1409 Thames Dr, Foley, AL 36535 Property Records

Baldwin County property record for 1409 Thames Dr, Foley, AL 36535

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,819 sqft · built 2013
Lot Size	0.27 acres (11,774 sqft)
Owner	Individual Name on File
Last Sale	$177,500 (Sep 2015)
Deeds & Mortgages	Mar 2026 Mortgage Nov 2021 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`54-09-31-0-000-005.038`

Property Details

APN / Parcel Number

Primary APN	`54-09-31-0-000-005.038`
Alternative APNs	`261731` `323046`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,819 sqft Heated Area
1st Floor Area	1,819 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	11,774 sqft (0.27 acres)
Lot Dimensions	145 ft deep x 81.2 ft wide
Utility Building	121 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	323046
Street Address	1409 THAMES DR
City	FOLEY
State	AL
Zip	36535-3568
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	81.2' X 145' LOT 48 RIVER TRACE SUB PHASE 2 SLIDE 2147-E INTHE CITY OF FOLEY SEC 31-T7S-R4E (WD-SURVIVORSHIP) DEATH CERT
Legal Subdivision	RIVER TRACE PHASE TWO
Legal Phase	2
Legal Block	PH-2
Legal Lot Number	48
Jurisdiction	BALDWIN AL
Township / Civil Division	FOLEY
Census Block Group	1
Census Block	1002
Census Tract	11503

Owner

1409 Thames Dr is owned and occupied by an individual who bought it in September 2015.

Source: Baldwin County records, as of April 16, 2026

Owner of Record	Individual Name on File
Mailing Address	1409 THAMES DR, FOLEY, AL 36535-3568
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
Mar 27, 2026	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Nov 12, 2021	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Sep 4, 2019	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Dec 8, 2020	Deed of Trust, Mortgage · VA Mortgage PLANET HOME LENDING LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 15, 2015 · Amount on File
Deed Sale	Sep 15, 2015 · Amount on File
Prior Sale	Sep 19, 2013
Deed Document Number	20151534514
Record Updated	Jun 8, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALDWIN AL
Property Address	1409 THAMES DR, FOLEY, AL 36535-3568
Transaction Type	Mortgage
Record Updated	Apr 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1409 THAMES DR, FOLEY, AL 36535-3568

Mortgage

Document Number	0002243277
Date	Mar 27, 2026
Instrument	2243277

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALDWIN AL
Property Address	1409 THAMES DR, FOLEY, AL 36535-3568
Transaction Type	Mortgage
Record Updated	Jun 15, 2023
Title Company	EQUITY NATIONAL TITLE LLC, EQUITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001957326
Date	Nov 12, 2021
Instrument	1957326

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	301 Months
Due	Dec 1, 2046

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALDWIN AL
Property Address	1409 THAMES DR, FOLEY, AL 36535-3568
Transaction Type	Mortgage
Record Updated	Oct 21, 2022
Title Company	EQUITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001781856
Date	Sep 4, 2019
Instrument	1781856

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2049

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALDWIN AL
Property Address	1409 THAMES DR, FOLEY, AL 36535-3568
Transaction Type	Mortgage
Record Updated	Oct 21, 2022
Title Company	SOURCE ONE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001875826
Date	Dec 8, 2020
Instrument	1875826

Lender

Name	PLANET HOME LENDING LLC
Type	Mortgage Company
Address	MERIDEN, CT 06450

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$34,640 Land $3,640 Building $31,000	$346,200 Land $36,300 Building $309,900
2023	Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$31,700 (+21.36%)	$317,000 (+21.41%) Land $38,200 Building $278,800
2022	Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$26,120	$261,100 Land $38,800 Building $222,300

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 1409 Thames Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 27, 2020 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 68 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	68 in force
Nearby Flood Claims	17 (2014–2020)
Claims Outside the SFHA	4 of 17
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Sally, Sep 2020 · 16 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 1409 Thames Dr is moderate, ranking above 58% 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 58% of the US · above 74% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF FOLEY, UTILITIES BOARD OF THE serves 50,919 people · EPA ID AL0000036
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	Under 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	29 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 49 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Point Broadband Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: C Spire Wireless.

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