526 Ramer Loop, Cottonwood, AL 36320 Property Records

Houston County property record for 526 Ramer Loop, Cottonwood, AL 36320

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 2,297 sqft · built 2000
Lot Size	5.76 acres (250,906 sqft)
Owner	Individual Name on Record
Tax Bill	$938 (2025)
Deeds & Mortgages	Jun 2017 Mortgage Jun 2017 Transfer
Flood Zone	Zone X (minimal risk)
APN	`19-08-27-0-000-006-016`

Property Details

APN / Parcel Number

Primary APN	`19-08-27-0-000-006-016`
Alternative APNs	`131582` `48133`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,297 sqft Living Area
1st Floor Area	3,193 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2002
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	250,906 sqft (5.76 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	526 RAMER LOOP
City	COTTONWOOD
State	AL
Zip	36320-5126
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM @ NW COR OF NW1/4 OF SW1/4 OF SEC 27 T1N R27E TH E 1344. 92' S ALG R/W 319.77' TO POB TH S ALG R/W 345.6' W 683.45' N
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	526 RAMER LOOP, COTTONWOOD, AL 36320-5126
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 6, 2017	Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK
Jun 6, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Jun 8, 2026

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOUSTON AL
Property Address	526 RAMER LOOP, COTTONWOOD, AL 36320-5126
Transaction Type	Mortgage
Record Updated	Feb 6, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2429/54
Date	Jun 6, 2017
Book Page	2429/54
Instrument	2429-0054

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2047

Interest

Rate Type	Fixed Rate

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HOUSTON AL
Recording Date	Jun 6, 2017
Property Address	526 RAMER LOOP, COTTONWOOD, AL 36320-5126
Document Number	0000787/50
Book / Page	787 / 50
Instrument Date	Apr 27, 2017
Transaction Type	Transfer
Record Updated	Nov 19, 2022

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	526 RAMER LOOP, 526, COTTONWOOD, AL 36320-5126

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	526 RAMER LOOP, COTTONWOOD, AL 36320-5126

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	$938.00 (+4.11%) Homeowner's exemption	$31,080 (+4.02%)	$310,480 (+3.94%) Land $42,200 Building $268,280
2024	$901.00 (+8.82%) Homeowner's exemption	$29,880 (+3.61%)	$298,700 (+3.61%) Land $42,400 Building $256,300
2023	$828.00 (+23.95%) Homeowner's exemption	$28,840 (+23.14%)	$288,300 (+23.1%) Land $34,000 Building $254,300
2022	$668.00 Homeowner's exemption	$23,420	$234,200 Land $34,000 Building $200,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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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