120 Kemper Ln, Fairhope, AL 36532 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 2,129 sqft · built 2003
Lot Size	0.184 acres (8,020 sqft)
Owner	Individual Name on File
Last Sale	$275,000 (Sep 2023)
Tax Bill	$1,501 (2026)
Deeds & Mortgages	Sep 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`46-08-28-0-000-001.073`

Property Details

APN / Parcel Number

Primary APN	`46-08-28-0-000-001.073`
Alternative APNs	`243186` `212106` `535276`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	2,129 sqft Heated Area
1st Floor Area	2,129 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	8,020 sqft (0.184 acres)
Lot Dimensions	139 ft deep x 56 ft wide
Pool Area	512 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	535276
Street Address	120 KEMPER LN
City	FAIRHOPE
State	AL
Zip	36532-7070
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 49 PHASE ONE SOUTHLAND PLACE SLIDE 2051-E & F AND AMENDED SLIDE 2052-D & E
Legal Subdivision	SOUTHLAND PLACE PHASE ONE
Legal Phase	1
Legal Block	PH 1
Legal Lot Number	49
Jurisdiction	BALDWIN AL
Township / Civil Division	FAIRHOPE
Census Block Group	2
Census Block	2035
Census Tract	11102

Owner

120 Kemper Ln is owned and occupied by an individual who bought it in September 2023.

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	120 KEMPER LN, FAIRHOPE, AL 36532-7070
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 11, 2023 · Amount on File
Deed Sale	Sep 11, 2023 · Amount on File
Deed Document Number	20232085432
Prior Transfer Date	Jul 25, 2007
Prior Transfer Doc	0001064880
Record Updated	Oct 29, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BALDWIN AL
Recording Date	Sep 11, 2023
Property Address	120 KEMPER LN, FAIRHOPE, AL 36532-7070
Document Number	0002085432
Map Reference	SL 2052-D &2052-E
Instrument Date	Sep 11, 2023
Instrument	2085432
Transaction Type	Transfer
Record Updated	Apr 16, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	120 KEMPER LN, FAIRHOPE, AL 36532-7070

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	120 KEMPER LN, FAIRHOPE, AL 36532-7070

Mortgage

Document Number	0002085433
Date	Sep 11, 2023
Instrument	2085433

Lender

Name	BAY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

Tax Assessment & Valuation

The 2026 property tax bill for 120 Kemper Ln was $1,501 with a homeowner's exemption, up 1.1% from the year before.

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	$1,501.00 (+1.08%) Homeowner's exemption
2025	$1,485.00	$33,280 Land $6,660 Building $26,620	$332,800 Land $66,600 Building $266,200
2023	Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$28,340 (+19.28%)	$283,100 (+19.15%) Land $36,100 Building $247,000
2022	Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$23,760	$237,600 Land $32,000 Building $205,600

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 120 Kemper Ln in Zone X, an area of minimal flood risk, though there have been 69 flood claims nearby since 1979.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 23 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	23 in force
Nearby Flood Claims	69 (1979–2020)
Claims Outside the SFHA	6 of 69
Most Recent Claim	Sep 2020 · river or lake flooding
Claims by Event	Hurricane Sally, Sep 2020 · 10 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, May 2014 · 14 claims Severe Storms, Flooding,high Winds, Assoc With Hurr Danny, Jul 1997 · 8 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 Kemper Ln is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 66% of the US · lower than 82% of Alabama
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond ember reach

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 109 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
AT&T DSL · Fiber in parts of the area	100 / 20