Baldwin County property record for 10427 S Side Loop, Fairhope, AL 36532
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,856 sqft · built 2004 |
| Lot Size | 0.232 acres (10,118 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,310 (2025) |
| Deeds & Mortgages | Jun 2026 Line of Credit Jul 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 46-06-14-0-000-001.717 |
| Primary APN | 46-06-14-0-000-001.717 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,856 sqft Heated Area |
| 1st Floor Area | 1,856 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 10,118 sqft (0.232 acres) |
| Lot Dimensions | 134 ft deep x 75 ft wide |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 249823 |
|---|---|
| Street Address | 10427 S SIDE LOOP |
| City | FAIRHOPE |
| State | AL |
| Zip | 36532-4891 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 75' X 134.9' LOT 105 UNIT 4 RIVER MILL SUB SLIDE 2024-F IN THE CITY OF FAIRHOPE SEC 14-T6S-R2E (LEASE IN#1056658) (W BOS) |
| Legal Subdivision | RIVER MILL SUB |
| Legal Block | U 4 |
| Legal Lot Number | 105 |
| Legal Unit | 4 |
| Jurisdiction | BALDWIN AL |
| Township / Civil Division | FAIRHOPE |
| Census Block Group | 2 |
| Census Block | 2028 |
| Census Tract | 11104 |
Source: Baldwin County records · APN 46-06-14-0-000-001.717
Assessment roll updated April 16, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 10427 S SIDE LOOP, FAIRHOPE, AL 36532-4891 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Al (and Others) |
| Date | Document |
|---|---|
| Jun 18, 2026 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK INC |
| Jul 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BAY MORTGAGE CORP |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 18, 2007 |
| Deed Sale | Jun 18, 2007 |
| Deed Document Number | 20071056659 |
| Prior Transfer Date | Jan 23, 2007 |
| Prior Transfer Doc | 0001030048 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BALDWIN AL |
| Recording Date | Jun 18, 2026 |
| Property Address | 10427 S SIDE LOOP, FAIRHOPE, AL 36532-4891 |
| Document Number | 0002260972 |
| Instrument Date | Jun 09, 2026 |
| Instrument | 20262260972 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|
| Document Number | 0002260972, |
|---|---|
| Date | Jun 18, 2026 |
| Instrument | 20262260972 |
| Name | CITIZENS BANK INC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Jun 15, 2031 |
| Rate | 6.36% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BALDWIN AL |
| Property Address | 10427 S SIDE LOOP, FAIRHOPE, AL 36532-4891 |
| Transaction Type | Mortgage |
| Record Updated | Sep 29, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0001930818 |
|---|---|
| Date | Jul 22, 2021 |
| Instrument | 1930818 |
| Name | BAY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | FAIRHOPE, AL 36532 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Aug 01, 2036 |
Source: Baldwin County records · Assessment roll updated April 16, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Alabama |
| County | Baldwin County |
| Municipality | Fairhope City |
| Unified School District | Baldwin County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,310.00 (+1.79%) | $29,460 (+1.73%) Land $8,040 Building $21,420 | $294,500 (+1.76%) Land $80,300 Building $214,200 |
| 2023 | $1,287.00 (+11.62%) Homeowner's exemption | $28,960 (+11.13%) | $289,400 (+11.14%) Land $72,900 Building $216,500 |
| 2022 | $1,153.00 (+25.19%) Homeowner's exemption | $26,060 | $260,400 Land $76,500 Building $183,900 |
| 2021 | $921.00 |
Source: FEMA National Flood Hazard Layer, Baldwin County (01003C), as of September 27, 2020 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 010030111042, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 23 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 23 in force |
| Wildfire Risk | Low lower than 64% of the US · lower than 80% of Alabama |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Mediacom Communications Cable | 1,000 / 50 |
Based on FCC filings for 184 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system AL0000035, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF FAIRHOPE serves 59,850 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2025 |
| Lead | 1 ppb (2023–2025) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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