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

Morgan County property record for 470 Water Tower Loop, Laceys Spring, AL 35754

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,728 sqft · built 1994
Lot Size	0.6 acres (26,136 sqft)
Owner	Individual Name on Record
Last Sale	$158,000 (Apr 2021)
Tax Bill	$571 (2025)
Deeds & Mortgages	Apr 2005 Mortgage Dec 2007 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`08-09-30-0-204-025.001`

Property Details

APN / Parcel Number

Primary APN	`08-09-30-0-204-025.001`
Alternative APNs	`389540` `18593`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,728 sqft Living Area
1st Floor Area	1,728 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	26,136 sqft (0.6 acres)
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	389540
Street Address	470 WATER TOWER LOOP
City	LACEYS SPRING
State	AL
Zip	35754-6324
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM AT NW COR OF E1/2 OF SW1/4 OF SW1/4 SEC 30-T6S-R1E, TH SO 92.17' TO TPOB, TH E 137.09', TH SE 136.07', TH SW 180.49' TO E
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 records, as of July 2, 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	470 WATER TOWER LOOP, LACEYS SPRING, AL 35754-6324
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 4, 2005	Deed of Trust, Mortgage · ARM H & R BLOCK MORTGAGE CORP
Dec 4, 2007	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
Mar 22, 2012	Deed of Trust, Mortgage · FHA Mortgage BANK OF AMERICA NA
Apr 20, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 20, 2021 · Amount on Record
Deed Sale	Apr 20, 2021 · Amount on Record
Deed Book / Page	2021 / 3768
Prior Transfer Date	Apr 13, 2021
Prior Transfer Doc	02021/3768
Record Updated	Sep 20, 2026

April 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN AL
Property Address	470 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	2005/17395
Date	Apr 4, 2005
Book Page	2005/17395

Lender

Name	H & R BLOCK MORTGAGE CORP
Type	Mortgage Company
Address	BURLINGTON, MA 01803

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2035

Interest

Rate Type	Adjustable Rate
Rate	6.6%
Type Change Date	Apr 1, 2007
Change Frequency	6 Months
Min Rate At Change	6.6%
Max Rate At Change	9.6%
Index	6-Month LIBOR
Max Rate	12.6%

December 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN AL
Property Address	470 WATER TOWER LOOP, LACEYS SPRING, AL 35754-6324
Transaction Type	Mortgage
Record Updated	Jun 19, 2026
Title Company	TITLE SOURCES INC, TITLE SOURCE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2007/64345
Date	Dec 4, 2007
Book Page	2007/64345

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	LIVONIA, MI 48152

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2037

March 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN AL
Property Address	470 WATER TOWER LOOP, LACEYS SPRING, AL 35754-6324
Transaction Type	Mortgage
Record Updated	Jun 19, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2012/09271
Date	Mar 22, 2012
Book Page	2012/09271

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2027

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MORGAN AL
Recording Date	Apr 20, 2021
Property Address	470 WATER TOWER LOOP, LACEYS SPRING, AL 35754-6324
Document Number	02021/3768
Book / Page	2021 / 3768
Instrument Date	Apr 13, 2021
Transaction Type	Transfer
Record Updated	Jun 19, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Verified / From Affidavit

Transferred From (Grantor/Seller)

Name	Verified Name
Address	470 WATER TANK RD, UNION GROVE, AL 35175-8555

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	470 WATER TANK RD, UNION GROVE, AL 35175-8555

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	$571.00 Homeowner's exemption	$16,700 (-) Land $830 Building $15,870	$167,000 (-) Land $8,300 Building $158,700
2024		$16,700 (-) Land $830 Building $15,870	$167,000 (-) Land $8,300 Building $158,700
2023	$571.00 (-52.02%) Homeowner's exemption	$16,700 (+4.9%) Land $830 Building $15,870	$167,000 (+4.9%) Land $8,300 Building $158,700
2022	$1,190.00	$15,920 Land $760 Building $15,160	$159,200 Land $7,600 Building $151,600

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 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

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 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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