18731 E River Rd S, Silverhill, AL 36576 Property Records

Baldwin County property record for 18731 E River Rd S, Silverhill, AL 36576

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 576 sqft · built 1995
Lot Size	3.59 acres (156,380 sqft)
Owner	Individual Name on Record
Tax Bill	$750 (2026)
Deeds & Mortgages	Sep 2021 Mortgage Jul 2021 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`47-09-30-0-000-012.002`

Property Details

APN / Parcel Number

Primary APN	`47-09-30-0-000-012.002`
Alternative APNs	`189416` `93087`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	576 sqft Heated Area
1st Floor Area	576 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2021
Exterior Material	Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	156,380 sqft (3.59 acres)
Lot Dimensions	680 ft deep x 236 ft wide
View / Lot	Waterfront / Beach
Total Buildings	3 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	189416
Street Address	18731 E RIVER RD S
City	SILVERHILL
State	AL
Zip	36576-3051
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	236.4' X 705.6' IRR FM THE NE COR SEC 30 RUN W 1206' TH SW 41.77' CONT SW 298.23' TH SE ALG E R/W OF EAST RIVER RD 348.30' TH
Jurisdiction	BALDWIN AL
Township / Civil Division	ROBERTSDALE
Census Block Group	1
Census Block	1046
Census Tract	10907

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	18731 E RIVER RD S, SILVERHILL, AL 36576-3051
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 7, 2021	Deed of Trust, Mortgage TRUIST BANK
Jul 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK
Apr 1, 2021	Warranty Deed, Transfer · Line of Credit THE FIRST A NATIONAL BANKING ASSN

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Feb 9, 2007
Transfer Doc	0001032347
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALDWIN AL
Property Address	18731 E RIVER RD S, SILVERHILL, AL 36576-3051
Transaction Type	Mortgage
Record Updated	Jun 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001941622
Date	Sep 7, 2021
Instrument	1941622

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Amount	Amount Recorded
Term	299 Months
Due	Aug 11, 2046

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALDWIN AL
Property Address	18731 E RIVER RD S, SILVERHILL, AL 36576-3051
Transaction Type	Mortgage
Record Updated	Jun 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001926477
Date	Jul 6, 2021
Instrument	1926477

Lender

Name	TRUIST BANK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BALDWIN AL
Recording Date	Apr 1, 2021
Property Address	18731 E RIVER RD S, SILVERHILL, AL 36576-3051
Document Number	0001902804
Instrument Date	Mar 31, 2021
Instrument	1902804
Transaction Type	Transfer
Record Updated	Jun 29, 2023

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	18731 E RIVAN RD S, SILVERHILL, AL 36576

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	PO BOX 1992, DAPHNE, AL 36526-1992

Mortgage

Document Number	0001902805
Date	Apr 1, 2021
Instrument	1902805

Lender

Name	THE FIRST A NATIONAL BANKING ASSN
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Apr 5, 2036

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	$750.00 (-1.32%) Homeowner's exemption Senior Citizen's exemption
2025	$760.00 (+0.93%)	$29,440 (-0.41%) Land $4,320 Building $25,120	$694,600 (+22.57%) Land $165,100 Building $529,500
2023	$753.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$29,560 (-43.97%)	$566,700 (+7.47%) Land $125,000 Building $441,700
2022	$753.00 (+13.4%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$52,760	$527,300 Land $115,900 Building $411,400
2021	$664.00

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

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 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 Record median of 30 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	30 in force
Nearby Flood Claims	19 (2005–2020)
Claims Outside the SFHA	2 of 19
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Sally, Sep 2020 · 11 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Apr 2014 · 6 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 67% of the US · above 88% 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 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6

Cell Coverage

4G LTE only, no 5G reported

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