403 Co Rd 45, Waterloo, AL 35677 Property Records

Lauderdale County property record for 403 Co Rd 45, Waterloo, AL 35677

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,095 sqft · built 1960
Lot Size	1.4 acres (60,984 sqft)
Owner	Individual Name on File
Last Sale	$22,000 (Nov 2019)
Tax Bill	$401 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Jan 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`11-01-01-1-002-036-000`

Property Details

APN / Parcel Number

Primary APN	`11-01-01-1-002-036-000`
Alternative APNs	`099513` `26850` `99513`

Interior

Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,095 sqft Living Area
1st Floor Area	1,095 sqft
Utility Area	620 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Exterior Material	Stone
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	60,984 sqft (1.4 acres)
Lot Dimensions	200 ft deep x 220 ft wide
Utility Building	240 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	99513
Street Address	403 COUNTY ROAD 45
City	WATERLOO
State	AL
Zip	35677-3045
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	220S X 315S IRR 1.4 AC/C 1.75 AC/D IN NE/4 OF SEC 1 T2S R15W BEG 415S E & 220S N OF SW COR OF NE/4 TH N 315S E 220S SE 250S S
Legal Range	15W
Legal Township	02S
Legal Section	01
Jurisdiction	LAUDERDALE AL
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1080
Census Tract	11300

Owner

403 Co Rd 45 is owned and occupied by an individual who acquired it in January 2021.

Source: Lauderdale County records, as of March 18, 2026

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	403 COUNTY ROAD 45, WATERLOO, AL 35677-3045
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage ALABAMA CENTRAL CU
Jan 29, 2021	Intrafamily Transfer, Transfer
Nov 15, 2019	Survivorship Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 15, 2019 · Amount on File
Deed Sale	Nov 15, 2019 · Amount on File
Deed Book / Page	2019 / 49799
Last Transfer Date	Jan 26, 2021
Transfer Doc	2021/5432
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAUDERDALE AL
Property Address	403 COUNTY ROAD 45, WATERLOO, AL 35677-3045
Transaction Type	Mortgage
Record Updated	Oct 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021/58316
Date	Sep 20, 2021
Book Page	2021/58316

Lender

Name	ALABAMA CENTRAL CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 7, 2036

Interest

Rate Type	Fixed Rate

January 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAUDERDALE AL
Recording Date	Jan 29, 2021
Property Address	403 COUNTY ROAD 45, WATERLOO, AL 35677-3045
Document Number	2021/5432
Book / Page	2021 / 5432
Map Reference	MB 2009 PG 19408
Instrument Date	Jan 26, 2021
Transaction Type	Transfer
Record Updated	Sep 13, 2021

Transaction

Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	161 MILL CREEK CIR, 161, LEXINGTON, AL 35648-4000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	425 SYCAMORE ST, WATERLOO, AL 35677-4327

November 2019: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	LAUDERDALE AL
Recording Date	Nov 15, 2019
Property Address	403 COUNTY ROAD 45, WATERLOO, AL 35677-3045
Document Number	2019/49799
Book / Page	2019 / 49799
Instrument Date	Nov 14, 2019
Transaction Type	Transfer
Record Updated	Sep 13, 2021

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	503 COLLEGE ST, WATERLOO, AL 35677-3048

Tax Assessment & Valuation

The 2025 property tax bill for 403 Co Rd 45 was $401 with a homeowner's exemption, up 6.9% from the year before.

Source: Lauderdale County assessment roll, as of November 24, 2025

Property Jurisdictions

Type	Name
State	Alabama
County	Lauderdale County
Municipality	Waterloo Town
Unified School District	Lauderdale County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$401.00 (+6.93%) Homeowner's exemption	$9,980 (+6.85%)	$104,000 (+11.4%) Land $9,900 Building $94,100
2024	$375.00 (+5.04%) Homeowner's exemption	$9,340 (+1,097.44%) Land $820 Building $8,520	$93,360 (+5.18%) Land $8,200 Building $85,160
2023	$357.00 (+33.21%) Homeowner's exemption	$780 (-88.39%) Land $780	$88,760 (+32.28%) Land $7,700 Building $81,060
2022	$268.00 Homeowner's exemption	$6,720	$67,100 Land $8,400 Building $58,700

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 403 Co Rd 45 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 403 Co Rd 45 is low, with a 0.05% annual chance of 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	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 75 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Co Rd 45

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures