468 Co Rd 320, Florence, AL 35634 Property Records

Lauderdale County property record for 468 Co Rd 320, Florence, AL 35634

Property Summary

Property Type	Vacant Land
Lot Size	6.5 acres (283,140 sqft)
Owner	Individual Name on File
Last Sale	$115,000 (Oct 2024)
Tax Bill	$324 (2025)
Deeds & Mortgages	Dec 2024 Line of Credit Oct 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`16-04-17-0-000-015-001`

Property Details

APN / Parcel Number

Primary APN	`16-04-17-0-000-015-001`
Alternative APNs	`083410` `72794` `83410`

Exterior

Lot Area	283,140 sqft (6.5 acres)

Location & Zoning

Account Number	83410
Street Address	468 COUNTY ROAD 320
City	FLORENCE
State	AL
Zip	35634-3416
Property Category	Vacant Land
Property Type	Vacant Land > Uncategorized
Local Zoning Code	01
Legal Description	6.5 AC/C (6.66 AC/D) PT OF S/2 OF NE/4 SEC 17 T2S R10W BEG @ A PT 1319.4 E OF NW COR OF SW/4 OF NE/4 OF SEC 17 TH E 219.8 S 1
Legal Range	10W
Legal Township	02S
Legal Section	17
Jurisdiction	LAUDERDALE AL
Township / Civil Division	FLORENCE
Census Block Group	3
Census Block	3029
Census Tract	11502

Owner

468 Co Rd 320, vacant land, is owned by an individual who bought it in October 2024.

Source: Lauderdale County records, as of November 21, 2025

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	4903 SADDLE RIDGE DR SE, OWENS CROSS ROADS, AL 35763-9109
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 17, 2024	Deed of Trust, Mortgage · Line of Credit FIRST METRO BANK
Oct 4, 2024	Warranty Deed, Transfer · Conventional Mortgage FIRST METRO BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 4, 2024 · Amount on File
Deed Sale	Oct 4, 2024 · Amount on File
Deed Document Number	0202441503
Deed Book / Page	2024 / 41503
Record Updated	Jun 8, 2026

December 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAUDERDALE AL
Property Address	468 COUNTY ROAD 320, FLORENCE, AL 35634-3416
Transaction Type	Mortgage
Record Updated	Nov 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2024/53482
Date	Dec 17, 2024
Book Page	2024/53482

Lender

Name	FIRST METRO BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	384 Months
Due	Jan 1, 2056

October 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAUDERDALE AL
Recording Date	Oct 4, 2024
Property Address	468 COUNTY ROAD 320, FLORENCE, AL 35634-3416
Document Number	2024/41503
Book / Page	2024 / 41503
Instrument Date	Oct 4, 2024
Transaction Type	Transfer
Record Updated	Nov 24, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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
Address	4903 SADDLE RIDGE DR SE, OWENS CROSS ROADS, AL 35763-9109

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 DRUERY LN, FLORENCE, AL 35630-1111

Mortgage

Document Number	0202441506
Date	Oct 4, 2024
Instrument	2024/41506

Lender

Name	FIRST METRO BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	12 Months
Due	Oct 5, 2025

Tax Assessment & Valuation

The 2025 property tax bill for 468 Co Rd 320 was $324.

Source: Lauderdale County assessment roll, as of January 1, 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	$324.00	$9,260	$92,600 Land $92,600
2023	$289.00 (+29.02%)	$8,280 (+28.97%) Land $8,280	$82,700 (+28.82%) Land $82,700
2022	$224.00	$6,420	$64,200 Land $64,200

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 468 Co Rd 320 in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1998.

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	7 in force
Nearby Flood Claims	6 (1998–2003)
Most Recent Claim	May 2003 · Severe Storms, Tornadoes, And Flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, May 2003 · 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

Wildfire risk around 468 Co Rd 320 is moderate, ranking above 42% of the US, with a 0.07% annual chance of 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	0.07% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF FLORENCE WATER DEPARTMENT serves 77,766 people · EPA ID AL0000783
Water Source	Surface water
Last State Inspection	May 2023
Lead	3 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Spectrum, Xfinity.

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