12980 Oak Tree Dr, Foley, AL 36535 Property Records

Baldwin County property record for 12980 Oak Tree Dr, Foley, AL 36535

Property Summary

Property Type	Rural Home
Details	3 bd · 1.5 ba · 7,760 sqft · built 1997
Lot Size	19 acres (827,640 sqft)
Owner	Individual Name on Record
Last Sale	$700,000 (Dec 2020)
Tax Bill	$2,919 (2026)
Deeds & Mortgages	May 2025 Line of Credit Oct 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`55-09-29-0-000-002.015`

Property Details

APN / Parcel Number

Primary APN	`55-09-29-0-000-002.015`
Alternative APNs	`237569` `83768`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	7,760 sqft Heated Area
1st Floor Area	3,340 sqft
Upper Floors Area	4,420 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	827,640 sqft (19 acres)
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	237569
Street Address	12980 OAK TREE DR
City	FOLEY
State	AL
Zip	36535
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	20.7 AC FR NE COR OF NW1\4 SEC 29 RUN TH S660' W1376.36' THN610' TH NE'LY ALG CUL-DE-SAC 50'(S) TH E1286.76' TO POB LESS RD R
Jurisdiction	BALDWIN AL
Township / Civil Division	FOLEY
Census Block Group	1
Census Block	1021
Census Tract	11409

Owner

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 Record
Mailing Address	PO BOX 908, MAGNOLIA SPRINGS, AL 36555-0908
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Date	Document
May 16, 2025	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Oct 24, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Dec 30, 2020	Warranty Deed, Transfer · Conventional Mortgage BAY MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 30, 2020 · Amount on Record
Deed Sale	Dec 30, 2020 · Amount on Record
Deed Document Number	20201880337
Prior Transfer Date	Dec 18, 2020
Prior Transfer Doc	0001880337
Record Updated	Oct 29, 2026

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALDWIN AL
Property Address	12980 OAK TREE DR, FOLEY, AL 36535
Transaction Type	Mortgage
Record Updated	Apr 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12980 OAK TREE DR, FOLEY, AL 36535

Mortgage

Document Number	0002187548
Date	May 16, 2025
Instrument	2187548

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	May 15, 2065

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALDWIN AL
Property Address	12980 OAK TREE DR, FOLEY, AL 36535
Transaction Type	Mortgage
Record Updated	Apr 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002030111
Date	Oct 24, 2022
Instrument	2030111

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Oct 15, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BALDWIN AL
Recording Date	Dec 30, 2020
Property Address	12980 OAK TREE DR, FOLEY, AL 36535
Document Number	0001880337
Instrument Date	Dec 18, 2020
Instrument	1880337
Transaction Type	Transfer
Record Updated	Jul 15, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	PO BOX 908, MAGNOLIA SPRINGS, AL 36555-0908

Mortgage

Document Number	0001880338
Date	Dec 30, 2020
Instrument	1880338

Lender

Name	BAY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Alabama
County	Baldwin County
Unified School District	Baldwin County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,919.00 (+6.96%)
2025	$2,729.00 (+0.55%)	$99,020 (+0.55%) Land $5,420 Building $93,600	$1,306,300 (+6.91%) Land $319,900 Building $986,400
2023	$2,714.00 (+28.26%) Homeowner's exemption	$98,480 (+27.66%)	$1,221,900 (+27.6%) Land $294,900 Building $927,000
2022	$2,116.00 (+77.22%) Homeowner's exemption	$77,140	$957,600 Land $243,700 Building $713,900
2021	$1,194.00

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.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 50 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	50 in force
Nearby Flood Claims	16 (2004–2021)
Claims Outside the SFHA	2 of 16
Most Recent Claim	Oct 2021 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 2 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Apr 2014 · 6 claims Hurricane Katrina, Aug 2005 · 5 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Brightspeed DSL	80 / 10
Verizon Fixed Wireless	25 / 6

May also be available: AT&T, T-Mobile.

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