15581 Co Rd 13, Fairhope, AL 36532 Property Records

Baldwin County property record for 15581 Co Rd 13, Fairhope, AL 36532

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 3,436 sqft · built 2017
Lot Size	4.9 acres (213,444 sqft)
Owner	2 Individual Names on File
Last Sale	$1,500,000 (Jul 2024)
Tax Bill	$6,692 (2026)
Deeds & Mortgages	Mar 2017 Mortgage Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`56-02-09-1-001-001.007`

Property Details

APN / Parcel Number

Primary APN	`56-02-09-1-001-001.007`
Alternative APNs	`304770` `238852` `550109`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,436 sqft Heated Area
1st Floor Area	2,000 sqft
Upper Floors Area	1,436 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Fiber Cement Siding
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	213,444 sqft (4.9 acres)
Lot Dimensions	703 ft deep x 301 ft wide

Exterior Amenities

Pool Area	975 sqft
Shed	1 Shed
Shed Area	250 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	550109
Street Address	15581 COUNTY ROAD 13
City	FAIRHOPE
State	AL
Zip	36532-5356
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 7 THE GROVES AT POINT CLEAR SLIDE 2390-E & 2390-F
Legal Subdivision	GROVES AT POINT CLEAR, THE
Legal Lot Number	7
Jurisdiction	BALDWIN AL
Township / Civil Division	FAIRHOPE
Census Block Group	4
Census Block	4016
Census Tract	11300

Owner

15581 Co Rd 13 is owned and occupied by two individuals who bought it in July 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	15581 COUNTY ROAD 13, FAIRHOPE, AL 36532-5356
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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 21, 2017	Deed of Trust, Mortgage · Conventional Mortgage THE CITIZENS BANK
Oct 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage BAY MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 11, 2024 · Amount on File
Deed Sale	Jul 11, 2024 · Amount on File
Prior Sale	Feb 24, 2012
Deed Document Number	20242134798
Record Updated	Oct 29, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALDWIN AL
Property Address	15581 COUNTY ROAD 13, FAIRHOPE, AL 36532-5356
Transaction Type	Mortgage
Record Updated	Sep 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001623613
Date	Mar 21, 2017
Instrument	1623613

Lender

Name	THE CITIZENS BANK
Type	Bank
Address	ENTERPRISE, AL 36330

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2047

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALDWIN AL
Property Address	15581 COUNTY ROAD 13, FAIRHOPE, AL 36532-5356
Transaction Type	Mortgage
Record Updated	Sep 29, 2022
Title Company	CTC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001861584
Date	Oct 5, 2020
Instrument	1861584

Lender

Name	BAY MORTGAGE CORP
Type	Mortgage Company
Address	FAIRHOPE, AL 36532

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 15581 Co Rd 13 was $6,692 with a homeowner's exemption, up 23.2% 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	$6,692.00 (+23.15%) Homeowner's exemption
2025	$5,434.00	$119,120 Land $41,280 Building $77,840	$1,191,100 Land $412,700 Building $778,400
2023	$4,702.00 (+19.67%) Homeowner's exemption	$103,200 (+19.44%)	$1,031,700 (+19.42%) Land $392,500 Building $639,200
2022	$3,929.00 (+51.82%) Homeowner's exemption	$86,400	$863,900 Land $305,400 Building $558,500
2021	$2,588.00

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

FEMA maps place 15581 Co Rd 13 in Zone X, an area of minimal flood risk, though there have been 229 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 146 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	146 in force
Nearby Flood Claims	229 (1979–2020)
Claims Outside the SFHA	2 of 229
Most Recent Claim	Oct 2020 · rainfall accumulation
Claims by Event	Hurricane Katrina, Sep 2005 · 110 claims Hurricane Ivan, Sep 2004 · 40 claims Hurricane Georges, Sep 1998 · 37 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 15581 Co Rd 13 is moderate, ranking above 61% 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 61% of the US · above 79% 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 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 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
AT&T DSL · Fixed Wireless	25 / 5

May also be available: T-Mobile, Verizon.

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