Lauderdale County property record for 403 Main St, Waterloo, AL 35677 · Last verified August 2026
| Property Type | Mixed Use Store/Office |
|---|---|
| Details | 3 ba · 3,281 sqft · built 1958 |
| Lot Size | 0.56 acres (24,394 sqft) |
| Owner | Company Name on File |
| Last Sale | $275,000 (Jun 2026) |
| Tax Bill | $1,527 (2025) |
| Deeds & Mortgages | Jun 2026 Sale Mar 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 11-01-01-1-002-033-001 |
| Primary APN | 11-01-01-1-002-033-001 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Half Baths | 4 Half Baths |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 3,281 sqft Total Area |
| 1st Floor Area | 3,281 sqft |
| Utility Area | 595 sqft |
| Flooring | Plywood |
| Interior Walls | Finished/Painted |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 2008 |
| Exterior Material | Concrete Block |
| Construction Type | Mixed |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 24,394 sqft (0.56 acres) |
| Lot Dimensions | 438 ft deep x 119 ft wide |
| Utility Building | 264 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 110415 |
|---|---|
| Street Address | 403 MAIN ST |
| City | WATERLOO |
| State | AL |
| Zip | 35677-4414 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Mixed Use Store/Office |
| Legal Description | 118.56 X 218.89 IRR LOT .56 AC/D IN NE/4 SEC 1 T2S R15W BEG @ A PT 604.83 NE OF TVA MONUMENT #98 THEN W 218.57 N 106.08 E 218 |
| Legal Range | 15W |
| Legal Township | 02S |
| Legal Section | 01 |
| Jurisdiction | LAUDERDALE AL |
| Township / Civil Division | WATERLOO |
| Census Block Group | 1 |
| Census Block | 1075 |
| Census Tract | 11300 |
Source: Lauderdale County records · APN 11-01-01-1-002-033-001
Assessment roll updated November 24, 2025 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 2411 DARBY DR, FLORENCE, AL 35630-1685 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Jun 15, 2026 | Warranty Deed, Transfer ATTORNEY ONLY |
| Mar 23, 2022 | Warranty Deed, Transfer · Conventional Mortgage CB&S BANK |
| Dec 18, 2017 | Warranty Deed, Transfer · Conventional Mortgage FARMERS & MECHANICS BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 15, 2026 · Amount on Record |
| Deed Sale | Jun 15, 2026 · Amount on Record |
| Prior Sale | Oct 02, 2024 · Amount on Record |
| Deed Document Number | 2026 |
| Prior Transfer Date | Jul 15, 2024 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAUDERDALE AL |
| Recording Date | Jun 15, 2026 |
| Property Address | 403 MAIN ST, WATERLOO, AL 35677-4414 |
| Instrument Date | Jun 12, 2026 |
| Transaction Type | Transfer |
| Record Updated | Aug 18, 2026 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 2411 DARBY DR, FLORENCE, AL 35630-1685 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAUDERDALE AL |
| Recording Date | Mar 23, 2022 |
| Property Address | 403 MAIN ST, WATERLOO, AL 35677-4414 |
| Document Number | 2022/15439 |
| Book / Page | 2022 / 15439 |
| Instrument Date | Mar 21, 2022 |
| Transaction Type | Transfer |
| Record Updated | May 14, 2024 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2810 ROUND TOP RD, SAVANNAH, TN 38372-6982 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 645 BULL HOLLOW LOOP, SAVANNAH, TN 38372-6920 |
| Document Number | 202215442202215442 |
|---|---|
| Date | Mar 23, 2022 |
| Instrument | 2022/15442202215442 |
| Name | CB&S BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAUDERDALE AL |
| Recording Date | Dec 18, 2017 |
| Property Address | 403 MAIN ST, WATERLOO, AL 35677-4414 |
| Document Number | 2017/55830 |
| Book / Page | 2017 / 55830 |
| Instrument Date | Dec 18, 2017 |
| Transaction Type | Transfer |
| Record Updated | May 14, 2024 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1845 BARRIERTOWN DR, SAVANNAH, TN 38372-7103 |
| Name | Verified Name |
|---|---|
| Address | 403 MAIN ST, WATERLOO, AL 35677-4414 |
| Investor | Possibly a Property Investor |
| Document Number | 2017/55833 |
|---|---|
| Date | Dec 18, 2017 |
| Book Page | 2017/55833 |
| Name | FARMERS & MECHANICS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
Source: Lauderdale County records · Assessment roll updated November 24, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Alabama |
| County | Lauderdale County |
| Municipality | Waterloo Town |
| Unified School District | Lauderdale County School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,527.00 (+6.93%) | $37,260 (+6.95%) | $193,680 (+11.16%) Land $13,600 Building $180,080 |
| 2024 | $1,428.00 (+1.28%) | $34,840 (+1,528.04%) Land $2,260 Building $32,580 | $174,240 (+5%) Land $11,300 Building $162,940 |
| 2023 | $1,410.00 (+42.14%) | $2,140 (-90.69%) Land $2,140 | $165,940 (+44.42%) Land $10,700 Building $155,240 |
| 2022 | $992.00 | $22,980 | $114,900 Land $11,600 Building $103,300 |
Source: FEMA National Flood Hazard Layer, Lauderdale County (01077C), updated August 1, 2018 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 010770113001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 1 individual NFIP policies nearby |
| Nearby Flood Policies | 1 in force 1 of 1 on primary residences |
| Nearby Flood Claims | 1 (2003) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | May 2003, river or lake flooding, Severe Storms, Tornadoes, And Flooding |
| Wildfire Risk | Low above 34% of the US · above 17% of Alabama |
|---|---|
| Wildfire Likelihood | About 1 in 2,778 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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.
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