120 Echo Ln, Fairhope, AL 36532 Property Records

Baldwin County property record for 120 Echo Ln, Fairhope, AL 36532

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,054 sqft · built 1991
Lot Size	1.22 acres (53,550 sqft)
Owner	Individual Name on File
Tax Bill	$1,703 (2026)
Deeds & Mortgages	Jun 2023 Line of Credit Mar 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`46-04-19-4-000-009`

Property Details

APN / Parcel Number

Primary APN	`46-04-19-4-000-009`
Alternative APNs	`173412` `27020`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,054 sqft Heated Area
1st Floor Area	2,036 sqft
Upper Floors Area	1,018 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Pier/Post & Beam
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	53,550 sqft (1.22 acres)
Lot Dimensions	255 ft deep x 210 ft wide
Deck Area	1,140 sqft
Utility Building	160 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	173412
Street Address	120 ECHO LN
City	FAIRHOPE
State	AL
Zip	36532-1432
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	210' X 255'(S) BEG AT NW COR OF SE1/4 RUN S 460'(S) FOR POB, TH SE 220'(S), TH S 220'(S), TH W 210', TH N 255'(S) TO POB SEC
Jurisdiction	BALDWIN AL
Township / Civil Division	FAIRHOPE
Census Block Group	2
Census Block	2038
Census Tract	11202

Owner

120 Echo Ln is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	120 ECHO LN, FAIRHOPE, AL 36532-1432
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

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

Deeds, Mortgages & Sale History

Date	Document
Jun 21, 2023	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Mar 26, 2018	Deed of Trust, Mortgage · Line of Credit COMPASS FED'L S&L

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALDWIN AL
Property Address	120 ECHO LN, FAIRHOPE, AL 36532-1432
Transaction Type	Mortgage
Record Updated	Jul 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 ECHO LN, FAIRHOPE, AL 36532-1432

Mortgage

Document Number	0002070121
Date	Jun 21, 2023
Instrument	2070121

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Jun 24, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALDWIN AL
Property Address	120 ECHO LN, FAIRHOPE, AL 36532-1432
Document Number	0001688737
Instrument Date	Mar 26, 2018
Transaction Type	Mortgage
Record Updated	Apr 24, 2018
Title Company	CT LIEN SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	120 ECHO LN FAIRHOPE AL 365321432, FAIRHOPE, AL 36532-1432

Mortgage

Document Number	0001688737
Date	Apr 5, 2018
Instrument	1688737

Lender

Name	COMPASS FED'L S&L
Type	Federal Savings Bank
Address	FAIRHOPE, AL 36533

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Apr 4, 2043

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 120 Echo Ln was $1,703 with exemptions applied.

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	$1,703.00 Homeowner's exemption Senior Citizen's exemption
2025	$1,703.00	$43,600 Land $14,400 Building $29,200	$833,300 Land $202,800 Building $630,500
2023	$1,703.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$43,600 (-24.02%)	$679,800 (+18.49%) Land $193,200 Building $486,600
2022	$1,703.00 (-6.89%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$57,380	$573,700 Land $178,200 Building $395,500
2021	$1,829.00

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

Flood

FEMA maps place 120 Echo Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 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

Wildfire risk around 120 Echo Ln is moderate, ranking above 69% of the US, with a 0.3% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 69% of the US · above 91% 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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