401 Lakeshore Loop, Oneonta, AL 35121 Property Records

Blount County property record for 401 Lakeshore Loop, Oneonta, AL 35121

Property Summary

Property Type	Single Family Home
Details	1 ba · 2,358 sqft · built 1970
Lot Size	1.9 acres (82,964 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,451 (2026)
Deeds & Mortgages	Jul 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-05-22-0-002-012`

Property Details

APN / Parcel Number

Primary APN	`19-05-22-0-002-012`
Alternative APNs	`017777` `17777` `60748`

Interior

Full Baths	1 Bath
Half Baths	1 Half Bath
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,358 sqft Living Area
1st Floor Area	1,836 sqft
Upper Floors Area	1,044 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 2016
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	82,964 sqft (1.9 acres)
Boat House	352 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	60748
Street Address	401 LAKESHORE LOOP
City	ONEONTA
State	AL
Zip	35121-8451
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 BLK 1, LAKE HIGHLAND SECTOR 9, PB 1 PG 197--
Legal Range	02E
Legal Township	13S
Legal Section	22
Legal Subdivision	LAKE HIGHLAND SECTOR 9
Legal Block	1
Legal Lot Number	2
Jurisdiction	BLOUNT AL
Township / Civil Division	ONEONTA
Census Block Group	2
Census Block	2021
Census Tract	50107

Owner

Source: Blount County records, as of October 20, 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	401 LAKESHORE LOOP, ONEONTA, AL 35121-8451
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 3, 2018
Deed Sale	Aug 3, 2018
Deed Book / Page	2018 / 19471
Record Updated	Oct 29, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLOUNT AL
Property Address	401 LAKESHORE LOOP, ONEONTA, AL 35121-8451
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2018/19474
Date	Jul 30, 2018
Book Page	2018/19474

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Blount County assessment roll, as of August 25, 2026

Property Jurisdictions

Type	Name
State	Alabama
County	Blount County
Municipality	Highland Lake Town
Unified School District	Blount County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,451.00 (+7.16%) Homeowner's exemption Senior Citizen's exemption
2025	$1,354.00 (-1.6%)	$36,000 (-1.59%)	$359,840 (-1.6%) Land $122,100 Building $237,740
2024	$1,376.00 (-0.86%) Homeowner's exemption	$36,580 (-0.87%) Land $10,900 Building $25,680	$365,700 (-0.82%) Land $109,000 Building $256,700
2023	$1,388.00 (-0.79%) Homeowner's exemption	$36,900 (-0.75%) Land $10,900 Building $26,000	$368,740 (-0.79%) Land $109,000 Building $259,740
2022	$1,399.00 Homeowner's exemption	$37,180 Land $10,900 Building $26,280	$371,680 Land $109,000 Building $262,680

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective March 21, 2019 · 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
Nearby Flood Policies	5 in force

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	Moderate above 44% of the US · above 48% of Alabama
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF ONEONTA, UB OF THE serves 19,971 people · EPA ID AL0000103
Water Source	Surface water
Last State Inspection	Aug 2023
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
GoNetspeed Cable	1,000 / 25
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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