457 River Loop Rd, Laceys Spring, AL 35754 Property Records

Morgan County property record for 457 River Loop Rd, Laceys Spring, AL 35754

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,025 sqft · built 1968
Lot Size	6 acres (261,360 sqft)
Owner	Individual Name on File
Last Sale	$240,000 (Jul 2022)
Tax Bill	$491 (2025)
Deeds & Mortgages	Oct 2020 Line of Credit Jul 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`08-03-06-0-000-019.000`

Property Details

APN / Parcel Number

Primary APN	`08-03-06-0-000-019.000`
Alternative APNs	`18400` `98158`

Interior

Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,025 sqft Living Area
1st Floor Area	1,025 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	261,360 sqft (6 acres)
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Gravity Furnace

Location & Zoning

Account Number	98158
Street Address	457 RIVER LOOP RD
City	LACEYS SPRING
State	AL
Zip	35754-3123
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	POB ON SO LN NW1/4 200' W OF SE COR SW1/4 SE1/4 OF NW1/4 SEC 6 TH W 170'S TH SO 270'S TH W 710'S TO SO ROW CO RD 117 TH NE'LY
Legal Range	1E
Legal Township	6S
Legal Section	06
Jurisdiction	MORGAN AL
Township / Civil Division	LACEYS SPRING
Census Block Group	1
Census Block	1023
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	Individual Name on File
Mailing Address	457 RIVER LOOP RD, LACEYS SPRING, AL 35754-3123
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 28, 2020	Deed of Trust, Mortgage · Line of Credit PEOPLES BANK OF ALABAMA
Jul 12, 2022	Deed, Transfer · Conventional Mortgage GUARANTY HOME MORTGAGE CORP
Jul 17, 2020	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 12, 2022 · Amount on Record
Deed Sale	Jul 12, 2022 · Amount on Record
Deed Book / Page	2022 / 7924
Prior Transfer Date	Jul 13, 2020
Prior Transfer Doc	02020/6051
Record Updated	Sep 20, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN AL
Property Address	457 RIVER LOOP RD, LACEYS SPRING, AL 35754-3123
Transaction Type	Mortgage
Record Updated	May 30, 2023
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020/48625
Date	Oct 28, 2020
Book Page	2020/48625

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Oct 25, 2040

Interest

Rate Type	Adjustable Rate

July 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	MORGAN AL
Recording Date	Jul 12, 2022
Property Address	457 RIVER LOOP RD, LACEYS SPRING, AL 35754-3123
Document Number	02022/7924
Book / Page	2022 / 7924
Instrument Date	Jul 8, 2022
Transaction Type	Transfer
Record Updated	Jun 19, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	355 TIMBERLAKE DR, CHEROKEE RIDGE, AL 35175-7831

Mortgage

Document Number	0202233802
Date	Jul 12, 2022
Instrument	2022/33802

Lender

Name	GUARANTY HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

July 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MORGAN AL
Recording Date	Jul 17, 2020
Property Address	457 RIVER LOOP RD, LACEYS SPRING, AL 35754-3123
Document Number	02020/6051
Book / Page	2020 / 6051
Instrument Date	Jul 13, 2020
Transaction Type	Transfer
Record Updated	May 4, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	457 RIVER LOOP RD, LACEYS SPRING, AL 35754-3123

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	457 RIVER LOOP RD, LACEYS SPRING, AL 35754-3123

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	$491.00 (-0.41%) Homeowner's exemption	$14,570 (-0.27%) Land $6,570 Building $8,000	$145,700 (-0.27%) Land $65,700 Building $80,000
2024		$14,610 (-0.27%) Land $6,570 Building $8,040	$146,100 (-0.27%) Land $65,700 Building $80,400
2023	$493.00 Homeowner's exemption	$14,650 (+6.7%) Land $6,570 Building $8,080	$146,500 (+6.7%) Land $65,700 Building $80,800
2022	Homeowner's exemption	$13,730 Land $5,980 Building $7,750	$137,300 Land $59,800 Building $77,500

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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 80% of the US · lower than 91% of Alabama
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation at the parcel

Internet Providers

Source: FCC Broadband Data Collection, based on 32 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
FlashFiber Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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