21323 Merlot Loop, Silverhill, AL 36576 Property Records

Baldwin County property record for 21323 Merlot Loop, Silverhill, AL 36576

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,958 sqft · built 2017
Lot Size	0.248 acres (10,800 sqft)
Owner	Individual Name on File
Last Sale	$230,000 (Apr 2020)
Tax Bill	$749 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Apr 2020 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`47-02-09-0-000-022.031`

Property Details

APN / Parcel Number

Primary APN	`47-02-09-0-000-022.031`
Alternative APNs	`296840` `367359`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,958 sqft Heated Area
1st Floor Area	1,958 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	10,800 sqft (0.248 acres)
Lot Dimensions	120 ft deep x 90 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	367359
Street Address	21323 MERLOT LOOP
City	SILVERHILL
State	AL
Zip	36576-3425
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	90' X 120' LOT 28 SONOMA RIDGE PHASE ONE SLIDES 2344-A AND B SEC 9-T6S-R3E (WD)
Legal Subdivision	SONOMA RIDGE PHASE ONE
Legal Phase	1
Legal Lot Number	28
Jurisdiction	BALDWIN AL
Township / Civil Division	ROBERTSDALE
Census Block Group	1
Census Block	1027
Census Tract	10907

Owner

21323 Merlot Loop is owned and occupied by an individual who bought it in April 2020.

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

Owner of Record	Individual Name on File
Mailing Address	21323 MERLOT LOOP, SILVERHILL, AL 36576-3425
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
Apr 18, 2022	Deed of Trust, Mortgage · FHA Mortgage KEESLER FCU
Apr 28, 2020	Warranty Deed, Transfer ATTORNEY ONLY
Jul 17, 2017	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 28, 2020 · Amount on File
Deed Sale	Apr 28, 2020 · Amount on File
Prior Sale	Jul 17, 2017 · Amount on File
Deed Document Number	20201825313
Record Updated	Jun 8, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALDWIN AL
Property Address	21323 MERLOT LOOP, SILVERHILL, AL 36576-3425
Transaction Type	Mortgage
Record Updated	Jun 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001992767
Date	Apr 18, 2022
Instrument	1992767

Lender

Name	KEESLER FCU
Type	Credit Union
Address	BILOXI, MS 39531

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	240 Months
Due	Apr 1, 2042

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BALDWIN AL
Recording Date	Apr 28, 2020
Property Address	21323 MERLOT LOOP, SILVERHILL, AL 36576-3425
Document Number	0001825313
Instrument Date	Apr 10, 2020
Instrument	1825313
Transaction Type	Transfer
Record Updated	May 8, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$230.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21323 MERLOT LN SILVERHILL AL 365763425, SILVERHILL, AL 36576-3425

July 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	BALDWIN AL
Recording Date	Jul 17, 2017
Property Address	21323 MERLOT LOOP, SILVERHILL, AL 36576-3425
Document Number	0001644621
Instrument Date	Jul 13, 2017
Instrument	1644621
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 29, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$38.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13348 COURSEY BLVDA, 13348, BATON ROUGE, LA 70816

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21323 MERLOT LOOP, SILVERHILL, AL 36576-3425

Mortgage

Document Number	0001644622
Date	Jul 17, 2017
Instrument	1644622

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 21323 Merlot Loop was $749 with exemptions applied.

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	$749.00	$30,960 Land $4,500 Building $26,460	$309,500 Land $45,000 Building $264,500
2023	$858.00 (+17.21%) Homeowner's exemption	$29,160 (+16.27%)	$291,500 (+16.23%) Land $36,100 Building $255,400
2022	$732.00 (+22.82%) Homeowner's exemption	$25,080	$250,800 Land $38,000 Building $212,800
2021	$596.00

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 21323 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 21323 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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