Lauderdale County property record for 4345 Co Rd 3, Waterloo, AL 35677
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,482 sqft · built 1975 |
| Lot Size | 19 acres (827,640 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $1,278 (2025) |
| Deeds & Mortgages | May 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-01-02-0-000-009-000 |
| Primary APN | 09-01-02-0-000-009-000 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,482 sqft Living Area |
| 1st Floor Area | 1,482 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1975 |
|---|---|
| Exterior Material | Vinyl |
| Foundation Type | Retaining Wall |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 827,640 sqft (19 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 75230 |
|---|---|
| Street Address | 4345 COUNTY ROAD 3 |
| City | WATERLOO |
| State | AL |
| Zip | 35677-3004 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 01 |
| Legal Description | 20.07 AC/ 19 AC/C BEING E/2 OF SW/4 OF NE/4 OF SEC 2 T1S R15W LESS ROAD R/W |
| Legal Range | 15W |
| Legal Township | 01S |
| Legal Section | 02 |
| Jurisdiction | LAUDERDALE AL |
| Township / Civil Division | WATERLOO |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 11300 |
Source: Lauderdale County records, as of November 21, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 4345 COUNTY ROAD 3, WATERLOO, AL 35677-3004 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAUDERDALE AL |
| Property Address | 4345 COUNTY ROAD 3, WATERLOO, AL 35677-3004 |
| Transaction Type | Mortgage |
| Record Updated | Jun 16, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2021/32490 |
|---|---|
| Date | May 21, 2021 |
| Book Page | 2021/32490 |
| Name | BANK INDEPENDENT |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 24, 2051 |
| Rate Type | Adjustable Rate |
|---|
Source: Lauderdale County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | Alabama |
| County | Lauderdale County |
| Unified School District | Lauderdale County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,278.00 (+6.95%) | $36,520 (+6.97%) | $259,020 (+14.85%) Land $128,200 Building $130,820 |
| 2024 | $1,195.00 (+1.19%) | $34,140 (+240.72%) Land $10,740 Building $23,400 | $225,520 (+5.92%) Land $107,100 Building $118,420 |
| 2023 | $1,181.00 (+64.71%) | $10,020 (-47.48%) Land $10,020 | $212,920 (+91.3%) Land $100,100 Building $112,820 |
| 2022 | $717.00 | $19,080 | $111,300 Land $30,800 Building $80,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 42% of the US · above 43% 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.
Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber | 1,000 / 1,000 |
May also be available: TVEC Connect.
No cell data coverage reported
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