750 Co Rd 40, Waterloo, AL 35677 Property Records

Lauderdale County property record for 750 Co Rd 40, Waterloo, AL 35677

Property Summary

Property Type	Single Family Home
Details	2 ba · 3,322 sqft · built 2004
Lot Size	1.04 acres (45,302 sqft)
Owner	Individual Name on Record
Last Sale	$125,000 (Feb 2015)
Tax Bill	$1,060 (2025)
Deeds & Mortgages	Sep 2023 Mortgage Sep 2022 Mortgage
Flood Zone	Zone A (high risk)
APN	`08-01-02-0-000-001-003`

Property Details

APN / Parcel Number

Primary APN	`08-01-02-0-000-001-003`
Alternative APNs	`101067` `056112` `66852`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	3,322 sqft Living Area
1st Floor Area	2,950 sqft
2nd Floor Area	1,240 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	45,302 sqft (1.04 acres)
Lot Dimensions	320 ft deep x 150 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	101067
Street Address	750 COUNTY ROAD 40
City	WATERLOO
State	AL
Zip	35677-4240
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	150S X 320S(362.66) IN NE/4 OF SE/4 SEC 2 T1S R14W BEG @ NW COR OF W/2 OF NE/4 OF SE/4 E 150S S 320S(362.66) W 153.39 N 280S
Legal Range	14W
Legal Township	01S
Legal Section	02
Jurisdiction	LAUDERDALE AL
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1111
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	750 COUNTY ROAD 40, WATERLOO, AL 35677-4240
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 7, 2023	Deed of Trust, Mortgage · Conventional Mortgage LISTERHILL CU
Sep 28, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage LISTERHILL CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 11, 2015 · Amount on Record
Deed Sale	Feb 11, 2015 · Amount on Record
Prior Sale	Dec 1, 2014 · Amount on Record
Deed Book / Page	2015 / 5494
Prior Transfer Date	Jan 16, 2015
Prior Transfer Doc	02015/5494
Record Updated	Jun 8, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAUDERDALE AL
Property Address	750 COUNTY ROAD 40, WATERLOO, AL 35677-4240
Transaction Type	Mortgage
Record Updated	Oct 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2023/37563
Date	Sep 7, 2023
Book Page	2023/37563

Lender

Name	LISTERHILL CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 6, 2053

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 31, 2020
Change Frequency	5 Years
Min Rate At Change	7.75%
Max Rate At Change	9.75%
Max Rate	13.7%

September 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAUDERDALE AL
Recording Date	Sep 28, 2022
Property Address	750 COUNTY ROAD 40, WATERLOO, AL 35677-4240
Document Number	2022/53068
Book / Page	2022 / 53068
Instrument Date	Sep 20, 2022
Transaction Type	Transfer
Record Updated	Oct 19, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	750 COUNTY ROAD 40, 750, WATERLOO, AL 35677-4240

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	750 COUNTY ROAD 40, WATERLOO, AL 35677-4240

Mortgage

Document Number	0202253070
Date	Sep 28, 2022
Instrument	2022/53070

Lender

Name	LISTERHILL CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	13 Months
Due	Oct 1, 2023

Interest

Rate Type	Fixed Rate

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	$1,060.00 (+7.4%) Homeowner's exemption	$31,940 (+6.97%)	$326,580 (+9.43%) Land $14,900 Building $311,680
2024	$987.00 (+80.44%) Homeowner's exemption	$29,860 (+2,474.14%) Land $1,260 Building $28,600	$298,440 (+88.1%) Land $12,400 Building $286,040
2023	$547.00 (+36.75%) Homeowner's exemption	$1,160 (-90.05%) Land $1,160	$158,660 (+36.07%) Land $11,600 Building $147,060
2022	$400.00 Homeowner's exemption	$11,660	$116,600 Land $10,400 Building $106,200

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

Source: FEMA National Flood Hazard Layer, effective August 1, 2018 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
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	Moderate above 51% of the US · above 61% 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 7 locations within half a mile, as of December 31, 2025

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

Cell Coverage

No cell data coverage reported

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