108 Echo Ln, Fairhope, AL 36532 Property Records

Baldwin County property record for 108 Echo Ln, Fairhope, AL 36532

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,790 sqft · built 1988
Lot Size	0.363 acres (15,832 sqft)
Owner	Individual Name on Record
Tax Bill	$1,015 (2026)
Deeds & Mortgages	Sep 2021 Mortgage Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`46-04-19-4-000-009.096`

Property Details

APN / Parcel Number

Primary APN	`46-04-19-4-000-009.096`
Alternative APNs	`038485` `83786` `38485`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,790 sqft Heated Area
1st Floor Area	2,040 sqft
Upper Floors Area	750 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2021
Exterior Material	Vinyl
Foundation Type	Pier/Post & Beam
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	15,832 sqft (0.363 acres)
Lot Dimensions	212 ft deep x 74.4 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	38485
Street Address	108 ECHO LN
City	FAIRHOPE
State	AL
Zip	36532-1432
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	74.42'X212.84' LOT 16 OF COVERED BRIDGE ESTATES UNIT 5 SLIDE 1137-B SEC 19-6-2
Legal Subdivision	COVERED BRIDGE ESTATES
Legal Block	U-5
Legal Lot Number	16
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	108 ECHO LN, FAIRHOPE, AL 36532-1432
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage TYNDALL FCU
Nov 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage TYNDALL FCU

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALDWIN AL
Property Address	108 ECHO LN, FAIRHOPE, AL 36532-1432
Transaction Type	Mortgage
Record Updated	Sep 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001945488
Date	Sep 22, 2021
Instrument	1945488

Lender

Name	TYNDALL FCU
Type	Credit Union
Address	PANAMA CITY, FL 32412

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2036

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALDWIN AL
Property Address	108 ECHO LN, FAIRHOPE, AL 36532-1432
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001868520
Date	Nov 4, 2020
Instrument	1868520

Lender

Name	TYNDALL FCU
Type	Credit Union
Address	PANAMA CITY, FL 32412

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2035

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	$1,015.00 Homeowner's exemption Senior Citizen's exemption
2025	$1,015.00	$26,200 (-) Land $10,000 Building $16,200	$620,200 (+17.6%) Land $169,000 Building $451,200
2023	$1,015.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$26,200 (-41.31%)	$527,400 (+18.17%) Land $161,000 Building $366,400
2022	$1,015.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$44,640	$446,300 Land $148,500 Building $297,800
2021	$1,015.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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.

Nearby Properties on Echo Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures