6220 Co Rd 8, Waterloo, AL 35677 Property Records

Lauderdale County property record for 6220 Co Rd 8, Waterloo, AL 35677

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,200 sqft · built 2017
Lot Size	2.17 acres (94,525 sqft)
Owner	Individual Name on File
Last Sale	$5,000 (Jul 2016)
Tax Bill	$929 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Mar 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07-04-20-0-000-008-000`

Property Details

APN / Parcel Number

Primary APN	`07-04-20-0-000-008-000`
Alternative APNs	`088513` `34048` `88513`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,200 sqft Living Area
1st Floor Area	1,200 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Exterior Material	Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	94,525 sqft (2.17 acres)
Lot Dimensions	281 ft deep x 375 ft wide
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	88513
Street Address	6220 COUNTY ROAD 8
City	WATERLOO
State	AL
Zip	35677-3376
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01
Legal Description	375.95 X 281.1 (250S) IRR 2.42 AC/D 2.17 AC/C PT OF NE/4 OF SEC 20 T1S R13W LESS RD ROW BEG @ A PT 1089.95 S OF & 654.45 W OF
Legal Range	13W
Legal Township	01S
Legal Section	20
Jurisdiction	LAUDERDALE AL
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2005
Census Tract	11300

Owner

6220 Co Rd 8 is owned and occupied by an individual who bought it in July 2016.

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

Owner of Record	Individual Name on File
Mailing Address	6220 COUNTY ROAD 8, WATERLOO, AL 35677-3376
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Mar 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
Nov 22, 2017	Deed of Trust, Mortgage · Conventional Mortgage BANK INDEPENDENT
Apr 6, 2018	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 21, 2016 · Amount on File
Deed Sale	Jul 21, 2016 · Amount on File
Deed Document Number	0201632460
Deed Book / Page	2016 / 32460
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAUDERDALE AL
Property Address	6220 COUNTY ROAD 8, WATERLOO, AL 35677-3376
Transaction Type	Mortgage
Record Updated	Oct 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021/60636
Date	Sep 29, 2021
Book Page	2021/60636

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Oct 1, 2041

Interest

Rate Type	Fixed Rate

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAUDERDALE AL
Property Address	6220 COUNTY ROAD 8, WATERLOO, AL 35677-3376
Transaction Type	Mortgage
Record Updated	Apr 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021/17044
Date	Mar 18, 2021
Book Page	2021/17044

Lender

Name	QUICKEN LOANS INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2051

Interest

Rate Type	Fixed Rate

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAUDERDALE AL
Property Address	6220 COUNTY ROAD 8, WATERLOO, AL 35677-3376
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017/51773
Date	Nov 22, 2017
Book Page	2017/51773

Lender

Name	BANK INDEPENDENT
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 14, 2047

Interest

Rate Type	Fixed Rate

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAUDERDALE AL
Property Address	6220 COUNTY ROAD 8, WATERLOO, AL 35677-3376
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2018/13761
Date	Apr 6, 2018
Book Page	2018/13761

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 1, 2033

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 6220 Co Rd 8 was $929 with a homeowner's exemption, up 4.9% from the year before.

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	$929.00 (+4.85%) Homeowner's exemption	$28,200 (+4.52%)	$281,900 (+4.58%) Land $28,800 Building $253,100
2024	$886.00 (-0.45%) Homeowner's exemption	$26,980 (+1,093.81%) Land $2,420 Building $24,560	$269,560 (+5.13%) Land $24,000 Building $245,560
2023	$890.00 (+37.98%) Homeowner's exemption	$2,260 (-87.89%) Land $2,260	$256,400 (+37.48%) Land $22,500 Building $233,900
2022	$645.00 Homeowner's exemption	$18,660	$186,500 Land $18,300 Building $168,200

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 6220 Co Rd 8 in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1989.

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	3 in force
Nearby Flood Claims	4 (1989–2003)
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 6220 Co Rd 8 is moderate, ranking above 48% 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 48% of the US · above 56% 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.

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)
Spectrum Fiber	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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