1022 N Oak St, Foley, AL 36535 Property Records

Baldwin County property record for 1022 N Oak St, Foley, AL 36535

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,431 sqft · built 1972
Lot Size	0.275 acres (12,000 sqft)
Owner	Individual Name on Record
Last Sale	$139,500 (Dec 2018)
Tax Bill	$700 (2026)
Deeds & Mortgages	Mar 2024 Mortgage Apr 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`54-04-20-4-000-038`

Property Details

APN / Parcel Number

Primary APN	`54-04-20-4-000-038`
Alternative APNs	`358329` `26621`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,431 sqft Heated Area
1st Floor Area	1,431 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	12,000 sqft (0.275 acres)
Lot Dimensions	150 ft deep x 123 ft wide
Utility Building	334 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	358329
Street Address	1022 N OAK ST
City	FOLEY
State	AL
Zip	36535-2143
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	123' X 150.1' IRR LOT 3-A RESUB OF LOTS 3, 4 & 5 LUCASSEN'SSUB SLIDE 1643-A IN THE CITY OF FOLEY SEC 20-T7S-R4E (WD)
Legal Subdivision	RESUB OF
Legal Lot Number	3-A
Jurisdiction	BALDWIN AL
Township / Civil Division	FOLEY
Census Block Group	3
Census Block	3034
Census Tract	11501

Owner

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	1022 N OAK ST, FOLEY, AL 36535-2143
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 14, 2024	Deed of Trust, Mortgage · FHA Mortgage MIDFIRST BANK
Apr 12, 2023	Deed of Trust, Mortgage · FHA Mortgage MIDFIRST BANK
May 24, 2022	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Dec 3, 2018	Warranty Deed, Transfer · FHA Mortgage AMERICAN FINANCIAL RESOURCES INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 3, 2018 · Amount on Record
Deed Sale	Dec 3, 2018 · Amount on Record
Deed Document Number	20181732670
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALDWIN AL
Property Address	1022 N OAK ST, FOLEY, AL 36535-2143
Transaction Type	Mortgage
Record Updated	Apr 16, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1022 N OAK ST, FOLEY, AL 36535-2143

Mortgage

Document Number	0002112579
Date	Mar 14, 2024
Instrument	2112579

Lender

Name	MIDFIRST BANK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	338 Months
Due	May 1, 2052

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALDWIN AL
Property Address	1022 N OAK ST, FOLEY, AL 36535-2143
Transaction Type	Mortgage
Record Updated	Apr 24, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1022 N OAK ST, FOLEY, AL 36535-2143

Mortgage

Document Number	0002057388
Date	Apr 12, 2023
Instrument	2057388

Lender

Name	MIDFIRST BANK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	349 Months
Due	May 1, 2052

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALDWIN AL
Property Address	1022 N OAK ST, FOLEY, AL 36535-2143
Transaction Type	Mortgage
Record Updated	May 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1022 N OAK ST, FOLEY, AL 36535-2143

Mortgage

Document Number	0002000991
Date	May 24, 2022
Instrument	2000991

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2052

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BALDWIN AL
Recording Date	Dec 3, 2018
Property Address	1022 N OAK ST, FOLEY, AL 36535-2143
Document Number	0001732670
Map Reference	SL1643-A
Instrument Date	Nov 30, 2018
Instrument	1732670
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1317 WISHBONE CT, 1317, FOLEY, AL 36535

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1622 S OAK ST, FOLEY, AL 36535-1734

Mortgage

Document Number	0001732671
Date	Dec 3, 2018
Instrument	1732671

Lender

Name	AMERICAN FINANCIAL RESOURCES INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$700.00 (+1.74%) Homeowner's exemption
2025	$688.00 (+4.4%)	$22,240 (+4.12%) Land $4,740 Building $17,500	$223,800 (+4.82%) Land $47,600 Building $176,200
2023	$659.00 (+19.38%) Homeowner's exemption	$21,360 (+17.88%)	$213,500 (+17.83%) Land $50,200 Building $163,300
2022	$552.00 (+15.72%) Homeowner's exemption	$18,120	$181,200 Land $51,000 Building $130,200
2021	$477.00

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

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 16 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	15 (1979–2020)
Claims Outside the SFHA	12 of 15
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Sally, Sep 2020 · 7 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Apr 2014 · 5 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

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

Wildfire Risk	Low lower than 66% of the US · lower than 82% of Alabama
Wildfire Likelihood	0.04% 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	CITY OF FOLEY, UTILITIES BOARD OF THE serves 50,919 people · EPA ID AL0000036
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	29 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 254 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
C Spire Wireless Fiber	8,000 / 8,000
Brightspeed Fiber	2,000 / 2,000
Point Broadband Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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