Lauderdale County property record for 540 Co Rd 45, Waterloo, AL 35677
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,312 sqft · built 1982 |
| Lot Size | 4 acres (174,240 sqft) |
| Owner | Individual Name on File |
| Flood Zone | Zone X (minimal risk) |
| APN | 11-01-01-0-000-004-001 |
| Primary APN | 11-01-01-0-000-004-001 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,312 sqft Living Area |
| 1st Floor Area | 1,312 sqft |
| Flooring | Carpet |
| Interior Walls | Wood |
| Year Built | Built 1982 |
|---|---|
| Exterior Material | Wood Siding |
| Foundation Type | Retaining Wall |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 174,240 sqft (4 acres) |
| Lot Dimensions | 575 ft deep x 175 ft wide |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 7057 |
|---|---|
| Street Address | 540 COUNTY ROAD 45 |
| City | WATERLOO |
| State | AL |
| Zip | 35677-3009 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 06 |
| Legal Description | 175 X 575S (600D) BEING PT OF NE/4 OF NW/4 SEC 01 T2S R15W FI 87-0131 FR A002 |
| Legal Range | 15W |
| Legal Township | 02S |
| Legal Section | 01 |
| Jurisdiction | LAUDERDALE AL |
| Township / Civil Division | WATERLOO |
| Census Block Group | 1 |
| Census Block | 1048 |
| Census Tract | 11300 |
540 Co Rd 45 is owned and occupied by an individual.
Source: Lauderdale County records, as of November 21, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 540 COUNTY ROAD 45, WATERLOO, AL 35677-3009 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
Source: Lauderdale County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | Alabama |
| County | Lauderdale County |
| Unified School District | Lauderdale County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | Homeowner's exemption | $13,040 | $137,440 Land $36,600 Building $100,840 |
| 2023 | Homeowner's exemption | $4,560 Land $4,560 | $132,420 Land $45,500 Building $86,920 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 540 Co Rd 45 in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2003.
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 | 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 risk around 540 Co Rd 45 is moderate, ranking above 50% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 50% of the US · above 60% of Alabama |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 2 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber | 1,000 / 1,000 |
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