109 Comer Cir, Daphne, AL 36526 Property Records

Baldwin County property record for 109 Comer Cir, Daphne, AL 36526

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,104 sqft · built 1992
Lot Size	0.333 acres (14,548 sqft)
Owner	Individual Name on File
Tax Bill	$1,358 (2026)
Deeds & Mortgages	May 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`32-09-32-0-002-056`

Property Details

APN / Parcel Number

Primary APN	`32-09-32-0-002-056`
Alternative APNs	`188045` `17811`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,104 sqft Heated Area
1st Floor Area	1,474 sqft
Upper Floors Area	630 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	14,548 sqft (0.333 acres)
Lot Dimensions	179 ft deep x 51 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	188045
Street Address	109 COMER CIR
City	DAPHNE
State	AL
Zip	36526-7640
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	51'X 179' IRR LAKE FOREST SUB UNIT 21 LOT 108 PB8 PG29 CITYOF DAPHNE SEC 32-T4S-R2E (WD-SURVIVORSHIP)
Legal Subdivision	LAKE FOREST
Legal Block	U-21
Legal Lot Number	108
Legal Unit	21
Jurisdiction	BALDWIN AL
Township / Civil Division	DAPHNE
Census Block Group	1
Census Block	1008
Census Tract	10704

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	109 COMER CIR, DAPHNE, AL 36526-7640
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALDWIN AL
Property Address	109 COMER CIR, DAPHNE, AL 36526-7640
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE SOURCE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001761625
Date	May 23, 2019
Instrument	1761625

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jun 1, 2039

Tax Assessment & Valuation

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	$1,358.00 (-0.8%) Homeowner's exemption
2025	$1,369.00 (+18.73%)	$30,760 (+18.04%) Land $1,620 Building $29,140	$307,500 (+18%) Land $16,100 Building $291,400
2023	$1,153.00 (+18.74%) Homeowner's exemption	$26,060 (+10.24%)	$260,600 (+10.33%) Land $16,800 Building $243,800
2022	$971.00 (+13.17%) Homeowner's exemption	$23,640	$236,200 Land $16,500 Building $219,700
2021	$858.00

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 File median of 48 policies
Nearby Flood Policies	48 in force
Nearby Flood Claims	65 (1981–2025)
Claims Outside the SFHA	27 of 65
Most Recent Claim	Apr 2025 · rainfall accumulation
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Apr 2014 · 15 claims Severe Storms, Flooding, Tornadoes & Straight-line, Mar 2009 · 11 claims Severe Storms, Tornadoes, And Flooding, May 2003 · 7 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 53% of the US · above 65% 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 199 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50