	May 30, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2208 MARIETTA AVE, MUSCLE SHOALS, AL 35661-2620

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3201 COUNTY ROAD 90, WATERLOO, AL 35677-3199

Mortgage

Document Number	2021/74387
Date	Nov 29, 2021
Book Page	2021/74387

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2051

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 3201 Co Rd 90 was $2,738 with a homeowner's exemption, up 5.2% from the year before.

Source: Lauderdale County assessment roll, as of January 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,738.00 (+5.19%) Homeowner's exemption	$79,880 (+5.08%)	$798,600 (+5.08%) Land $62,500 Building $736,100
2024	$2,603.00 (+1.01%) Homeowner's exemption	$76,020 (+1,073.15%) Land $5,260 Building $70,760	$759,960 (+2.89%) Land $52,500 Building $707,460
2023	$2,577.00 (+40.51%) Homeowner's exemption	$6,480 (-87.69%) Land $6,480	$738,620 (+40.32%) Land $64,800 Building $673,820
2022	$1,834.00 Homeowner's exemption	$52,640	$526,400 Land $44,200 Building $482,200

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 3201 Co Rd 90 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

Wildfire risk around 3201 Co Rd 90 is moderate, ranking above 46% of the US, with a 0.09% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 46% of the US · above 51% of Alabama
Wildfire Likelihood	0.09% 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 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Co Rd 90

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