12738 Hope Rdg, Loxley, AL 36551 Property Records

Baldwin County property record for 12738 Hope Rdg, Loxley, AL 36551

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 3,689 sqft · built 2022
Lot Size	20 acres (871,200 sqft)
Owner	Individual Name on File
Last Sale	$39,000 (Mar 2026)
Tax Bill	$2,283 (2026)
Deeds & Mortgages	Apr 2022 Line of Credit Sep 2023 Mortgage
APN	`42-04-18-0-000-001.011`

Property Details

APN / Parcel Number

Primary APN	`42-04-18-0-000-001.011`
Alternative APNs	`393704` `044445` `552170`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,689 sqft Heated Area
1st Floor Area	3,689 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Pier/Post & Beam
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	871,200 sqft (20 acres)
Lot Width	499 ft Width
Pool Area	584 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	552170
Street Address	12738 HOPE RDG
City	LOXLEY
State	AL
Zip	36551-3186
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	499.2' X 448.4' IRR COM AT THE SE COR OF NE1/4 OF SEC 18 RUN TH W 1251.2 FOR THE POB TH CONT W 448.4', NE'LY ALG CO RD 64 499
Jurisdiction	BALDWIN AL
Township / Civil Division	ROBERTSDALE
Census Block Group	1
Census Block	1063
Census Tract	10903

Owner

12738 Hope Rdg is owned and occupied by an individual who bought it in March 2026.

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

Owner of Record	Individual Name on File
Mailing Address	12888 HOPE RDG, LOXLEY, AL 36551-3193
Occupancy	Owner Occupied
Owner Type	Individual

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
Apr 25, 2022	Deed of Trust, Mortgage · Line of Credit RIVER BANK & TRUST
Sep 14, 2023	Deed of Trust, Mortgage · Conventional Mortgage TYNDALL FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 26, 2026 · Amount on File
Deed Sale	Mar 26, 2026 · Amount on File
Prior Sale	Sep 6, 2024 · Amount on File
Deed Document Number	20262243165
Prior Transfer Date	Mar 24, 2026
Prior Transfer Doc	0002243165
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALDWIN AL
Property Address	12738 HOPE RDG, LOXLEY, AL 36551-3186
Transaction Type	Mortgage
Record Updated	Apr 16, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10380 EMMANUEL ST, DAPHNE, AL 36526-9526

Mortgage

Document Number	0001994249
Date	Apr 25, 2022
Instrument	1994249

Lender

Name	RIVER BANK & TRUST
Type	Bank
Address	MOBILE, AL 36608

Agreement

Type	Line of Credit
Amount	Amount on Record

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALDWIN AL
Property Address	12738 HOPE RDG, LOXLEY, AL 36551-3186
Transaction Type	Mortgage
Record Updated	Apr 16, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12738 HOPE RDG, LOXLEY, AL 36551-3186

Mortgage

Document Number	0002086026
Date	Sep 14, 2023
Instrument	2086026

Lender

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

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	6.12%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2030
Change Frequency	6 Months
Min Rate At Change	2.5%
Max Rate At Change	11.1%
Max Rate	11.1%

Tax Assessment & Valuation

The 2026 property tax bill for 12738 Hope Rdg was $2,283 with exemptions applied, up 2% from the year before.

Source: Baldwin County assessment roll, as of April 16, 2026

Property Jurisdictions

Type	Name
State	Alabama
County	Baldwin County

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,283.00 (+2.01%) Homeowner's exemption Senior Citizen's exemption
2025	$2,238.00	$104,980 Land $11,460 Building $93,520	$1,070,500 Land $116,700 Building $953,800
2023	$2,005.00 (+158.38%)	$71,620 (+186.02%)	$716,000 (+185.94%) Land $85,000 Building $631,000
2022	$776.00	$25,040	$250,400 Land $250,400

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

Flood

There have been 10 flood claims near 12738 Hope Rdg since 1997.

Source: OpenFEMA NFIP redacted claims and policies, as of September 2026

Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	10 (1997–2009)
Claims Outside the SFHA	10 of 10
Most Recent Claim	Mar 2009 · Severe Storms, Flooding, Tornadoes & Straight-line
Claims by Event	Severe Storms, Flooding, Tornadoes & Straight-line, Mar 2009 · 2 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.

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