Baldwin County property record for 22076 Garland Loop, Silverhill, AL 36576
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,890 sqft · built 2018 |
| Lot Size | 0.348 acres (15,179 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $315,000 (Aug 2026) |
| Tax Bill | $875 (2026) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage Sep 2025 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 47-02-04-0-000-007.033 |
| Primary APN | 47-02-04-0-000-007.033 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,890 sqft Heated Area |
| 1st Floor Area | 1,890 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| 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 | 15,179 sqft (0.348 acres) |
| Lot Dimensions | 133 ft deep x 166 ft wide |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 344900 |
|---|---|
| Street Address | 22076 GARLAND LOOP |
| City | SILVERHILL |
| State | AL |
| Zip | 36576-3667 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 166'(S) X 133' IRR LOT 24 LAUREL HILL SUB SLIDE 2249-A SEC 4-T6S-R3E (WD/SURVIVORSHIP) |
| Legal Subdivision | LAUREL HILL SUB |
| Legal Lot Number | 24 |
| Jurisdiction | BALDWIN AL |
| Township / Civil Division | ROBERTSDALE |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 10907 |
22076 Garland Loop is owned and occupied by two individuals who bought it in August 2026.
Source: Baldwin County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 22076 GARLAND LOOP, SILVERHILL, AL 36576-3667 |
| 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.
| Date | Document |
|---|---|
| Aug 11, 2026 | Warranty Deed, Transfer · Conventional Mortgage BAY MORTGAGE CORPORATION |
| Sep 19, 2025 | Deed of Trust, Mortgage · FHA Mortgage ADVANCE MORTGAGE & INVESTMENT CO INC |
| Jan 10, 2022 | Deed of Trust, Mortgage · FHA Mortgage ADVANCE MORTGAGE & INVESTMENT CO INC |
| May 24, 2021 | Deed of Trust, Mortgage · FHA Mortgage JAMES B NUTTER & CO |
| Mar 29, 2018 | Warranty Deed, Subdivision Related Transfer · FHA Mortgage GMFS |
| Oct 16, 2017 | Loan Modification, Mortgage · Line of Credit REGIONS BK |
| Oct 16, 2017 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 11, 2026 · Amount on File |
| Deed Sale | Aug 11, 2026 · Amount on File |
| Prior Sale | Mar 29, 2018 · Amount on File |
| Deed Document Number | 20262271624 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BALDWIN AL |
| Recording Date | Aug 11, 2026 |
| Property Address | 22076 GARLAND LOOP, SILVERHILL, AL 36576-3667 |
| Document Number | 0002271624 |
| Instrument Date | Aug 10, 2026 |
| Instrument | 20262271624 |
| Transaction Type | Transfer |
| Record Updated | Aug 18, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $31,815.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 22076 GARLAND LOOP, SILVERHILL, AL 36576-3667 |
| Document Number | 0002271625, |
|---|---|
| Date | Aug 11, 2026 |
| Instrument | 20262271625 |
| Name | BAY MORTGAGE CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.49% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BALDWIN AL |
| Property Address | 22076 GARLAND LOOP, SILVERHILL, AL 36576-3667 |
| Transaction Type | Mortgage |
| Record Updated | Oct 1, 2025 |
| Name | Verified Name |
|---|---|
| Address | 22076 GARLAND LOOP, SILVERHILL, AL 36576-3667 |
| Document Number | 0002211351 |
|---|---|
| Date | Sep 19, 2025 |
| Instrument | 2211351 |
| Name | ADVANCE MORTGAGE & INVESTMENT CO INC |
|---|---|
| Type | Mortgage Company |
| Address | DAPHNE, AL 36527 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jan 1, 2031 |
| Change Frequency | Annually |
| Min Rate At Change | 4% |
| Max Rate At Change | 6% |
| Index | 1-Year CMT |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BALDWIN AL |
| Property Address | 22076 GARLAND LOOP, SILVERHILL, AL 36576-3667 |
| Transaction Type | Mortgage |
| Record Updated | Jan 19, 2022 |
| Title Company | NATIONS FIRST TITLE AGENCY, NATIONS DIRECT TTL AGCY LLC |
| Name | Verified Name |
|---|
| Document Number | 0001970161 |
|---|---|
| Date | Jan 10, 2022 |
| Instrument | 1970161 |
| Name | ADVANCE MORTGAGE & INVESTMENT CO INC |
|---|---|
| Type | Mortgage Company |
| Address | DAPHNE, AL 36527 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BALDWIN AL |
| Property Address | 22076 GARLAND LOOP, SILVERHILL, AL 36576-3667 |
| Transaction Type | Mortgage |
| Record Updated | Jun 3, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0001916464 |
|---|---|
| Date | May 24, 2021 |
| Instrument | 1916464 |
| Name | JAMES B NUTTER & CO |
|---|---|
| Type | Mortgage Company |
| Address | KANSAS CITY, MO 64111 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 358 Months |
| Due | Mar 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BALDWIN AL |
| Recording Date | Mar 29, 2018 |
| Property Address | 22076 GARLAND LOOP, SILVERHILL, AL 36576-3667 |
| Document Number | 0001687434 |
| Instrument Date | Mar 16, 2018 |
| Instrument | 1687434 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Apr 13, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3.50 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 22076 GARLAND LOOP SILVERHILL AL 36576, SILVERHILL, AL 36576 |
| Document Number | 1687435 |
|---|---|
| Date | Mar 29, 2018 |
| Instrument | 1687435 |
| Name | GMFS |
|---|---|
| Address | BATON ROUGE, LA 70806 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 28, 2048 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | BALDWIN AL |
| Recording Date | Oct 16, 2017 |
| Property Address | 22076 GARLAND LOOP, SILVERHILL, AL 36576-3667 |
| Instrument Date | Oct 10, 2017 |
| Instrument | 1660952 |
| Transaction Type | Mortgage |
| Record Updated | Aug 27, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 3000 GULF BREEZE PKWY GULF BREEZE FL 325635623, GULF BREEZE, FL 32563-5623 |
| Document Number | 0001660952 |
|---|---|
| Date | Oct 16, 2017 |
| Instrument | 1660952 |
| Name | REGIONS BK |
|---|---|
| Type | Bank |
| Address | 1042 MAIN ST # 2ND, DUNEDIN, FL 34698-5242 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BALDWIN AL |
| Recording Date | Oct 16, 2017 |
| Property Address | 22076 GARLAND LOOP, SILVERHILL, AL 36576-3667 |
| Document Number | 0001660951 |
| Instrument Date | Oct 10, 2017 |
| Instrument | 1660951 |
| Transaction Type | Transfer |
| Record Updated | Nov 15, 2017 |
| Amount | Amount on Record |
|---|---|
| Tax | $60.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 3000 GULF BREEZE PKWY GULF BREEZE FL 325635623, GULF BREEZE, FL 32563-5623 |
| Investor | Possibly a Property Investor |
The 2026 property tax bill for 22076 Garland Loop was $875 with a homeowner's exemption, down 1.2% from the year before.
Source: Baldwin County assessment roll, as of April 16, 2026
| Type | Name |
|---|---|
| State | Alabama |
| County | Baldwin County |
| Unified School District | Baldwin County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $875.00 (-1.24%) Homeowner's exemption | ||
| 2025 | $886.00 | $29,740 Land $4,280 Building $25,460 | $297,300 Land $42,800 Building $254,500 |
| 2023 | $812.00 (+20.12%) Homeowner's exemption | $27,660 (+18.92%) | $276,600 (+18.97%) Land $22,200 Building $254,400 |
| 2022 | $676.00 (+24.95%) Homeowner's exemption | $23,260 | $232,500 Land $23,400 Building $209,100 |
| 2021 | $541.00 |
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.
FEMA maps place 22076 Garland Loop in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2014.
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 |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 8 in force |
| Nearby Flood Claims | 3 (2014–2020) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Sep 2020 · Hurricane Sally |
| Claims by Event |
|
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 risk around 22076 Garland Loop is moderate, ranking above 66% of the US, with a 0.3% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 66% of the US · above 86% of Alabama |
|---|---|
| Wildfire Likelihood | 0.3% 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.
Source: FCC Broadband Data Collection, based on 47 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Xtream Fiber | 2,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
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