428 Water Tower Loop, Laceys Spring, AL 35754 Property Records

Morgan County property record for 428 Water Tower Loop, Laceys Spring, AL 35754

Property Summary

Property Type	Single Family Home
Details	1 ba · 2,350 sqft · built 2021
Lot Size	1.8 acres (78,408 sqft)
Owner	2 Individual Names on File
Last Sale	$140,000 (Jul 2026)
Tax Bill	$357 (2023)
Deeds & Mortgages	Jul 2026 Sale Jul 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-09-30-0-204-023.008`

Property Details

APN / Parcel Number

Primary APN	`08-09-30-0-204-023.008`
Alternative APNs	`18588` `96201`

Interior

Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,350 sqft Living Area
1st Floor Area	1,783 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	78,408 sqft (1.8 acres)
Garage Type	Mixed
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Utility Building	600 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Gravity Furnace

Location & Zoning

Account Number	96201
Street Address	428 WATER TOWER LOOP
City	LACEYS SPRING
State	AL
Zip	35754-6324
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM AT SW COR OF NW1/4 OF SW1/4 OF SEC 30, T6S, R1E TH N 450', TH E 350' TO SE MARGIN OF LASATER ROAD & TPOB TH NE ALG SD R/W
Legal Range	1E
Legal Township	6S
Legal Section	30
Jurisdiction	MORGAN AL
Township / Civil Division	LACEYS SPRING
Census Block Group	1
Census Block	1027
Census Tract	5703

Owner

Source: Morgan County assessment roll, as of June 19, 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 File
Mailing Address	10113 CAHABA DR SW, HUNTSVILLE, AL 35803-1401
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 16, 2026	Warranty Deed, Transfer HOOVER LAW AND TITLE, HOOVER LAW TITLE
Jul 12, 2017	Deed of Trust, Mortgage · Line of Credit PEOPLES BANK OF ALABAMA
Nov 28, 2022	Deed of Trust, Mortgage · Line of Credit PEOPLES BANK OF ALABAMA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 16, 2026 · Amount on Record
Deed Sale	Jul 16, 2026 · Amount on Record
Deed Book / Page	2026 / 6827
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MORGAN AL
Recording Date	Jul 16, 2026
Property Address	428 WATER TOWER LOOP, LACEYS SPRING, AL 35754-6324
Document Number	2026006827
Book / Page	2026 / 6827
Instrument Date	Jul 15, 2026
Transaction Type	Transfer
Record Updated	Aug 11, 2026
Title Company	HOOVER LAW AND TITLE, HOOVER LAW TITLE

Transaction

Amount	Amount Recorded
Tax	$14,140.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10113 CAHABA DR SW, HUNTSVILLE, AL 35803-1401

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN AL
Property Address	428 WATER TOWER LOOP, LACEYS SPRING, AL 35754-6324
Transaction Type	Mortgage
Record Updated	Jun 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MTG2017/21930
Date	Jul 12, 2017
Book Page	MTG2017/21930

Lender

Name	PEOPLES BANK OF ALABAMA
Type	Bank
Address	CULLMAN, AL 35055

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Jul 10, 2022

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN AL
Property Address	428 WATER TOWER LOOP, LACEYS SPRING, AL 35754-6324
Transaction Type	Mortgage
Record Updated	Jun 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428 WATER TOWER LOOP, LACEYS SPRING, AL 35754-6324

Mortgage

Document Number	2022/53038
Date	Nov 28, 2022
Book Page	2022/53038

Lender

Name	PEOPLES BANK OF ALABAMA
Type	Bank
Address	CULLMAN, AL 35055

Agreement

Type	Line of Credit
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Morgan County assessment roll, as of June 19, 2026

Property Jurisdictions

Type	Name
State	Alabama
County	Morgan County
Unified School District	Morgan County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$10,990 (-) Land $2,500 Building $8,490	$109,900 (-) Land $25,000 Building $84,900
2024		$10,990 (-) Land $2,500 Building $8,490	$109,900 (-) Land $25,000 Building $84,900
2023	$357.00 (+6.57%) Homeowner's exemption Disabled Person's exemption	$10,990 (+5.77%) Land $2,500 Building $8,490	$109,900 (+5.77%) Land $25,000 Building $84,900
2022	$335.00 Homeowner's exemption	$10,390 Land $2,280 Building $8,110	$103,900 Land $22,800 Building $81,100

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 July 4, 2022 · 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
Flood Insurance Cost	Premium on Record median of 21 policies
Nearby Flood Policies	21 in force
Nearby Flood Claims	6 (1995–2020)
Claims Outside the SFHA	2 of 6
Most Recent Claim	Apr 2020 · rainfall accumulation
Claims by Event	Severe Storms, Straight-line Winds, Tornadoes, And Flooding, Feb 2019 · 2 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 64% of the US · lower than 80% of Alabama
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Internet Providers

Source: FCC Broadband Data Collection, based on 63 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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