322 Sullivan St, Waterloo, AL 35677 Property Records

Lauderdale County property record for 322 Sullivan St, Waterloo, AL 35677

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,244 sqft · built 1967
Lot Size	0.939 acres (40,946 sqft)
Owner	Individual Name on Record
Last Sale	$134,900 (Aug 2022)
Tax Bill	$527 (2025)
Deeds & Mortgages	Feb 2024 Mortgage Aug 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11-01-01-1-002-020-000`

Property Details

APN / Parcel Number

Primary APN	`11-01-01-1-002-020-000`
Alternative APNs	`101877` `078110` `23405`

Interior

Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,244 sqft Living Area
1st Floor Area	2,244 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1967
Exterior Material	Aluminum Siding
Foundation Type	Retaining Wall
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	40,946 sqft (0.939 acres)
Lot Dimensions	160 ft deep x 100 ft wide
Utility Building	216 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	101877
Street Address	322 SULLIVAN ST
City	WATERLOO
State	AL
Zip	35677-4311
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	06
Legal Description	270 X 160 IRR BEING PT OF SW/4 OF NE/4 SEC 01 T2S R15W BEG @ A PT 20E OF NW COR OF SW/4 OF NE/4 E 160 S 200 W 30 S 70S W 130
Legal Range	15W
Legal Township	02S
Legal Section	01
Jurisdiction	LAUDERDALE AL
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1070
Census Tract	11300

Owner

Source: Lauderdale County records, as of November 24, 2025

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
Co-owner	Co-owner on Record
Mailing Address	322 SULLIVAN ST, WATERLOO, AL 35677-4311
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 7, 2024	Deed of Trust, Mortgage · FHA Mortgage HUD
Aug 17, 2022	Survivorship Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MTG CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 17, 2022 · Amount on Record
Deed Sale	Aug 17, 2022 · Amount on Record
Deed Document Number	0202245868
Deed Book / Page	2022 / 45868
Record Updated	Jun 8, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAUDERDALE AL
Property Address	322 SULLIVAN ST, WATERLOO, AL 35677-4311
Transaction Type	Mortgage
Record Updated	Feb 21, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02024/3866
Date	Feb 7, 2024
Book Page	2024/3866

Lender

Name	HUD
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Sep 1, 2052

August 2022: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	LAUDERDALE AL
Recording Date	Aug 17, 2022
Property Address	322 SULLIVAN ST, WATERLOO, AL 35677-4311
Document Number	2022/45868
Book / Page	2022 / 45868
Map Reference	MB 2002 PG 60424
Instrument Date	Aug 15, 2022
Transaction Type	Transfer
Record Updated	Aug 31, 2022

Transaction

Amount	Amount Recorded
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	800 OLD LEE HWY, 800, TUSCUMBIA, AL 35674-3525

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	322 SULLIVAN ST, WATERLOO, AL 35677-4311

Mortgage

Document Number	202245870202245870
Date	Aug 17, 2022
Instrument	2022/45870202245870

Lender

Name	FAIRWAY INDEPENDENT MTG CORP

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$527.00 (+7.11%) Homeowner's exemption	$13,040 (+6.89%)	$135,400 (+11.04%) Land $8,700 Building $126,700
2024	$492.00 (+5.13%) Homeowner's exemption	$12,200 (+1,694.12%) Land $720 Building $11,480	$121,940 (+5.03%) Land $7,200 Building $114,740
2023	$468.00 (+34.87%) Homeowner's exemption	$680 (-92.15%) Land $680	$116,100 (+34.22%) Land $6,800 Building $109,300
2022	$347.00 Homeowner's exemption	$8,660	$86,500 Land $7,400 Building $79,100

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

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

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

Wildfire Risk	Low lower than 62% of the US · lower than 76% of Alabama
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
AT&T DSL · Fiber in parts of the area	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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