Lauderdale County property record for 3745 Co Rd 3, Waterloo, AL 35677
| Property Type | Mobile Home |
|---|---|
| Details | 1 ba · 2,160 sqft · built 2013 |
| Lot Size | 43 acres (1,873,080 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $989 (2025) |
| Deeds & Mortgages | Jul 2022 Mortgage Feb 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-01-02-0-000-004-000 |
| Primary APN | 09-01-02-0-000-004-000 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 2,160 sqft Adjusted Area |
| 1st Floor Area | 3,084 sqft |
| Utility Area | 1,497 sqft |
| Utility Room | Utility Room |
| Year Built | Built 2013 |
|---|---|
| Architectural Style | Mobile/Manufactured |
| Construction Type | Manufactured |
| Lot Area | 1,873,080 sqft (43 acres) |
| Garage Type | Mixed |
| Garage Area | 1,920 sqft |
| Carport | Carport |
| Carport Area | 1,500 sqft |
| Parking Spaces | 11 Parking Spaces |
| Utility Building | 720 sqft |
| Account Number | 49564 |
|---|---|
| Street Address | 3745 COUNTY ROAD 3 |
| City | WATERLOO |
| State | AL |
| Zip | 35677-3001 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Local Zoning Code | 01 |
| Legal Description | 43.06 AC/D PT OF W/2 OF NW/4 SEC 2 T1S R15W BEG @ NW COR OF NW/4 TH S 1249 SE 1229.9 E 144 N 1557 W 1320 TO POB |
| Legal Range | 15W |
| Legal Township | 01S |
| Legal Section | 02 |
| Jurisdiction | LAUDERDALE AL |
| Township / Civil Division | WATERLOO |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 11300 |
Source: Lauderdale County records, as of November 21, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3745 COUNTY ROAD 3, WATERLOO, AL 35677-3001 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 6, 2022 | Deed of Trust, Mortgage · Conventional Mortgage BANK INDEPENDENT |
| Feb 15, 2023 | Deed of Trust, Mortgage · Line of Credit BANK INDEPENDENT |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAUDERDALE AL |
| Property Address | 3745 COUNTY ROAD 3, WATERLOO, AL 35677-3001 |
| Transaction Type | Mortgage |
| Record Updated | May 14, 2024 |
| Name | Verified Name |
|---|
| Document Number | 2022/38311 |
|---|---|
| Date | Jul 6, 2022 |
| Book Page | 2022/38311 |
| Name | BANK INDEPENDENT |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 21, 2052 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAUDERDALE AL |
| Property Address | 3745 COUNTY ROAD 3, WATERLOO, AL 35677-3001 |
| Transaction Type | Mortgage |
| Record Updated | May 14, 2024 |
| Name | Verified Name |
|---|
| Document Number | 02023/5862 |
|---|---|
| Date | Feb 15, 2023 |
| Book Page | 2023/5862 |
| Name | BANK INDEPENDENT |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 3, 2053 |
Source: Lauderdale County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | Alabama |
| County | Lauderdale County |
| Unified School District | Lauderdale County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $989.00 (+7.03%) Homeowner's exemption | $29,900 (+103.96%) | $313,200 (+12.3%) Land $175,100 Building $138,100 |
| 2024 | $924.00 (+1.99%) Homeowner's exemption | $14,660 (+7.01%) Land $14,660 | $278,900 (+7.23%) Land $146,200 Building $132,700 |
| 2023 | $906.00 (+69.35%) Homeowner's exemption | $13,700 (-11.15%) Land $13,700 | $260,100 (+68.79%) Land $136,800 Building $123,300 |
| 2022 | $535.00 Homeowner's exemption | $15,420 | $154,100 Land $72,800 Building $81,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 50% of the US · above 60% of Alabama |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 2 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber | 1,000 / 1,000 |
4G LTE (outdoors only), no 5G reported
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