3555 Co Rd 40, Waterloo, AL 35677 Property Records

Lauderdale County property record for 3555 Co Rd 40, Waterloo, AL 35677

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,823 sqft · built 1974
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on File
Last Sale	$149,500 (May 2017)
Tax Bill	$884 (2025)
Deeds & Mortgages	Aug 2017 Mortgage Jun 2017 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-03-05-0-000-008-000`

Property Details

APN / Parcel Number

Primary APN	`07-03-05-0-000-008-000`
Alternative APNs	`090847` `24779` `90847`

Interior

Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,823 sqft Living Area
1st Floor Area	1,823 sqft
2nd Floor Area	403 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	43,560 sqft (1 acres)
Lot Dimensions	200 ft deep x 275 ft wide
Garage Type	Mixed
Garage Area	1,555 sqft
Parking Spaces	6 Parking Spaces
Pool Type	In-Ground Vinyl Pool
Pool Area	576 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	90847
Street Address	3555 COUNTY ROAD 40
City	WATERLOO
State	AL
Zip	35677-4234
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	275 X 200 IRR IN THE NE/4 OF SEC 05 T1S R13W BEG 260S E & 400S N OF SW COR OF NE/4 THEN E 275S N 234 W 275 & S 200S TO POB 1.
Legal Range	13W
Legal Township	01S
Legal Section	05
Jurisdiction	LAUDERDALE AL
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1000
Census Tract	11300

Owner

3555 Co Rd 40 is owned and occupied by an individual who acquired it in June 2017.

Source: Lauderdale County records, as of November 24, 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
Mailing Address	3555 COUNTY ROAD 40, WATERLOO, AL 35677-4234
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 28, 2017	Deed of Trust, Mortgage · ARM LISTERHILL CU
Jun 26, 2017	Intrafamily Transfer, Transfer
May 31, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 31, 2017 · Amount on File
Deed Sale	May 31, 2017 · Amount on File
Deed Book / Page	2017 / 23139
Last Transfer Date	Jun 26, 2017
Transfer Doc	2017/27614
Record Updated	Jun 8, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAUDERDALE AL
Property Address	3555 COUNTY ROAD 40, WATERLOO, AL 35677-4234
Transaction Type	Mortgage
Record Updated	Jul 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017/37924
Date	Aug 28, 2017
Book Page	2017/37924

Lender

Name	LISTERHILL CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Aug 28, 2047

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 28, 2017
Change Frequency	5 Years
Min Rate At Change	6.25%
Max Rate At Change	8.25%
Index	1-Year LIBOR

June 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAUDERDALE AL
Recording Date	Jun 26, 2017
Property Address	3555 COUNTY ROAD 40, WATERLOO, AL 35677-4234
Document Number	2017/27614
Book / Page	2017 / 27614
Instrument Date	Jun 26, 2017
Transaction Type	Transfer
Record Updated	Jul 15, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	50 PRIDE CT, FLORENCE, AL 35633-5550

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAUDERDALE AL
Recording Date	May 31, 2017
Property Address	3555 COUNTY ROAD 40, WATERLOO, AL 35677-4234
Document Number	2017/23139
Book / Page	2017 / 23139
Instrument Date	May 30, 2017
Transaction Type	Transfer
Record Updated	Jul 15, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3555 COUNTY ROAD 40, WATERLOO, AL 35677-4234

Tax Assessment & Valuation

The 2025 property tax bill for 3555 Co Rd 40 was $884 with a homeowner's exemption, up 7.4% from the year before.

Source: Lauderdale County assessment roll, as of November 24, 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	$884.00 (+7.41%) Homeowner's exemption	$26,920 (+7%)	$278,900 (+10.98%) Land $15,000 Building $263,900
2024	$823.00 (-2.02%) Homeowner's exemption	$25,160 (+1,577.33%) Land $1,260 Building $23,900	$251,300 (+3.73%) Land $12,500 Building $238,800
2023	$840.00 (+42.37%) Homeowner's exemption	$1,500 (-91.22%) Land $1,500	$242,260 (+41.92%) Land $14,900 Building $227,360
2022	$590.00 Homeowner's exemption	$17,080	$170,700 Land $12,000 Building $158,700

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 3555 Co Rd 40 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 3555 Co Rd 40 is moderate, ranking above 40% of the US, with a 0.07% annual chance of 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

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