9045 Co Rd 15, Florence, AL 35633 Property Records

Lauderdale County property record for 9045 Co Rd 15, Florence, AL 35633

Property Summary

Property Type	Single Family Home
Details	5 ba · 3,342 sqft · built 2023
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on File
Last Sale	$158,000 (May 2020)
Tax Bill	$1,817 (2025)
Deeds & Mortgages	Jun 2017 Mortgage Apr 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-05-15-0-000-017-000`

Property Details

APN / Parcel Number

Primary APN	`14-05-15-0-000-017-000`
Alternative APNs	`096765` `31663` `96765`

Interior

Full Baths	5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	3,342 sqft Living Area
1st Floor Area	3,666 sqft
2nd Floor Area	1,088 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2023
Exterior Material	Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	43,560 sqft (1 acres)
Lot Dimensions	210 ft deep x 210 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	96765
Street Address	9045 COUNTY ROAD 15
City	FLORENCE
State	AL
Zip	35633-2685
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01
Legal Description	210 X 210 IN SW/4 OF NW/4 SEC 15 T2S R12W COM @ NE COR OF SW/4 OF NW/4 SEC 15 S 210 W 25 TO POB S 210 W 210 N 210 E 210 TO PO
Legal Range	12W
Legal Township	02S
Legal Section	15
Jurisdiction	LAUDERDALE AL
Township / Civil Division	CLOVERDALE
Census Block Group	2
Census Block	2042
Census Tract	11402

Owner

9045 Co Rd 15 is owned and occupied by an individual who bought it in May 2020.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	9045 COUNTY ROAD 15, FLORENCE, AL 35633-2685
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
Jun 6, 2017	Deed of Trust, Mortgage · Conventional Mortgage BANK INDEPENDENT
Apr 8, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIRST SOUTHERN BANK
May 27, 2020	Survivorship Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 27, 2020 · Amount on File
Deed Sale	May 27, 2020 · Amount on File
Deed Document Number	0202023907
Deed Book / Page	2020 / 23907
Record Updated	Jun 8, 2026

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAUDERDALE AL
Property Address	9045 COUNTY ROAD 15, FLORENCE, AL 35633-2685
Transaction Type	Mortgage
Record Updated	May 14, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	2017/24008
Date	Jun 6, 2017
Book Page	2017/24008

Lender

Name	BANK INDEPENDENT
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAUDERDALE AL
Property Address	9045 COUNTY ROAD 15, FLORENCE, AL 35633-2685
Transaction Type	Mortgage
Record Updated	May 14, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2022/19537
Date	Apr 8, 2022
Book Page	2022/19537

Lender

Name	FIRST SOUTHERN BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	372 Months
Due	May 1, 2053

Interest

Rate Type	Fixed Rate

May 2020: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	LAUDERDALE AL
Recording Date	May 27, 2020
Property Address	9045 COUNTY ROAD 15, FLORENCE, AL 35633-2685
Document Number	2020/23907
Book / Page	2020 / 23907
Map Reference	DD 2012 PG 22825
Instrument Date	May 22, 2020
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 Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 734, ATHENS, AL 35612-0734

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

The 2025 property tax bill for 9045 Co Rd 15 was $1,817 with a homeowner's exemption, up 7.2% 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	$1,817.00 (+7.2%) Homeowner's exemption	$53,580 (+6.99%)	$552,880 (+10.4%) Land $31,400 Building $521,480
2024	$1,695.00 (+1,234.65%) Homeowner's exemption	$50,080 (+1,919.35%) Land $2,720 Building $47,360	$500,780 (+1,279.56%) Land $27,100 Building $473,680
2023	$127.00 (+22.12%) Homeowner's exemption	$2,480 (-16.78%) Land $2,480	$36,300 (+21.81%) Land $24,700 Building $11,600
2022	$104.00 Homeowner's exemption	$2,980	$29,800 Land $20,400 Building $9,400

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 9045 Co Rd 15 in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2025.

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 Claims	1 (2025)
Most Recent Claim	Mar 2025 · rainfall accumulation

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 9045 Co Rd 15 is low, with a 0.08% 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 76% of Alabama
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WEST LAUDERDALE CO, WATER & FPA serves 15,681 people · EPA ID AL0000794
Water Source	Purchased surface water from several systems
Last State Inspection	Jul 2024
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 54 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: AT&T.

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