1013 Captain O'Neal Dr, Daphne, AL 36526 Property Records

Baldwin County property record for 1013 Captain O'Neal Dr, Daphne, AL 36526

Property Summary

Property Type	Single Family Home
Details	5 bd · 7.5 ba · 7,282 sqft · built 1997
Lot Size	2.54 acres (110,642 sqft)
Owner	Individual Name on File
Last Sale	$5,750,000 (Mar 2022)
Tax Bill	$21,619 (2026)
Deeds & Mortgages	Mar 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`43-04-19-0-002-015`

Property Details

APN / Parcel Number

Primary APN	`43-04-19-0-002-015`
Alternative APNs	`117574` `044885` `502306`

Interior

Bedrooms	5 Beds
Full Baths	7.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	7,282 sqft Heated Area
1st Floor Area	5,274 sqft
Upper Floors Area	2,008 sqft
Flooring	Marble
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2014
Exterior Material	Stucco
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Clay Tile
Lot Area	110,642 sqft (2.54 acres)
Lot Dimensions	670 ft deep x 165 ft wide
Garage Area	685 sqft
Parking Spaces	2 Parking Spaces
Pool Area	960 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	502306
Street Address	1013 CAPTAIN ONEAL DR
City	DAPHNE
State	AL
Zip	36526-4023
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	25'(S) X 690' IRR RUN 940' ALONG MARGIN OF MOBILE BAY FROM SW COR OF SEC 19 FOR POB CONT N 172 ALONG MARGIN OF MOBILE BAY E69
Legal Subdivision	HEARON VILLAGE
Jurisdiction	BALDWIN AL
Township / Civil Division	DAPHNE
Census Block Group	2
Census Block	2006
Census Tract	10800

Owner

1013 Captain O'Neal Dr is owned and occupied by an individual who bought it in March 2022.

Source: Baldwin County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	PO BOX 1270, MONTROSE, AL 36559-1270
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 31, 2022 · Amount on File
Deed Sale	Mar 31, 2022 · Amount on File
Deed Document Number	20221989098
Record Updated	Oct 29, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BALDWIN AL
Recording Date	Mar 31, 2022
Property Address	1013 CAPTAIN ONEAL DR, DAPHNE, AL 36526-4023
Document Number	0001989098
Instrument Date	Mar 14, 2022
Instrument	1989098
Transaction Type	Transfer
Record Updated	Jun 29, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22183 MAIN ST, FLORENCE, AL 35632-0001

Mortgage

Document Number	0001989099
Date	Mar 31, 2022
Instrument	1989099

Lender

Name	FIRST HORIZON BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Apr 1, 2032
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8.25%
Index	Other
Max Rate	8.25%

Tax Assessment & Valuation

The 2026 property tax bill for 1013 Captain O'Neal Dr was $21,619 with a homeowner's exemption, up 7% from the year before.

Source: Baldwin County assessment roll, as of April 16, 2026

Property Jurisdictions

Type	Name
State	Alabama
County	Baldwin County
Municipality	Daphne City
Unified School District	Baldwin County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$21,619.00 (+7.01%) Homeowner's exemption
2025	$20,202.00	$440,160 Land $134,180 Building $305,980	$4,401,500 Land $1,341,800 Building $3,059,700
2023	$19,226.00 (+26.03%) Homeowner's exemption	$418,940 (+17.74%)	$4,178,500 (+17.44%) Land $1,263,800 Building $2,914,700
2022	$15,255.00 (+36.45%) Homeowner's exemption	$355,820	$3,558,100 Land $1,134,400 Building $2,423,700
2021	$11,180.00

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.

Flood

FEMA maps place 1013 Captain O'Neal Dr 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 September 27, 2020 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 66 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	66 in force
Nearby Flood Claims	84 (1979–2024)
Claims Outside the SFHA	25 of 84
Most Recent Claim	May 2024 · rainfall accumulation
Claims by Event	Hurricane Katrina, Aug 2005 · 32 claims Hurricane Ivan, Sep 2004 · 8 claims Hurricane Georges, Sep 1998 · 15 claims

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 1013 Captain O'Neal Dr is moderate, ranking above 57% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 57% of the US · above 73% 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.

Drinking Water

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

Water System	CITY OF DAPHNE, UTILITIES BOARD OF THE serves 33,372 people · EPA ID AL0000029
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 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	5 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 65 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
C Spire Wireless Fiber	8,000 / 8,000
AT&T Fiber	5,000 / 5,000
Mediacom Xtream Cable	1,000 / 50