40 Spring Cove Rd, Florence, AL 35634 Property Records

Lauderdale County property record for 40 Spring Cove Rd, Florence, AL 35634

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,074 sqft · built 1999
Lot Size	1.74 acres (75,794 sqft)
Owner	Individual Name on File
Last Sale	$214,000 (Mar 2018)
Tax Bill	$873 (2025)
Deeds & Mortgages	Mar 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`16-02-03-0-002-003-026`

Property Details

APN / Parcel Number

Primary APN	`16-02-03-0-002-003-026`
Alternative APNs	`092901` `68432` `92901`

Interior

Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,074 sqft Living Area
1st Floor Area	2,074 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Exterior Material	Brick
Foundation Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	75,794 sqft (1.74 acres)
Lot Dimensions	400 ft deep x 165 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	92901
Street Address	40 SPRING COVE RD
City	FLORENCE
State	AL
Zip	35634-3612
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01
Legal Description	165.96 X 400.53 IN SE/4 OF NW/4 SEC 3 T2S R10W BEG @ THE SW COR OF SE/4 OF NW/4 TH N 194.54 E 400.53 SW 165.96 & W 335.5 TO P
Legal Range	10W
Legal Township	02S
Legal Section	03
Jurisdiction	LAUDERDALE AL
Township / Civil Division	KILLEN
Census Block Group	1
Census Block	1009
Census Tract	11603

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	40 SPRING COVE RD, FLORENCE, AL 35634-3612
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 27, 2018 · Amount on File
Deed Sale	Mar 27, 2018 · Amount on File
Deed Document Number	0201812127
Deed Book / Page	2018 / 12127
Record Updated	Jun 8, 2026

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAUDERDALE AL
Recording Date	Mar 27, 2018
Property Address	40 SPRING COVE RD, FLORENCE, AL 35634-3612
Document Number	2018/12127
Book / Page	2018 / 12127
Instrument Date	Mar 23, 2018
Transaction Type	Transfer
Record Updated	May 18, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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	270 COUNTY ROAD 383, 270, KILLEN, AL 35645-4317

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 SPRING COVE RD, FLORENCE, AL 35634-3612

Mortgage

Document Number	2018/12129
Date	Mar 27, 2018
Book Page	2018/12129

Lender

Name	WILLOW BEND MORTGAGE CO LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 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	$873.00 (+1.16%) Homeowner's exemption Senior Citizen's exemption	$31,760 (+1.15%)	$317,540 (+1.14%) Land $38,500 Building $279,040
2024	$863.00 (+0.35%) Homeowner's exemption Senior Citizen's exemption	$31,400 (+812.79%) Land $3,740 Building $27,660	$313,960 (+6.35%) Land $37,400 Building $276,560
2023	$860.00 (+19.28%) Homeowner's exemption Senior Citizen's exemption	$3,440 (-86.06%) Land $3,440	$295,220 (+19.62%) Land $34,300 Building $260,920
2022	$721.00 Homeowner's exemption Senior Citizen's exemption	$24,680	$246,800 Land $28,400 Building $218,400

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

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	17 (1991–2010)
Claims Outside the SFHA	6 of 17
Most Recent Claim	May 2010 · river or lake flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, May 2003 · 4 claims

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	Low lower than 62% of the US · lower than 76% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 32 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
AT&T DSL	100 / 20