776 Co Rd 78, Waterloo, AL 35677 Property Records

Lauderdale County property record for 776 Co Rd 78, Waterloo, AL 35677

Property Summary

Property Type	Single Family Home
Details	2 ba · 900 sqft · built 2020
Lot Size	0.55 acres (23,958 sqft)
Owner	Individual Name on File
Last Sale	$110,000 (Mar 2019)
Tax Bill	$896 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Jan 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`08-09-31-0-001-022-000`

Property Details

APN / Parcel Number

Primary APN	`08-09-31-0-001-022-000`
Alternative APNs	`095380` `23299` `95380`

Interior

Full Baths	2 Baths
Building Area	900 sqft Living Area
1st Floor Area	780 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Exterior Material	Vinyl
Foundation Type	Retaining Wall
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	23,958 sqft (0.55 acres)
Lot Dimensions	230 ft deep x 120 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	95380
Street Address	776 COUNTY ROAD 78
City	WATERLOO
State	AL
Zip	35677-3157
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01
Legal Description	120 X 255 (230S) IRR SECOND CREEK CABIN SITE AREA SD PT OF LOT 19 DESC AS BEG AT NW COR SE 185 NE 150 NW 230S (255) S 120 WIT
Legal Range	14W
Legal Township	01S
Legal Section	31
Legal Subdivision	SECOND CREEK CABIN SITE AREA
Legal Lot Number	19
Jurisdiction	LAUDERDALE AL
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1089
Census Tract	11300

Owner

776 Co Rd 78 is owned and occupied by an individual who acquired it in September 2019.

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

Owner of Record	Individual Name on File
Mailing Address	776 COUNTY ROAD 78, WATERLOO, AL 35677-3157
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
Jan 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK INDEPENDENT
Jan 19, 2022	Deed of Trust, Mortgage · Conventional Mortgage BANK INDEPENDENT
Sep 20, 2019	Quit Claim Deed, Transfer · Conventional Mortgage BANK INDEPENDENT
Mar 6, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 6, 2019 · Amount on File
Deed Sale	Mar 6, 2019 · Amount on File
Prior Sale	Mar 6, 2019 · Amount on File
Deed Document Number	02019/8454
Deed Book / Page	2019 / 8454
Last Transfer Date	Sep 20, 2019
Transfer Doc	2019/40367
Record Updated	Jun 8, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAUDERDALE AL
Property Address	776 COUNTY ROAD 78, WATERLOO, AL 35677-3157
Transaction Type	Mortgage
Record Updated	May 14, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002021/815
Date	Jan 5, 2021
Book Page	2021/815

Lender

Name	BANK INDEPENDENT
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	372 Months
Due	Jan 1, 2051

Interest

Rate Type	Fixed Rate

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAUDERDALE AL
Property Address	776 COUNTY ROAD 78, WATERLOO, AL 35677-3157
Transaction Type	Mortgage
Record Updated	May 14, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02022/3153
Date	Jan 19, 2022
Book Page	2022/3153

Lender

Name	BANK INDEPENDENT
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	372 Months
Due	Dec 28, 2052

Interest

Rate Type	Fixed Rate

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAUDERDALE AL
Recording Date	Sep 20, 2019
Property Address	776 COUNTY ROAD 78, WATERLOO, AL 35677-3157
Document Number	2019/40367
Book / Page	2019 / 40367
Instrument Date	Sep 3, 2019
Transaction Type	Transfer
Record Updated	May 14, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3401 COUNTY ROAD 10, FLORENCE, AL 35633-2952

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	419 E TENNESSEE ST, FLORENCE, AL 35630-5717

Mortgage

Document Number	2019/40369
Date	Sep 20, 2019
Book Page	2019/40369

Lender

Name	BANK INDEPENDENT
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 3, 2049

Interest

Rate Type	Adjustable Rate

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAUDERDALE AL
Recording Date	Mar 6, 2019
Property Address	776 COUNTY ROAD 78, WATERLOO, AL 35677-3157
Document Number	02019/8454
Book / Page	2019 / 8454
Instrument Date	Mar 3, 2019
Transaction Type	Transfer
Record Updated	May 14, 2024

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8703 POWDER HORN RD, SPRINGFIELD, VA 22152-2725

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	419 E TENNESSEE ST, FLORENCE, AL 35630-5717

Tax Assessment & Valuation

The 2025 property tax bill for 776 Co Rd 78 was $896 with a homeowner's exemption, down 2.9% 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	$896.00 (-2.93%) Homeowner's exemption	$27,260 (-2.78%)	$272,400 (-2.84%) Land $122,900 Building $149,500
2024	$923.00 (-5.14%) Homeowner's exemption	$28,040 (+127.97%) Land $12,300 Building $15,740	$280,360 (-) Land $122,900 Building $157,460
2023	$973.00 (+26.69%) Homeowner's exemption	$12,300 (-44.54%) Land $12,300	$280,360 (+26.4%) Land $122,900 Building $157,460
2022	$768.00 Homeowner's exemption	$22,180	$221,800 Land $109,800 Building $112,000

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 776 Co Rd 78 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 776 Co Rd 78 is low, with a 0.06% annual chance of 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

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