452 Ramer Loop, Cottonwood, AL 36320 Property Records

Houston County property record for 452 Ramer Loop, Cottonwood, AL 36320

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,543 sqft · built 2002
Lot Size	9.8 acres (426,888 sqft)
Owner	Individual Name on Record
Last Sale	$275,000 (Aug 2018)
Tax Bill	$1,141 (2024)
Deeds & Mortgages	Aug 2018 Mortgage Aug 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19-08-27-0-000-006-015`

Property Details

APN / Parcel Number

Primary APN	`19-08-27-0-000-006-015`
Alternative APNs	`138060` `48132`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,543 sqft Living Area
1st Floor Area	2,380 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2004
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	426,888 sqft (9.8 acres)
Garage Type	Carport
Carport	Carport

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	452 RAMER LOOP
City	COTTONWOOD
State	AL
Zip	36320-5128
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEG @ NW COR OF NW1/4 OF SW1/4 OF SEC 27 T1N R27E TH E 1345. 03' S ALG R/W 319.86' W 1439.26' N 319.48' TO POB
Legal Range	27E
Legal Township	01N
Legal Section	27
Jurisdiction	HOUSTON AL
Township / Civil Division	COTTONWOOD
Census Block Group	3
Census Block	3039
Census Tract	42000

Owner

Source: Houston County records, as of May 12, 2026

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	452 RAMER LOOP, COTTONWOOD, AL 36320-5128
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 2, 2018	Deed of Trust, Mortgage · VA Mortgage INTERLINC MORTGAGE SERVICES LL
Aug 2, 2018	Deed of Trust, Mortgage · VA Mortgage INTERLINC MORTGAGE SERVICES LL
Aug 2, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 2, 2018 · Amount on Record
Deed Sale	Aug 2, 2018 · Amount on Record
Prior Sale	May 11, 2016 · Amount on Record
Deed Document Number	2018806-0797
Deed Book / Page	806 / 797
Record Updated	Jun 8, 2026

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOUSTON AL
Property Address	452 RAMER LOOP, COTTONWOOD, AL 36320-5128
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2483/701
Date	Aug 2, 2018
Book Page	2483/701
Instrument	2483-0701

Lender

Name	INTERLINC MORTGAGE SERVICES LL
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 1, 2033

Interest

Rate Type	Fixed Rate

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOUSTON AL
Property Address	452 RAMER LOOP, COTTONWOOD, AL 36320-5128
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2483/701
Date	Aug 2, 2018
Book Page	2483/701
Instrument	2483-0701

Lender

Name	INTERLINC MORTGAGE SERVICES LL
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 1, 2033

Interest

Rate Type	Fixed Rate

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HOUSTON AL
Recording Date	Aug 2, 2018
Property Address	452 RAMER LOOP, COTTONWOOD, AL 36320-5128
Document Number	000806/797
Book / Page	806 / 797
Instrument Date	Aug 31, 2017
Instrument	0806-0797
Transaction Type	Transfer
Record Updated	Dec 15, 2025

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	120 LONGWATER DR, 120, NORWELL, MA 02061-1653

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	452 RAMER LOOP, COTTONWOOD, AL 36320-5128

Tax Assessment & Valuation

Source: Houston County assessment roll, as of May 12, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	Homeowner's exemption	$34,240 (-11.52%)	$403,920 (+4.4%) Land $68,100 Building $335,820
2024	$1,141.00 (+6.34%) Homeowner's exemption	$38,700 (+4.2%)	$386,900 (+4.23%) Land $66,100 Building $320,800
2023	$1,073.00 (+22.91%) Homeowner's exemption	$37,140 (+22.33%)	$371,200 (+22.31%) Land $52,900 Building $318,300
2022	$873.00 Homeowner's exemption	$30,360	$303,500 Land $52,900 Building $250,600

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 14, 2020 · 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	2 in force
Nearby Flood Claims	2 (2009–2013)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Feb 2013 · rainfall accumulation

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	Moderate above 42% of the US · above 43% of Alabama
Wildfire Likelihood	0.05% 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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
C Spire Wireless Fiber	2,000 / 2,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Ramer Loop

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