21307 Merlot Loop, Silverhill, AL 36576 Property Records

Baldwin County property record for 21307 Merlot Loop, Silverhill, AL 36576

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,699 sqft · built 2018
Lot Size	0.1 acres (4,158 sqft)
Owner	2 Individual Names on Record
Last Sale	$294,000 (Sep 2026)
Tax Bill	$882 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Aug 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`47-02-09-0-000-022.032`

Property Details

APN / Parcel Number

Primary APN	`47-02-09-0-000-022.032`
Alternative APNs	`296841` `352469`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,699 sqft Heated Area
1st Floor Area	1,699 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	4,158 sqft (0.1 acres)
Lot Dimensions	92 ft deep x 45.2 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	352469
Street Address	21307 MERLOT LOOP
City	SILVERHILL
State	AL
Zip	36576-3425
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	45.2' X 92' IRR LOT 29 SONOMA RIDGE PHASE ONE SLIDES 2344-AAND B SEC 9-T6S-R3E (WD/SURVIVORSHIP)
Legal Subdivision	SONOMA RIDGE PHASE ONE
Legal Phase	1
Legal Lot Number	29
Jurisdiction	BALDWIN AL
Township / Civil Division	ROBERTSDALE
Census Block Group	1
Census Block	1027
Census Tract	10907

Owner

Source: Baldwin County records, as of September 25, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	21307 MERLOT LOOP, SILVERHILL, AL 36576-3425
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2026	Warranty Deed, Transfer · Conventional Mortgage FIRST BANK
Aug 23, 2023	Deed of Trust, Mortgage · FHA Mortgage AMERISAVE MORTGAGE CORP
Jan 3, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FREEDOM MORTGAGE CORP
Jun 25, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Mar 19, 2018	Warranty Deed, Subdivision Related Transfer · FHA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 16, 2026 · Amount on Record
Deed Sale	Sep 16, 2026 · Amount on Record
Prior Sale	Mar 19, 2018 · Amount on Record
Deed Document Number	20262278367
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BALDWIN AL
Recording Date	Sep 16, 2026
Property Address	21307 MERLOT LOOP, SILVERHILL, AL 36576-3425
Document Number	0002278367
Instrument Date	Sep 11, 2026
Instrument	20262278367
Transaction Type	Transfer
Record Updated	Sep 25, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$29,694.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21307 MERLOT LOOP, SILVERHILL, AL 36576-3425

Mortgage

Document Number	0002278368,
Date	Sep 16, 2026
Instrument	20262278368

Lender

Name	FIRST BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALDWIN AL
Property Address	21307 MERLOT LOOP, SILVERHILL, AL 36576-3425
Transaction Type	Mortgage
Record Updated	Sep 4, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21307 MERLOT LOOP, SILVERHILL, AL 36576-3425

Mortgage

Document Number	0002082022
Date	Aug 23, 2023
Instrument	2082022

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALDWIN AL
Property Address	21307 MERLOT LOOP, SILVERHILL, AL 36576-3425
Transaction Type	Mortgage
Record Updated	Jun 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21307 MERLOT LOOP, SILVERHILL, AL 36576-3425

Mortgage

Document Number	0001968352
Date	Jan 3, 2022
Instrument	1968352

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Dec 1, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALDWIN AL
Property Address	21307 MERLOT LOOP, SILVERHILL, AL 36576-3425
Transaction Type	Mortgage
Record Updated	Jun 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001838179
Date	Jun 25, 2020
Instrument	1838179

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2050

March 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	BALDWIN AL
Recording Date	Mar 19, 2018
Property Address	21307 MERLOT LOOP, SILVERHILL, AL 36576-3425
Document Number	0001685576
Instrument Date	Mar 16, 2018
Instrument	1685576
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 22, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1220 S RANGE AVE, 1220, DENHAM SPRINGS, LA 70726-4808

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21307 MEROT LOOP, SILVERHILL, AL 36576-3425

Mortgage

Document Number	0001685577
Date	Mar 19, 2018
Instrument	1685577

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2048

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
2025	$882.00 (+7.56%)	$28,160 (+6.42%) Land $4,500 Building $23,660	$281,600 (+6.47%) Land $45,000 Building $236,600
2023	$820.00 (+15.82%)	$26,460 (+15.85%)	$264,500 (+15.81%) Land $36,100 Building $228,400
2022	$708.00 (+31.35%)	$22,840	$228,400 Land $38,000 Building $190,400
2021	$539.00

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 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 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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