21296 Merlot Loop, Silverhill, AL 36576 Property Records

Baldwin County property record for 21296 Merlot Loop, Silverhill, AL 36576

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,570 sqft · built 2016
Lot Size	0.24 acres (10,650 sqft)
Owner	Individual Name on File
Last Sale	$240,000 (Jul 2021)
Tax Bill	$871 (2026)
Deeds & Mortgages	Sep 2026 Line of Credit Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`47-02-09-0-000-022.017`

Property Details

APN / Parcel Number

Primary APN	`47-02-09-0-000-022.017`
Alternative APNs	`296826` `333138` `388511`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,570 sqft Heated Area
1st Floor Area	1,570 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	10,650 sqft (0.24 acres)
Lot Dimensions	177 ft deep x 60 ft wide
Utility Building	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	388511
Street Address	21296 MERLOT LOOP
City	SILVERHILL
State	AL
Zip	36576-4033
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	60' X 177.5' IRR LOT 14 SONOMA RIDGE PHASE ONE SLIDES 2344-A AND B SEC 9-T6S-R3E (WD-SURVIVORSHIP)
Legal Subdivision	SONOMA RIDGE PHASE ONE
Legal Phase	1
Legal Lot Number	14
Jurisdiction	BALDWIN AL
Township / Civil Division	ROBERTSDALE
Census Block Group	1
Census Block	1025
Census Tract	10907

Owner

21296 Merlot Loop is owned and occupied by an individual who bought it in July 2021.

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

Owner of Record	Individual Name on File
Mailing Address	21296 MERLOT LOOP, SILVERHILL, AL 36576-4033
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
Sep 14, 2026	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Jul 14, 2021	Warranty Deed, Transfer · Conventional Mortgage HOME MORTGAGE OF AMERICA INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 14, 2021 · Amount on File
Deed Sale	Jul 14, 2021 · Amount on File
Prior Sale	Sep 28, 2016 · Amount on File
Deed Document Number	20211928849
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALDWIN AL
Recording Date	Sep 14, 2026
Property Address	21296 MERLOT LOOP, SILVERHILL, AL 36576-4033
Document Number	0002277723
Instrument Date	Aug 28, 2026
Instrument	20262277723
Transaction Type	Mortgage
Record Updated	Sep 29, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21296 MERLOT LOOP, SILVERHILL, AL 36576-4033

Mortgage

Document Number	0002277723,
Date	Sep 14, 2026
Instrument	20262277723

Lender

Name	REGIONS BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 22, 2056

Interest

Max Rate	-1%

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BALDWIN AL
Recording Date	Jul 14, 2021
Property Address	21296 MERLOT LOOP, SILVERHILL, AL 36576-4033
Document Number	0001928849
Map Reference	DOC 1079571
Instrument Date	Jul 14, 2021
Instrument	1928849
Transaction Type	Transfer
Record Updated	Jun 29, 2023

Transaction

Amount	Amount on Record
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	21296 MERLOT LOOP, SILVERHILL, AL 36576-4033

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	25634 VENUS CT, LOXLEY, AL 36551-7430

Mortgage

Document Number	0001928850
Date	Jul 14, 2021
Instrument	1928850

Lender

Name	HOME MORTGAGE OF AMERICA INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 21296 Merlot Loop was $871 with a homeowner's exemption, up 2.4% from the year before.

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	$871.00 (+2.35%) Homeowner's exemption
2025	$851.00	$28,600 Land $4,500 Building $24,100	$285,900 Land $45,000 Building $240,900
2023	$793.00 (+20.7%) Homeowner's exemption	$27,060 (+19.42%)	$270,300 (+19.34%) Land $36,100 Building $234,200
2022	$657.00 (+23.03%) Homeowner's exemption	$22,660	$226,500 Land $38,000 Building $188,500
2021	$534.00

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 21296 Merlot Loop in Zone X, an area of minimal flood risk, though there have been 19 flood claims nearby since 2005.

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 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

Wildfire risk around 21296 Merlot Loop is moderate, ranking above 57% 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 57% of the US · above 72% of Alabama
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 148 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

May also be available: Mediacom Xtream.

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