33 Smith Cir, Waterloo, AL 35677 Property Records

Lauderdale County property record for 33 Smith Cir, Waterloo, AL 35677 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	1 ba · 920 sqft · built 1977
Lot Size	0.419 acres (18,295 sqft)
Owner	Individual Name on File
Last Sale	$130,000 (Oct 2018)
Tax Bill	$1,320 (2025)
Deeds & Mortgages	Oct 2018 Mortgage Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11-01-01-0-001-022-000`

Property Details

APN / Parcel Number

Primary APN	`11-01-01-0-001-022-000`
Alternative APNs	`089175` `89175` `2967`

Interior

Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	920 sqft Adjusted Area
1st Floor Area	560 sqft
2nd Floor Area	280 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1977
Exterior Material	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	18,295 sqft (0.419 acres)
Lot Dimensions	220 ft deep x 80 ft wide

Location & Zoning

Account Number	89175
Street Address	33 SMITH CIR
City	WATERLOO
State	AL
Zip	35677-4443
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	80 X 220 IRR SPORTSMANS PARADISE S/D LOT 8 .42 AC/C SEC 01 T2S R15W PB 4 PG 59-60
Legal Range	15W
Legal Township	02S
Legal Section	01
Legal Subdivision	SPORTSMAN PARADISE
Legal Lot Number	8
Jurisdiction	LAUDERDALE AL
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1036
Census Tract	11300

Owner

Source: Lauderdale County records · APN 11-01-01-0-001-022-000

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	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	4486 WHISPERWOODS DR, COLLIERVILLE, TN 38017-8545
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 01, 2018	Deed of Trust, Mortgage · Conventional Mortgage FIRST METRO BANK
Oct 01, 2018	Warranty Deed, Transfer · Conventional Mortgage FIRST METRO BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 01, 2018 · Amount on Record
Deed Sale	Oct 01, 2018 · Amount on Record
Deed Document Number	0201842494
Deed Book / Page	2018 / 42494
Record Updated	Jun 08, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAUDERDALE AL
Property Address	33 SMITH CIR, WATERLOO, AL 35677-4443
Transaction Type	Mortgage
Record Updated	Feb 07, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2018/42497
Date	Oct 01, 2018
Book Page	2018/42497

Lender

Name	FIRST METRO BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	72 Months
Due	Jan 01, 2024

Interest

Rate Type	Fixed Rate

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAUDERDALE AL
Recording Date	Oct 01, 2018
Property Address	33 SMITH CIR, WATERLOO, AL 35677-4443
Document Number	2018/42494
Book / Page	2018 / 42494
Instrument Date	Oct 01, 2018
Transaction Type	Transfer
Record Updated	May 14, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	728 COUNTY ROAD 29, KILLEN, AL 35645-2918

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4486 WHISPERWOODS DR, COLLIERVILLE, TN 38017-8545

Mortgage

Document Number	2018/42497
Date	Oct 01, 2018
Book Page	2018/42497

Lender

Name	FIRST METRO BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	72 Months
Due	Jan 01, 2024

Interest

Rate Type	Fixed Rate

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, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,320.00	$32,200 (-)	$161,000 (-) Land $108,200 Building $52,800
2024	$1,320.00 (-3.65%)	$32,200 (+48.8%) Land $21,640 Building $10,560	$161,000 (-) Land $108,200 Building $52,800
2023	$1,370.00 (+18.92%)	$21,640 (-19.49%) Land $21,640	$161,000 (+19.79%) Land $108,200 Building $52,800
2022	$1,152.00	$26,880	$134,400 Land $96,800 Building $37,600

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
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Nearby Flood Policies	1 in force
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

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 26 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Fiber	1,000 / 1,000

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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