4060 Co Rd 126, Waterloo, AL 35677 Property Records

Lauderdale County property record for 4060 Co Rd 126, Waterloo, AL 35677

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,850 sqft · built 1997
Lot Size	1.85 acres (80,586 sqft)
Owner	Individual Name on File
Last Sale	$199,900 (Mar 2021)
Tax Bill	$751 (2025)
Deeds & Mortgages	Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-03-08-0-000-011-001`

Property Details

APN / Parcel Number

Primary APN	`07-03-08-0-000-011-001`
Alternative APNs	`090214` `20302` `90214`

Interior

Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,850 sqft Living Area
1st Floor Area	1,088 sqft
2nd Floor Area	762 sqft
Flooring	Carpet
Interior Walls	Wood

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	80,586 sqft (1.85 acres)
Lot Dimensions	290 ft deep x 300 ft wide
Garage Type	Mixed
Garage Area	1,040 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	90214
Street Address	4060 COUNTY ROAD 126
City	WATERLOO
State	AL
Zip	35677-4120
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	300 X 290S( 320) PT OF SW/4 OF NW/4 OF SEC 8 T1S R13W BEG @ A PT APPROX 2025S X & 510S E OF NW COR OF SEC 8 TH E 300 SW 315 W
Legal Range	13W
Legal Township	01S
Legal Section	08
Jurisdiction	LAUDERDALE AL
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2001
Census Tract	11300

Owner

4060 Co Rd 126 is owned and occupied by an individual who bought it in March 2021.

Source: Lauderdale County records, as of November 24, 2025

Owner of Record	Individual Name on File
Mailing Address	4060 COUNTY ROAD 126, WATERLOO, AL 35677-4120
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 12, 2021 · Amount on File
Deed Sale	Mar 12, 2021 · Amount on File
Prior Sale	Sep 5, 2014 · Amount on File
Deed Book / Page	2021 / 15736
Record Updated	Jun 8, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAUDERDALE AL
Recording Date	Mar 12, 2021
Property Address	4060 COUNTY ROAD 126, WATERLOO, AL 35677-4120
Document Number	2021/15736
Book / Page	2021 / 15736
Map Reference	DD 2014 PG 33138
Instrument Date	Mar 12, 2021
Transaction Type	Transfer
Record Updated	May 18, 2021

Transaction

Amount	Amount 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	2260 COUNTY ROAD 7, 2260, FLORENCE, AL 35633-7226

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4060 COUNTY ROAD 126, WATERLOO, AL 35677-4120

Mortgage

Document Number	202115739202115739
Date	Mar 12, 2021
Instrument	2021/15739202115739

Lender

Name	MORTGAGE RESEARCH CENTER LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 4060 Co Rd 126 was $751 with a homeowner's exemption, up 7.6% from the year before.

Source: Lauderdale County assessment roll, as of November 24, 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	$751.00 (+7.59%) Homeowner's exemption	$23,100 (+6.94%)	$238,920 (+10.82%) Land $20,200 Building $218,720
2024	$698.00 (-1.69%) Homeowner's exemption	$21,600 (+1,201.2%) Land $1,780 Building $19,820	$215,600 (+5.13%) Land $17,700 Building $197,900
2023	$710.00 (+38.94%) Homeowner's exemption	$1,660 (-88.81%) Land $1,660	$205,080 (+38.29%) Land $16,600 Building $188,480
2022	$511.00 Homeowner's exemption	$14,840	$148,300 Land $15,300 Building $133,000

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 4060 Co Rd 126 in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1989.

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	3 in force
Nearby Flood Claims	4 (1989–2003)
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 4060 Co Rd 126 is moderate, ranking above 48% of the US, with a 0.09% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 48% of the US · above 56% of Alabama
Wildfire Likelihood	0.09% 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 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Co Rd 126

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