Baldwin County property record for 10038 Cumbria Dr, Daphne, AL 36526
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,835 sqft · built 2014 |
| Lot Size | 0.189 acres (8,250 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $218,000 (Aug 2019) |
| Tax Bill | $1,192 (2026) |
| Deeds & Mortgages | Jan 2017 Mortgage Aug 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 43-08-34-0-000-001.055 |
| Primary APN | 43-08-34-0-000-001.055 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,835 sqft Heated Area |
| 1st Floor Area | 1,835 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Fiber Cement Siding |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 8,250 sqft (0.189 acres) |
| Lot Dimensions | 150 ft deep x 55 ft wide |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 358700 |
|---|---|
| Street Address | 10038 CUMBRIA DR |
| City | DAPHNE |
| State | AL |
| Zip | 36526-8722 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 55' X 150' LOT 43 OLDFIELD PHASE ONE SUB SLIDE 2328-C & D IN CITY OF DAPHNE SEC 34-T5S-R2E (WD/SURVIVORSHIP) |
| Legal Subdivision | OLDFIELD SUB PHASE ONE |
| Legal Phase | 1 |
| Legal Lot Number | 43 |
| Jurisdiction | BALDWIN AL |
| Township / Civil Division | DAPHNE |
| Census Block Group | 1 |
| Census Block | 1037 |
| Census Tract | 10709 |
Source: Baldwin County records, as of October 20, 2026
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 | 10038 CUMBRIA DR, DAPHNE, AL 36526-8722 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Al (and Others) |
| Date | Document |
|---|---|
| Jan 6, 2017 | Deed of Trust, Mortgage · Commercial Mortgage REGIONS BANK |
| Aug 15, 2019 | Warranty Deed, Transfer · Conventional Mortgage DIRECT MORTGAGE LOANS LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 15, 2019 · Amount on Record |
| Deed Sale | Aug 15, 2019 · Amount on Record |
| Prior Sale | Jan 24, 2019 · Amount on Record |
| Deed Document Number | 20191778226 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BALDWIN AL |
| Property Address | 10038 CUMBRIA DR, DAPHNE, AL 36526-8722 |
| Transaction Type | Mortgage |
| Record Updated | Jun 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0001611695 |
|---|---|
| Date | Jan 6, 2017 |
| Instrument | 1611695 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35211 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 233 Months |
| Due | Jun 13, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BALDWIN AL |
| Recording Date | Aug 15, 2019 |
| Property Address | 10038 CUMBRIA DR, DAPHNE, AL 36526-8722 |
| Document Number | 0001778226 |
| Map Reference | SL 23328 C&D |
| Instrument Date | Jul 31, 2019 |
| Instrument | 1778226 |
| Transaction Type | Transfer |
| Record Updated | Jun 22, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 205 WHITE AVE, 205, FAIRHOPE, AL 36532-1522 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 10038 CUMBRIA DR, DAPHNE, AL 36526-8722 |
| Document Number | 0001778227 |
|---|---|
| Date | Aug 15, 2019 |
| Instrument | 1778227 |
| Name | DIRECT MORTGAGE LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2049 |
Source: Baldwin County assessment roll, as of April 16, 2026
| Type | Name |
|---|---|
| State | Alabama |
| County | Baldwin County |
| Municipality | Daphne City |
| Unified School District | Baldwin County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,192.00 (+4.1%) Homeowner's exemption Senior Citizen's exemption | ||
| 2025 | $1,145.00 (+0.7%) | $29,480 (+0.68%) Land $6,420 Building $23,060 | $294,700 (+0.65%) Land $64,200 Building $230,500 |
| 2023 | $1,137.00 (+31.75%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed | $29,280 (+21.09%) | $292,800 (+21.14%) Land $66,000 Building $226,800 |
| 2022 | $863.00 (+8.83%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed | $24,180 | $241,700 Land $47,300 Building $194,400 |
| 2021 | $793.00 |
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.
Source: FEMA National Flood Hazard Layer, effective September 27, 2020 · 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 |
| Flood Insurance Cost | Premium on Record median of 37 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 37 in force |
| Nearby Flood Claims | 3 (2020) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Oct 2020 · rainfall accumulation |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 45% of the US · above 49% of Alabama |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 369 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Mediacom Xtream Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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