Lauderdale County property record for 984 Co Rd 90, Waterloo, AL 35677
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,608 sqft · built 1983 |
| Lot Size | 0.917 acres (39,960 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $800 (2025) |
| Deeds & Mortgages | Apr 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-09-30-0-001-024-001 |
| Primary APN | 08-09-30-0-001-024-001 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,608 sqft Living Area |
| 1st Floor Area | 1,608 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1983 |
|---|---|
| Exterior Material | Vinyl |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 39,960 sqft (0.917 acres) |
| Lot Dimensions | 370 ft deep x 108 ft wide |
| Garage Area | 1,200 sqft |
| Parking Spaces | 5 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 61876 |
|---|---|
| Street Address | 984 COUNTY ROAD 90 |
| City | WATERLOO |
| State | AL |
| Zip | 35677-3135 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 01 |
| Legal Description | 102.8 X 370S (425.17) SECOND CREEK CABIN SITE SD LOT PT OF 34 |
| Legal Range | 14W |
| Legal Township | 01S |
| Legal Section | 30 |
| Legal Subdivision | SECOND CREEK CABIN SITE AREA |
| Legal Lot Number | 34 |
| Jurisdiction | LAUDERDALE AL |
| Township / Civil Division | WATERLOO |
| Census Block Group | 1 |
| Census Block | 1089 |
| Census Tract | 11300 |
984 Co Rd 90 is owned and occupied by two individuals.
Source: Lauderdale County records, as of November 21, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 984 COUNTY ROAD 90, WATERLOO, AL 35677-3135 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAUDERDALE AL |
| Property Address | 984 COUNTY ROAD 90, WATERLOO, AL 35677-3135 |
| Transaction Type | Mortgage |
| Record Updated | Feb 20, 2019 |
| Name | Verified Name |
|---|
| Document Number | 2018/12953 |
|---|---|
| Date | Apr 2, 2018 |
| Book Page | 2018/12953 |
| Name | HOPE FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2048 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 984 Co Rd 90 was $800 with a homeowner's exemption.
Source: Lauderdale County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | Alabama |
| County | Lauderdale County |
| Unified School District | Lauderdale County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $800.00 Homeowner's exemption | $24,500 (-) | $244,740 (-) Land $101,300 Building $143,440 |
| 2024 | $800.00 (-5.88%) Homeowner's exemption | $24,500 (+141.62%) Land $10,140 Building $14,360 | $244,740 (-) Land $101,300 Building $143,440 |
| 2023 | $850.00 (+28.59%) Homeowner's exemption | $10,140 (-46.97%) Land $10,140 | $244,740 (+28.14%) Land $101,300 Building $143,440 |
| 2022 | $661.00 Homeowner's exemption | $19,120 | $191,000 Land $90,500 Building $100,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 984 Co Rd 90 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 risk around 984 Co Rd 90 is moderate, ranking above 42% of the US, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 42% of the US · above 43% 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.
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 |
4G LTE only, no 5G reported
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