104 Echo Ln, Fairhope, AL 36532 Property Records

Baldwin County property record for 104 Echo Ln, Fairhope, AL 36532

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,116 sqft · built 1991
Lot Size	1.17 acres (51,070 sqft)
Owner	Individual Name on Record
Last Sale	$190,000 (Mar 2010)
Tax Bill	$2,384 (2026)
Deeds & Mortgages	Jun 2019 Mortgage Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`46-04-19-4-000-009.098`

Property Details

APN / Parcel Number

Primary APN	`46-04-19-4-000-009.098`
Alternative APNs	`265979` `83784`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	2,116 sqft Heated Area
1st Floor Area	1,228 sqft
Upper Floors Area	888 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Exterior Material	Fiber Cement Siding
Construction Type	Wood
Foundation Type	Pier/Post & Beam
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	51,070 sqft (1.17 acres)
Lot Dimensions	224 ft deep x 80 ft wide
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	265979
Street Address	104 ECHO LN
City	FAIRHOPE
State	AL
Zip	36532-1432
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	80' X 224.9' IRR LOT 18 OF COVERED BRIDGE ESTATES UNIT 5 SLIDE 1137-B IN THE CITY OF FAIRHOPE SEC 19-T6S-R2E (QCD)
Legal Subdivision	COVERED BRIDGE ESTATES
Legal Block	U-5
Legal Lot Number	18
Legal Unit	5
Jurisdiction	BALDWIN AL
Township / Civil Division	FAIRHOPE
Census Block Group	2
Census Block	2038
Census Tract	11202

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	104 ECHO LN, FAIRHOPE, AL 36532-1432
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2019	Deed of Trust, Mortgage · FHA Mortgage ROYAL UNITED MORTGAGE LLC
Sep 22, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage AMERISAVE MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 25, 2010 · Amount on Record
Deed Sale	Mar 25, 2010 · Amount on Record
Deed Document Number	20101225040
Last Transfer Date	Aug 10, 2020
Transfer Doc	0001858150
Record Updated	Oct 29, 2026

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALDWIN AL
Property Address	104 ECHO LN, FAIRHOPE, AL 36532-1432
Transaction Type	Mortgage
Record Updated	Oct 21, 2022
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001763094
Date	Jun 3, 2019
Instrument	1763094

Lender

Name	ROYAL UNITED MORTGAGE LLC
Type	Mortgage Company
Address	INDIANAPOLIS, IN 46250

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2049

September 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BALDWIN AL
Recording Date	Sep 22, 2020
Property Address	104 ECHO LN, FAIRHOPE, AL 36532-1432
Document Number	0001858150
Map Reference	SL 1137-B
Instrument Date	Aug 10, 2020
Instrument	1858150
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Irrevocable Living Trust
Address	104 ECHO LN, FAIRHOPE, AL 36532-1432

Mortgage

Document Number	0001858151
Date	Sep 22, 2020
Instrument	1858151

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,384.00 (+4.2%) Homeowner's exemption
2025	$2,288.00 (+20.68%)	$50,720 (+20.19%) Land $16,900 Building $33,820	$507,200 (+20.22%) Land $169,000 Building $338,200
2023	$1,896.00 (+17.47%) Homeowner's exemption	$42,200 (+16.96%)	$421,900 (+17%) Land $161,000 Building $260,900
2022	$1,614.00 (+14.88%) Homeowner's exemption	$36,080	$360,600 Land $148,500 Building $212,100
2021	$1,405.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 115 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	252 units insured incl. 137 condo units
Nearby Flood Claims	129 (1978–2020)
Claims Outside the SFHA	24 of 129
Most Recent Claim	Sep 2020 · tidal / storm surge
Claims by Event	Hurricane Katrina, Aug 2005 · 60 claims Hurricane Ivan, Sep 2004 · 15 claims Hurricane Georges, Sep 1998 · 19 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	Moderate above 68% of the US · above 90% of Alabama
Wildfire Likelihood	0.3% 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 FAIRHOPE serves 59,850 people · EPA ID AL0000035
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	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	4 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 145 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, C Spire Wireless, T-Mobile.

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