116 Echo Ln, Fairhope, AL 36532 Property Records

Baldwin County property record for 116 Echo Ln, Fairhope, AL 36532

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,640 sqft · built 2016
Lot Size	1.17 acres (51,070 sqft)
Owner	Individual Name on Record
Last Sale	$30,000 (Apr 2016)
Tax Bill	$1,728 (2026)
Deeds & Mortgages	Apr 2021 Mortgage Jul 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`46-04-19-4-000-009.092`

Property Details

APN / Parcel Number

Primary APN	`46-04-19-4-000-009.092`
Alternative APNs	`326325` `83782`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,640 sqft Heated Area
1st Floor Area	1,640 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Fiber Cement Siding
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	51,070 sqft (1.17 acres)
Lot Dimensions	160 ft deep x 80 ft wide
Utility Building	64 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	326325
Street Address	116 ECHO LN
City	FAIRHOPE
State	AL
Zip	36532-1432
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	80' X 160.1' IRR LOT 12 OF COVERED BRIDGE ESTATES UNIT 5 SLIDE 1137-B IN THE CITY OF FAIRHOPE SEC 19-T6S-R2E (WD)
Legal Subdivision	COVERED BRIDGE ESTATES
Legal Block	U-5
Legal Lot Number	12
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	116 ECHO LN, FAIRHOPE, AL 36532-1432
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 12, 2021	Deed of Trust, Mortgage · VA Mortgage ADVANCE MORTGAGE & INVESTMENT CO INC
Jul 24, 2017	Deed of Trust, Mortgage · Line of Credit NATIONAL BK/COMMERCE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 15, 2016 · Amount on Record
Deed Sale	Apr 15, 2016 · Amount on Record
Prior Sale	Sep 9, 2015 · Amount on Record
Deed Document Number	20161566039
Prior Transfer Date	Aug 18, 2015
Prior Transfer Doc	0001533699
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALDWIN AL
Property Address	116 ECHO LN, FAIRHOPE, AL 36532-1432
Transaction Type	Mortgage
Record Updated	Oct 20, 2022
Title Company	NATIONS DIRECT TTL AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001905101
Date	Apr 12, 2021
Instrument	1905101

Lender

Name	ADVANCE MORTGAGE & INVESTMENT CO INC
Type	Mortgage Company
Address	DAPHNE, AL 36527

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALDWIN AL
Property Address	116 ECHO LN, FAIRHOPE, AL 36532-1432
Document Number	0001647222
Instrument Date	Jul 24, 2017
Transaction Type	Mortgage
Record Updated	Aug 23, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	116 ECHO LN FAIRHOPE AL 365321432, FAIRHOPE, AL 36532-1432

Mortgage

Document Number	0001647222
Date	Jul 28, 2017
Instrument	1647222

Lender

Name	NATIONAL BK/COMMERCE
Type	Bank
Address	FAIRHOPE, AL 36533

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	$1,728.00 (+3.6%) Homeowner's exemption Senior Citizen's exemption
2025	$1,668.00 (+22.2%)	$42,720 (+21.85%) Land $6,760 Building $35,960	$427,100 (+21.89%) Land $67,600 Building $359,500
2023	$1,365.00 (+21.23%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$35,060 (+20.9%)	$350,400 (+20.87%) Land $64,400 Building $286,000
2022	$1,126.00 (+7.55%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$29,000	$289,900 Land $59,400 Building $230,500
2021	$1,047.00

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.

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