5375 Co Rd 14, Waterloo, AL 35677 Property Records

Lauderdale County property record for 5375 Co Rd 14, Waterloo, AL 35677

Property Summary

Property Type	Other Improved
Details	1 ba · 1,634 sqft · built 1993
Lot Size	0.85 acres (37,026 sqft)
Owner	2 Individual Names on File
Last Sale	$185,000 (Sep 2022)
Tax Bill	$371 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Sep 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`09-07-25-0-000-012-000`

Property Details

APN / Parcel Number

Primary APN	`09-07-25-0-000-012-000`
Alternative APNs	`099891` `104214` `3640`

Interior

Full Baths	1 Bath
Building Area	1,634 sqft Adjusted Area
1st Floor Area	1,512 sqft

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Mobile/Manufactured
Construction Type	Manufactured
Lot Area	37,026 sqft (0.85 acres)
Lot Dimensions	210 ft deep x 183 ft wide
Garage Area	932 sqft
Parking Spaces	4 Parking Spaces

Location & Zoning

Account Number	104214
Street Address	5375 COUNTY ROAD 14
City	WATERLOO
State	AL
Zip	35677-3118
Property Category	Other
Property Type	Other > Other Improved
Legal Description	183.5 X 235.86 (210S) IRR LOT .85 AC/C IN THE SE/4 SEC 25 T1S R15W BEG 1948 N OF SE COR OF SEC THEN NW 238 N 183.5 SE 235.86
Legal Range	15W
Legal Township	01S
Legal Section	25
Jurisdiction	LAUDERDALE AL
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1086
Census Tract	11300

Owner

5375 Co Rd 14 is owned and occupied by two individuals who bought it in September 2022.

Source: Lauderdale County records, as of April 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	5375 COUNTY ROAD 14, WATERLOO, AL 35677-3118
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

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

Deeds, Mortgages & Sale History

Date	Document
Oct 31, 2025	Deed of Trust, Mortgage HUD
Sep 30, 2022	Survivorship Deed, Transfer · Conventional Mortgage CIS FINANCIAL SERVICES INC
Oct 7, 2020	Warranty Deed, Transfer · VA Mortgage WOLF FINANCIAL INC
Oct 10, 2017	Warranty Deed, Transfer · Conventional Mortgage CIS FINANCIAL SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2022 · Amount on File
Deed Sale	Sep 30, 2022 · Amount on File
Prior Sale	Oct 7, 2020 · Amount on File
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAUDERDALE AL
Property Address	5375 COUNTY ROAD 14, WATERLOO, AL 35677-3118
Transaction Type	Mortgage
Record Updated	Nov 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2025/52677
Date	Oct 31, 2025
Book Page	2025/52677

Lender

Name	HUD
Type	Government Agency

Agreement

Amount	Amount on Record
Term	324 Months
Due	Oct 1, 2052

September 2022: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	LAUDERDALE AL
Recording Date	Sep 30, 2022
Property Address	5375 COUNTY ROAD 14, WATERLOO, AL 35677-3118
Document Number	2022/53627
Book / Page	2022 / 53627
Map Reference	DD 823 PG 408-409
Instrument Date	Sep 30, 2022
Transaction Type	Transfer
Record Updated	Nov 24, 2025

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5375 COUNTY ROAD 14, WATERLOO, AL 35677-3118

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5375 COUNTY ROAD 14, WATERLOO, AL 35677-3118

Mortgage

Document Number	0202253630
Date	Sep 30, 2022
Instrument	2022/53630

Lender

Name	CIS FINANCIAL SERVICES INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

Interest

Rate Type	Fixed Rate

Mortgage

Document Number	2022/55444
Date	Oct 13, 2022
Book Page	2022/55444

Lender

Name	CIS FINANCIAL SERVICES INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2052

Interest

Rate Type	Fixed Rate

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAUDERDALE AL
Recording Date	Oct 7, 2020
Property Address	5375 COUNTY ROAD 14, WATERLOO, AL 35677-3118
Document Number	2020/54532
Book / Page	2020 / 54532
Instrument Date	Oct 5, 2020
Transaction Type	Transfer
Record Updated	Nov 24, 2025

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3913 COUNTY ROAD 158, FLORENCE, AL 35633-1924

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5375 COUNTY ROAD 14, WATERLOO, AL 35677-3118

Mortgage

Document Number	0202054534
Date	Oct 7, 2020
Instrument	2020/54534

Lender

Name	WOLF FINANCIAL INC

Agreement

Type	VA Mortgage
Amount	Amount on Record

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAUDERDALE AL
Recording Date	Oct 10, 2017
Property Address	5375 COUNTY ROAD 14, WATERLOO, AL 35677-3118
Document Number	2017/44928
Book / Page	2017 / 44928
Instrument Date	Oct 6, 2017
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 from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	70 LINDSEY DR, FLORENCE, AL 35633-3802

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5375 COUNTY ROAD 14, WATERLOO, AL 35677-3118
Investor	Possibly a Property Investor

Mortgage

Document Number	2017/44931
Date	Oct 10, 2017
Book Page	2017/44931

Lender

Name	CIS FINANCIAL SERVICES INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2047

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 5375 Co Rd 14 was $371, down 47% from the year before.

Source: Lauderdale County assessment roll, as of November 24, 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	$371.00 (-47%)	$10,600 (-47.05%)	$53,000 (-47.05%) Land $13,100 Building $39,900
2024	$700.00 (+2.49%)	$20,020 (+881.37%) Land $2,180 Building $17,840	$100,100 (+10.61%) Land $10,900 Building $89,200
2023	$683.00	$2,040 (-66.88%) Land $2,040	$90,500 (+47.39%) Land $10,200 Building $80,300
2022		$6,160	$61,400 Land $9,300 Building $52,100
2018	$225.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 5375 Co Rd 14 in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2003)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2003 · Severe Storms, Tornadoes, And Flooding

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 5375 Co Rd 14 is moderate, ranking above 40% of the US, with a 0.08% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · lower than 66% of Alabama
Wildfire Likelihood	0.08% 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 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000

Cell Coverage

4G LTE only, no 5G reported

Nearby Properties on Co Rd 14

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