720 Co Rd 78, Waterloo, AL 35677 Property Records

Lauderdale County property record for 720 Co Rd 78, Waterloo, AL 35677

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,008 sqft · built 1971
Lot Size	0.4 acres (17,424 sqft)
Owner	Individual Name on Record
Last Sale	$66,500 (Aug 2019)
Tax Bill	$413 (2025)
Deeds & Mortgages	Jun 2019 Mortgage Apr 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`08-09-31-0-001-020-000`

Property Details

APN / Parcel Number

Primary APN	`08-09-31-0-001-020-000`
Alternative APNs	`060854` `21341` `60854`

Interior

Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,008 sqft Living Area
1st Floor Area	1,008 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	17,424 sqft (0.4 acres)
Lot Dimensions	283 ft deep x 75 ft wide
View / Lot	Waterfront

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	60854
Street Address	720 COUNTY ROAD 78
City	WATERLOO
State	AL
Zip	35677-3157
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	80S WF X 235 IRR .40 AC/C SECOND CREEK CABIN SITE AREA PB 2 PB 120 BEING THE S 80 OF LOT 18 SEC 31 T1S R14W ALSO 1/2 UNDIVIDE
Legal Range	14W
Legal Township	01S
Legal Section	31
Legal Subdivision	SECOND CREEK CABIN SITE AREA
Legal Lot Number	18,16
Jurisdiction	LAUDERDALE AL
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1089
Census Tract	11300

Owner

Source: Lauderdale County records, as of November 24, 2025

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	80 COUNTY ROAD 230, FLORENCE, AL 35633-0920
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 28, 2019	Deed of Trust, Mortgage · Conventional Mortgage FLORENCE FEDERAL CU
Apr 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage FLORENCE FEDERAL CU
Aug 30, 2019	Survivorship Deed, Transfer
Jul 12, 2017	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 30, 2019 · Amount on Record
Deed Sale	Aug 30, 2019 · Amount on Record
Prior Sale	Apr 16, 2015 · Amount on Record
Deed Book / Page	2019 / 37068
Record Updated	Oct 29, 2026

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAUDERDALE AL
Property Address	720 COUNTY ROAD 78, WATERLOO, AL 35677-3157
Transaction Type	Mortgage
Record Updated	Jul 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019/26540
Date	Jun 28, 2019
Book Page	2019/26540

Lender

Name	FLORENCE FEDERAL CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	144 Months
Due	Jun 28, 2031

Interest

Rate Type	Fixed Rate

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAUDERDALE AL
Property Address	720 COUNTY ROAD 78, WATERLOO, AL 35677-3157
Transaction Type	Mortgage
Record Updated	Jul 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020/16303
Date	Apr 16, 2020
Book Page	2020/16303

Lender

Name	FLORENCE FEDERAL CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2050

Interest

Rate Type	Adjustable Rate

August 2019: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	LAUDERDALE AL
Recording Date	Aug 30, 2019
Property Address	720 COUNTY ROAD 78, WATERLOO, AL 35677-3157
Document Number	2019/37068
Book / Page	2019 / 37068
Instrument Date	Aug 30, 2019
Transaction Type	Transfer
Record Updated	Jul 13, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	660 COUNTY ROAD 139, 660, FLORENCE, AL 35633-4588

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	660 COUNTY ROAD 139, FLORENCE, AL 35633-4588

July 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAUDERDALE AL
Recording Date	Jul 12, 2017
Property Address	720 COUNTY ROAD 78, WATERLOO, AL 35677-3157
Document Number	2017/30683
Book / Page	2017 / 30683
Instrument Date	Apr 7, 2015
Transaction Type	Transfer
Record Updated	Jul 13, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	660 COUNTY ROAD 139, 660, FLORENCE, AL 35633-4588

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11460 COUNTY ROAD 8, FLORENCE, AL 35633

Tax Assessment & Valuation

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	$413.00	$11,800 (-)	$117,860 (-) Land $66,500 Building $51,360
2024	$413.00 (-10.8%)	$11,800 (+77.18%) Land $6,660 Building $5,140	$117,860 (-) Land $66,500 Building $51,360
2023	$463.00 (+19.95%)	$6,660 (-30.63%) Land $6,660	$117,860 (+22.77%) Land $66,500 Building $51,360
2022	$386.00	$9,600	$96,000 Land $59,400 Building $36,600

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 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

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

Wildfire Risk	Low lower than 62% of the US · lower than 74% of Alabama
Wildfire Likelihood	0.06% 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 24 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Co Rd 78

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures