3280 Co Rd 40, Waterloo, AL 35677 Property Records

Lauderdale County property record for 3280 Co Rd 40, Waterloo, AL 35677

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,969 sqft · built 1975
Lot Size	17 acres (740,520 sqft)
Owner	Individual Name on File
Tax Bill	$751 (2025)
Deeds & Mortgages	Oct 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-03-05-0-000-015-000`

Property Details

APN / Parcel Number

Primary APN	`07-03-05-0-000-015-000`
Alternative APNs	`090878` `33488` `90878`

Interior

Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,969 sqft Adjusted Area
1st Floor Area	1,430 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1975
Exterior Material	Brick
Foundation Type	Retaining Wall
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	740,520 sqft (17 acres)

Location & Zoning

Account Number	90878
Street Address	3280 COUNTY ROAD 40
City	WATERLOO
State	AL
Zip	35677-4242
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01
Legal Description	17 AC/C DESC AS PART OF NE/4 OF SW/4 OF SEC 05 T1S R13W
Legal Range	13W
Legal Township	01S
Legal Section	05
Jurisdiction	LAUDERDALE AL
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1007
Census Tract	11300

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	3280 COUNTY ROAD 40, WATERLOO, AL 35677-4242
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 25, 2018
Deed Sale	Oct 25, 2018
Deed Document Number	0201846342
Deed Book / Page	2018 / 46342
Record Updated	Jun 8, 2026

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAUDERDALE AL
Recording Date	Oct 25, 2018
Property Address	3280 COUNTY ROAD 40, WATERLOO, AL 35677-4242
Document Number	2018/46342
Book / Page	2018 / 46342
Instrument Date	Oct 23, 2018
Transaction Type	Transfer
Record Updated	May 14, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	199 COUNTY ROAD 256, WATERLOO, AL 35677-3728

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3280 COUNTY ROAD 40, WATERLOO, AL 35677-4242

Mortgage

Document Number	2018/46346
Date	Oct 25, 2018
Book Page	2018/46346

Lender

Name	FAIRWAY INDEPENDENT MTG CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2048

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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	$751.00 (+7.44%) Homeowner's exemption	$23,120 (+6.94%)	$247,200 (+14.52%) Land $113,100 Building $134,100
2024	$699.00 (-13.38%) Homeowner's exemption	$21,620 (+84.79%) Land $9,460 Building $12,160	$215,860 (-7.25%) Land $94,400 Building $121,460
2023	$807.00 (+104.3%) Homeowner's exemption	$11,700 (+1.74%) Land $11,700	$232,740 (+102.56%) Land $117,000 Building $115,740
2022	$395.00 Homeowner's exemption	$11,500	$114,900 Land $33,900 Building $81,000

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

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	Moderate above 40% of the US · lower than 66% of Alabama
Wildfire Likelihood	0.07% 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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
AT&T DSL	100 / 20

May also be available: TVEC Connect.

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on Co Rd 40

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