Baldwin County property record for 12874 Bender Rd, Foley, AL 36535
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,000 sqft · built 2015 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $449,500 (Aug 2026) |
| Tax Bill | $2,475 (2026) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage Nov 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 54-08-27-0-000-001.010 |
| Primary APN | 54-08-27-0-000-001.010 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,000 sqft Heated Area |
| 1st Floor Area | 2,000 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 43,560 sqft (1 acres) |
| Lot Dimensions | 301 ft deep x 151 ft wide |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 296253 |
|---|---|
| Street Address | 12874 BENDER RD |
| City | FOLEY |
| State | AL |
| Zip | 36535-4323 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 151'(S) X 301.9' IRR LOT 5 SOUTHERN OAK VILLAGE SLIDE 2331-F LYING IN THE CITY OF FOLEY SEC 27-T7S-R4E IN# 1361232 (WD) |
| Legal Subdivision | SOUTHERN OAK VILLAGE |
| Legal Lot Number | 5 |
| Jurisdiction | BALDWIN AL |
| Township / Civil Division | FOLEY |
| Census Block Group | 1 |
| Census Block | 1083 |
| Census Tract | 11501 |
12874 Bender Rd is owned and occupied by two individuals who bought it in August 2026.
Source: Baldwin County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 127 FLOYD RD, MANCHESTER, TN 37355-7015 |
| 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.
| Date | Document |
|---|---|
| Aug 4, 2026 | Warranty Deed, Transfer · Conventional Mortgage COUNTY CITY CREDIT UNION |
| Nov 5, 2018 | Deed of Trust, Mortgage · Line of Credit PEN AIR FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 4, 2026 · Amount on File |
| Deed Sale | Aug 4, 2026 · Amount on File |
| Prior Sale | Nov 21, 2024 · Amount on File |
| Deed Document Number | 20262270153 |
| Prior Transfer Date | Dec 12, 2025 |
| Prior Transfer Doc | 0002226336 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BALDWIN AL |
| Recording Date | Aug 4, 2026 |
| Property Address | 12874 BENDER RD, FOLEY, AL 36535-4323 |
| Document Number | 0002270153 |
| Instrument Date | Jul 23, 2026 |
| Instrument | 20262270153 |
| Transaction Type | Transfer |
| Record Updated | Aug 13, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $45,399.50 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 127 FLOYD RD, MANCHESTER, TN 37355-7015 |
| Document Number | 0002270153, |
|---|---|
| Date | Aug 4, 2026 |
| Instrument | 20262270153 |
| Name | COUNTY CITY CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.47% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BALDWIN AL |
| Property Address | 12874 BENDER RD, FOLEY, AL 36535-4323 |
| Transaction Type | Mortgage |
| Record Updated | Sep 29, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0001728223 |
|---|---|
| Date | Nov 5, 2018 |
| Instrument | 1728223 |
| Name | PEN AIR FCU |
|---|---|
| Type | Credit Union |
| Address | PENSACOLA, FL 32514 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 4, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2026 property tax bill for 12874 Bender Rd was $2,475 with a homeowner's exemption, up 108% from the year before.
Source: Baldwin County assessment roll, as of April 16, 2026
| Type | Name |
|---|---|
| State | Alabama |
| County | Baldwin County |
| Municipality | Foley City |
| Unified School District | Baldwin County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,475.00 (+107.98%) Homeowner's exemption | ||
| 2025 | $1,190.00 | $37,440 Land $8,400 Building $29,040 | $374,200 Land $84,000 Building $290,200 |
| 2023 | $1,045.00 (+25.45%) Homeowner's exemption | $33,060 (+24.19%) | $330,400 (+24.12%) Land $53,800 Building $276,600 |
| 2022 | $833.00 (+14.27%) Homeowner's exemption | $26,620 | $266,200 Land $45,600 Building $220,600 |
| 2021 | $729.00 |
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.
FEMA maps place 12874 Bender Rd in Zone X, an area of minimal flood risk, though there have been 18 flood claims nearby since 1998.
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 52 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 52 in force |
| Nearby Flood Claims | 18 (1998–2020) |
| Claims Outside the SFHA | 17 of 18 |
| Most Recent Claim | Sep 2020 · Hurricane Sally |
| Claims by Event |
|
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 risk around 12874 Bender Rd is moderate, ranking above 56% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 56% of the US · above 71% of Alabama |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 20 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| C Spire Wireless Fiber | 8,000 / 8,000 |
| Brightspeed Fiber | 2,000 / 2,000 |
| Point Broadband Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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