$369,000
SOLD OCT 29, 2025

840 County Road 78 Waterloo, AL 35677

3 Beds
1 Bath
1,302 Sq Ft
0.77 Acres

Recently Sold

$283 Per Sq Ft

3 Days on Market

Highlights

  • 110 Feet of Waterfront
  • Views of Pier
  • Attic
  • Home fronts a creek
  • Open Floorplan
  • 1 Fireplace

About This Home

As of October 2025

Rare find in Waterloo! This waterfront cabin sits on a .77-acre lot with over 100 ft of shoreline and a private pier. The main level features a cozy living room with fireplace, an eat-in kitchen, two bedrooms, and a combined full bath/laundry room. Upstairs offers a spacious bedroom with endless possibilities perfect for guests, a bunk room, or flex space. Relax on the large screened-in porch with stunning water views. A perfect getaway or full-time retreat!

Last Agent to Sell the Property

Kanda Calvert

CENTURY 21 Clement Realty, Inc License #000076934 Listed on: 09/10/2025

CENTURY 21 Clement Realty, Inc

Last Buyer's Agent

Keegan Mumaw

Keller Williams Realty Madison

Keller Williams Realty Madison

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $1,316

Year Built

  • Built in 2004

Lot Details

  • 0.77 Acre Lot
  • Home fronts a creek
  • 110 Feet of Waterfront
  • Property fronts a county road
  • Interior Lot
  • Lot Sloped Down
  • Few Trees

Property Views

  • Views of a pier
  • Rural

Home Design

  • Metal Roof
  • Cedar

Interior Spaces

  • 1,302 Sq Ft Home
  • Open Floorplan
  • Ceiling Fan
  • 1 Fireplace
  • Wood Frame Window
  • Ceramic Tile Flooring
  • Crawl Space
  • Attic

Kitchen

  • Eat-In Kitchen
  • Electric Range
  • Dishwasher

Bedrooms and Bathrooms

  • 3 Bedrooms
  • 1 Full Bathroom

Laundry

  • Laundry Room
  • Laundry on main level

Parking

  • Driveway
  • Unpaved Parking

Outdoor Features

  • Screened Patio
  • Fire Pit
  • Shed
  • Side Porch

Schools

  • Waterloo Elementary And Middle School
  • Waterloo High School

Utilities

  • Central Air
  • Window Unit Cooling System
  • Septic Tank

Community Details

  • No Home Owners Association
  • Second Creek Subdivision

Listing and Financial Details

  • Tax Lot 20
  • Assessor Parcel Number 08-09-31-0-001-024-000

Home Details

Home Type

Single Family

Est. Annual Taxes

$1,316

Year Built

Built in 2004

Lot Details

0.77 Acres

Listing Details

  • Above Grade Finished Sq Ft: 1302.0
  • Lot Dimensions: 110'X340'S (386.44)
  • Road Frontage Type: County Road
  • Road Surface Type: Paved
  • Subdivision Name: Second Creek
  • Carport: No
  • GarageYN: No
  • PropertySubType: Residential
  • PropertyType: Residential
  • Lot Size Acres: 0.77
  • Co List Office Phone: OFC-256-764-8743
  • MLS Status: Sold
  • AE_ATTIC: Access Only
  • Manufactured_Home_YN: 0
  • Multiple_Level_YN: 1
  • Waterfront_Access: Water Front
  • Special Features: None
  • Property Sub Type: Detached

Interior Features

  • Interior Amenities: Eat-in Kitchen, Open Floorplan, Tile Shower
  • Appliances: Dishwasher, Electric Range, Refrigerator
  • Basement YN: No
  • Flooring: Ceramic Tile, Wood
  • LivingArea: 1302.0
  • Window Features: Wood Frames
  • Total Bedrooms: 3
  • Fireplaces: 1
  • FireplaceYN: Yes
  • Room Type: Bathroom 1, Bedroom 1, Bedroom 2, Bedroom 3, Den, Kitchen, Laundry
  • Full Bathrooms: 1
  • Main Level Bathrooms: 1

Exterior Features

  • Construction Materials: Cedar
  • Foundation Details: Crawl Space
  • Lot Features: Back Yard, Few Trees, Front Yard, Gentle Sloping, Interior Lot, Sloped Down
  • OtherStructures: Shed(s)
  • Patio And Porch Features: Screened, Side Porch
  • Roof: Metal
  • View: Rural, Water
  • Water Frontage: 110
  • Waterfront Features: Creek, Pier
  • Waterfront: Yes
  • ExteriorFeatures: Dock, Fire Pit
  • Property Condition: Standard

Garage/Parking

  • Parking Features: Driveway, Gravel, Unpaved

Utilities

  • Cooling: Ceiling Fan(s), Central Air, Window Unit(s)
  • Heating: Electric, Fireplace(s)
  • Sewer: Septic Tank
  • Utilities: Electricity Connected, Water Connected
  • Water Source: Public
  • Laundry Features: Laundry Closet, Main Level

Condo/Co-op/Association

  • Association: No
  • Community Features: Fishing

Schools

  • Middle Or Junior School: Waterloo

Lot Info

  • Parcel Number: 08-09-31-0-001-024-000

Building Info

  • Year Built: 2004
  • BuildingAreaTotal: 1302.0

Multi Family

Tax Info

  • Tax Lot: 20
  • Tax Annual Amount: 1316.0

MLS Schools

  • Elementary School: Waterloo
  • HighSchool: Waterloo

Ownership History

Date Name Owned For Owner Type

Purchase Details

Closed on
Aug 17, 2021
Sold by
Jordan Eva Ann Montgomery
Bought by
Jordan Alan and Jordan Michelle
Current Estimated Value
$362,479
Source: Public Records

Range of Values:

--
Value Increase
--
Percent Increase
--
Adjusted for Inflation
Collateral Analytics

Collateral Analytics Collateral Analytics AVMs (Automated Valuation Model) employ a number of statistical approaches combined with neighborhood-specific comparable selection guarantees the most up-to-date and precise valuations.

Not Available

Collateral Analytics does not have data for the current month. Please view the chart for historical values.

ICE

ICE Mortgage Technology ICE Mortgage Technology’s AVM (Automated Valuation Model) is a state-of-the-art online residential property valuation tool that provides a quick and accurate estimate of the value of almost any home in the U.S.

Not Available

ICE Mortgage Technology does not have data for the current month. Please view the chart for historical values.

First American

First American First American Data & Analytics’ next-generation AVM combines unrivaled data assets with a blended ensemble of valuation models to produce highly accurate, reliable valuations you can trust.

Not Available

First American does not have data for the current month. Please view the chart for historical values.

Quantarium

Quantarium Quantarium’s valuation service, repeatedly proven the industry’s most accurate and comprehensive, is supercharged with a self-learning and auto-tuning AI engine that continually becomes smarter and more accurate as it processes daily inputs from the industry’s leading RE data lake.

Not Available

Quantarium does not have data for the current month. Please view the chart for historical values.

Average Value
Not Available
List Price
Sold Price
Create a Home Valuation Report for This Property
The Home Valuation Report is an in-depth analysis detailing your home's value as well as a comparison with similar homes in the area

Purchase History

Date Type Sale Price Title Company
Warranty Deed $149,500 None Available
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft
11/03/2025 11/03/25 Off Market $369,000 -- --
10/29/2025 10/29/25 Sold $369,000 0.0% $283 / Sq Ft
09/13/2025 09/13/25 Pending -- -- --
09/10/2025 09/10/25 For Sale $369,000 -- $283 / Sq Ft
Source: Strategic MLS Alliance (Cullman / Shoals Area)

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2025 $1,316 $37,600 $0 $0
2024 $1,371 $39,160 $21,600 $17,560
2023 $1,371 $21,600 $21,600 $0
2022 $1,162 $31,780 $0 $0
2021 $1,082 $29,480 $0 $0
2020 $1,097 $29,900 $0 $0
2019 $1,097 $29,900 $0 $0
2018 $1,057 $28,760 $0 $0
2017 $1,057 $28,760 $0 $0
2016 $1,057 $28,760 $0 $0
2015 $991 $26,880 $0 $0
2014 $1,054 $28,680 $0 $0
Source: Public Records

Agents Affiliated with this Home

  • Kanda Calvert

    Seller's Agent in 2025

    Kanda Calvert

    CENTURY 21 Clement Realty, Inc

    (256) 710-8879

    71 Total Sales

    Kanda Calvert
    Section Image
  • Keegan Mumaw

    Buyer's Agent in 2025

    Keegan Mumaw

    Keller Williams Realty Madison

    (256) 617-1137

    80 Total Sales

    Keegan Mumaw
    Section Image
See All Agents

Map

Source: Strategic MLS Alliance (Cullman / Shoals Area)

MLS Number: 524659

Strategic MLS Alliance (Cullman / Shoals Area)

APN: 08-09-31-0-001-024.000

Alabama Lauderdale County Waterloo 35677

840 County Road 78, Waterloo, AL

Sold

Detached

Disclaimer: Certain information contained herein is derived from information provided by parties other than Homes.com. All information provided is deemed reliable, but is not guaranteed to be accurate and should be independently verified.

Strategic MLS Alliance (Cullman / Shoals Area) IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.

Nearby Homes
Your Personal Tour Guide

Ask me questions while you tour the home.