Houston County property record for 388 Ramer Loop, Cottonwood, AL 36320
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,176 sqft · built 2001 |
| Lot Size | 4.7 acres (204,732 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $1,475 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 19-08-27-0-000-006-014 |
| Primary APN | 19-08-27-0-000-006-014 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,176 sqft Living Area |
| 1st Floor Area | 2,976 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 204,732 sqft (4.7 acres) |
| Garage Area | 800 sqft |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 388 RAMER LOOP |
|---|---|
| City | COTTONWOOD |
| State | AL |
| Zip | 36320-5138 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PAR LOC IN SW QTR OF NW QTR OF S27 T1N R27E COM @ SW COR OF SEC TH E 504.92' TO POB TH N 23 3.85' E 840' S ALG R/W 257' W 8 |
| Legal Range | 27E |
| Legal Township | 01N |
| Legal Section | 27 |
| Jurisdiction | HOUSTON AL |
| Township / Civil Division | COTTONWOOD |
| Census Block Group | 3 |
| Census Block | 3039 |
| Census Tract | 42000 |
Source: Houston County records, as of May 12, 2026
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 | 388 RAMER LOOP, COTTONWOOD, AL 36320-5138 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
Source: Houston County assessment roll, as of May 12, 2026
| Type | Name |
|---|---|
| State | Alabama |
| County | Houston County |
| Unified School District | Houston County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,475.00 (+123.15%) Homeowner's exemption | $46,620 (+107.75%) | $233,140 (+3.94%) Land $35,500 Building $197,640 |
| 2024 | $661.00 (+40.64%) Homeowner's exemption | $22,440 (+3.99%) | $224,300 (+3.99%) Land $35,500 Building $188,800 |
| 2023 | $470.00 (+24.34%) Homeowner's exemption | $21,580 (+22.61%) | $215,700 (+22.63%) Land $28,400 Building $187,300 |
| 2022 | $378.00 Homeowner's exemption | $17,600 | $175,900 Land $28,400 Building $147,500 |
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 July 14, 2020 · 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 | 2 in force |
| Nearby Flood Claims | 2 (2009–2013) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Feb 2013 · rainfall accumulation |
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 42% of the US · above 43% of Alabama |
|---|---|
| Wildfire Likelihood | 0.05% 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 10 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| C Spire Wireless Fiber | 2,000 / 2,000 |
5G (outdoors only) and 4G LTE
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