23912 Cottage Loop, Orange Beach, AL 36561 Property Records

Baldwin County property record for 23912 Cottage Loop, Orange Beach, AL 36561 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,871 sqft · built 2020
Lot Size	0.065 acres (2,826 sqft)
Owner	Individual Name on File
Last Sale	$385,000 (Oct 2023)
Tax Bill	$1,419 (2025)
Deeds & Mortgages	Oct 2023 Sale Aug 2021 Sale & Mortgage + 3 more
Flood Zone	Zone AE (high risk)
APN	`66-01-01-1-001-001.119`

Property Details

APN / Parcel Number

Primary APN	`66-01-01-1-001-001.119`
Alternative APNs	`373526` `302036` `387844` `537663`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,871 sqft Heated Area
1st Floor Area	766 sqft
Upper Floors Area	1,105 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	2,826 sqft (0.065 acres)
Lot Dimensions	86.7 ft deep x 32.6 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	537663
Street Address	23912 COTTAGE LOOP
City	ORANGE BEACH
State	AL
Zip	36561-5227
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 CYPRESS VILLAGE COURTYARD COTTAGES SUBDIVISION, A PUD SLIDE 2606-C
Legal Subdivision	CYPRESS VILLAGE COURTYARD COTTAGES SUB
Legal Lot Number	3
Jurisdiction	BALDWIN AL
Township / Civil Division	FOLEY
Census Block Group	2
Census Block	2004
Census Tract	11417

Owner

Source: Baldwin County records · APN 66-01-01-1-001-001.119

Assessment roll updated April 16, 2026 · Last verified April 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 File
Mailing Address	15675 HIGHWAY 69 N, NORTHPORT, AL 35475-3106
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 30, 2023	Warranty Deed, Transfer
Aug 13, 2021	Warranty Deed, Transfer · FHA Mortgage THE FIRST A NATIONAL BANKING ASSN
May 01, 2020	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage DHI MORTGAGE COMPANY LTD
Jun 28, 2019	Warranty Deed, Transfer MBR LTD
Apr 25, 2018	Deed of Trust, Mortgage BRYANT BK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 30, 2023 · Amount on Record
Deed Sale	Oct 30, 2023 · Amount on Record
Prior Sale	Aug 13, 2021 · Amount on Record
Deed Document Number	20232092941
Record Updated	Jun 08, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BALDWIN AL
Recording Date	Oct 30, 2023
Property Address	23912 COTTAGE LOOP, ORANGE BEACH, AL 36561-5227
Document Number	0002092941
Map Reference	SL 2606-C&D
Instrument Date	Oct 26, 2023
Instrument	2092941
Transaction Type	Transfer
Record Updated	Nov 08, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4237 WOOD GLEN TRCE, ORANGE BEACH, AL 36561-3823

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15675 HIGHWAY 69 N, NORTHPORT, AL 35475-3106

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BALDWIN AL
Recording Date	Aug 13, 2021
Property Address	23912 COTTAGE LOOP, ORANGE BEACH, AL 36561-5227
Document Number	0001936350
Instrument Date	Aug 13, 2021
Instrument	1936350
Transaction Type	Transfer
Record Updated	Jun 29, 2023
Title Company	AUSTIN TITLE, ATC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	23912 COTTAGE LOOP, GULF SHORES, AL 36542

Mortgage

Document Number	0001936351
Date	Aug 13, 2021
Instrument	1936351

Lender

Name	THE FIRST A NATIONAL BANKING ASSN
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2051

May 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	BALDWIN AL
Recording Date	May 01, 2020
Property Address	23912 COTTAGE LOOP, ORANGE BEACH, AL 36561-5227
Document Number	0001826038
Map Reference	SL 2606-C&D
Instrument Date	Apr 30, 2020
Instrument	1826038
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 29, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	25366 PROFIT DR, 25366, DAPHNE, AL 36526-5126

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23912 COTTAGE LOOP, DAPHNE, AL 36526

Mortgage

Document Number	0001826039
Date	May 01, 2020
Instrument	1826039

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2050

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BALDWIN AL
Recording Date	Jun 28, 2019
Property Address	23912 COTTAGE LOOP, ORANGE BEACH, AL 36561-5227
Document Number	0001768771
Instrument Date	Jun 18, 2019
Instrument	1768771
Transaction Type	Transfer
Record Updated	Jul 09, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.50
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	29891 WOODROW LN #100 SPANISH FORT AL 365278774, 100, SPANISH FORT, AL 36527-8774
Investor	Possibly a Property Investor

Mortgage

Document Number	1768772
Date	Jun 28, 2019
Instrument	1768772

Lender

Name	MBR LTD
Address	1013 CAPTAIN ONEAL DR, DAPHNE, AL 36526-4023

Agreement

Amount	Amount Recorded

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALDWIN AL
Property Address	23912 COTTAGE LOOP, ORANGE BEACH, AL 36561-5227
Document Number	0001703367
Instrument Date	Apr 25, 2018
Transaction Type	Mortgage
Record Updated	Jul 12, 2018
Title Company	OTHER

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	CYPRESS VLG ORANGE BEACH AL 36561, ORANGE BEACH, AL 36561
Investor	Possibly a Property Investor

Mortgage

Document Number	0001703367
Date	Jun 21, 2018
Instrument	1703367

Lender

Name	BRYANT BK
Type	Bank
Address	FOLEY, AL 36535

Agreement

Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Baldwin County records · Assessment roll updated April 16, 2026 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Alabama
County	Baldwin County
Municipality	Orange Beach City
Unified School District	Orange Beach City School District (KG - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,419.00 (-42.06%)	$44,360 (-42.04%) Land $7,820 Building $36,540	$443,500 (+15.89%) Land $78,100 Building $365,400
2023	$2,449.00 (+19.52%)	$76,540 (+19.52%)	$382,700 (+19.52%) Land $64,800 Building $317,900
2022	$2,049.00 (+145.98%)	$64,040	$320,200 Land $66,300 Building $253,900
2021	$833.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Baldwin County (01003C), updated September 27, 2020 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 010030114172, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	9.0 ft
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 261 individual NFIP policies nearby
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	628 units insured 367 under condo master policies
Nearby Flood Claims	151 (2004–2020)
Claims Outside the SFHA	5 of 151
Most Recent Claim	Sep 2020, tidal / storm surge
Claims By Storm	Hurricane Sally, Sep 2020 · 134 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Apr 2014 · 6 claims Hurricane Ivan, Sep 2004 · 5 claims

Wildfire

Wildfire Risk	Moderate above 50% of the US · above 60% of Alabama
Wildfire Likelihood	About 1 in 1,075 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 207 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Telapex	Fiber	8,000 / 8,000
Mediacom Communications	Cable	1,000 / 50
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
AT&T	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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