Baldwin County property record for 23914 Cottage Loop, Orange Beach, AL 36561 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,871 sqft · built 2020 |
| Lot Size | 0.066 acres (2,887 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $410,000 (Mar 2024) |
| Tax Bill | $2,812 (2025) |
| Deeds & Mortgages | Mar 2024 Mortgage Aug 2021 Mortgage + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 66-01-01-1-001-001.120 |
| Primary APN | 66-01-01-1-001-001.120 |
|---|---|
| Alternative APNs |
|
| 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 |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Fiber Cement Siding |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 2,887 sqft (0.066 acres) |
| Lot Dimensions | 80.2 ft deep x 36 ft wide |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 544134 |
|---|---|
| Street Address | 23914 COTTAGE LOOP |
| City | ORANGE BEACH |
| State | AL |
| Zip | 36561-5227 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 4 CYPRESS VILLAGE COURTYARD COTTAGES SUBDIVISION, A PUD SLIDE 2606-C |
| Legal Subdivision | CYPRESS VILLAGE COURTYARD COTTAGES SUB |
| Legal Lot Number | 4 |
| Jurisdiction | BALDWIN AL |
| Township / Civil Division | FOLEY |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 11417 |
Source: Baldwin County records · APN 66-01-01-1-001-001.120
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 4540 MCGOWANS FERRY RD, CHILDERSBURG, AL 35044-5530 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Mar 20, 2024 | Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC |
| Aug 27, 2021 | Intrafamily Transfer, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Jun 22, 2020 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage DHI MORTGAGE COMPANY LTD |
| Jun 28, 2019 | Warranty Deed, Transfer MBR LTD |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 20, 2024 · Amount on Record |
| Deed Sale | Mar 20, 2024 · Amount on Record |
| Prior Sale | Aug 27, 2021 |
| Deed Document Number | 20242113463 |
| Prior Transfer Date | Aug 18, 2021 |
| Prior Transfer Doc | 0001939698 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BALDWIN AL |
| Recording Date | Mar 20, 2024 |
| Property Address | 23914 COTTAGE LOOP, ORANGE BEACH, AL 36561-5227 |
| Document Number | 0002113463 |
| Map Reference | SL 2606-C&D |
| Instrument Date | Mar 06, 2024 |
| Instrument | 2113463 |
| Transaction Type | Transfer |
| Record Updated | Apr 03, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 453 ALDRIN AVE, GULF SHORES, AL 36542-2896 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 4540 MCGOWANS FERRY RD, CHILDERSBURG, AL 35044-5530 |
| Document Number | 0002113464 |
|---|---|
| Date | Mar 20, 2024 |
| Instrument | 2113464 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2054 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BALDWIN AL |
| Recording Date | Aug 27, 2021 |
| Property Address | 23914 COTTAGE LOOP, ORANGE BEACH, AL 36561-5227 |
| Document Number | 0001939698 |
| Instrument Date | Aug 18, 2021 |
| Instrument | 1939698 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2023 |
| Title Company | BOSTON NATIONAL TITLE AGENCY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 23914 COTTAGE LOOP, ORANGE BEACH, AL 36561-5227 |
| Document Number | 0001939699 |
|---|---|
| Date | Aug 27, 2021 |
| Instrument | 1939699 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BALDWIN AL |
| Recording Date | Jun 22, 2020 |
| Property Address | 23914 COTTAGE LOOP, ORANGE BEACH, AL 36561-5227 |
| Document Number | 0001837088 |
| Map Reference | SL 2606-C&D |
| Instrument Date | Jun 19, 2020 |
| Instrument | 1837088 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Mar 29, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 25366 PROFIT DR, 25366, DAPHNE, AL 36526-5126 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 23914 COTTAGE LOOP, DAPHNE, AL 36526 |
| Document Number | 0001837089 |
|---|---|
| Date | Jun 22, 2020 |
| Instrument | 1837089 |
| Name | DHI MORTGAGE COMPANY LTD |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BALDWIN AL |
| Recording Date | Jun 28, 2019 |
| Property Address | 23914 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 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.50 |
| Additional |
|
| Name | Verified Name |
|---|
| 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 |
| Document Number | 1768772 |
|---|---|
| Date | Jun 28, 2019 |
| Instrument | 1768772 |
| Name | MBR LTD |
|---|---|
| Address | 1013 CAPTAIN ONEAL DR, DAPHNE, AL 36526-4023 |
| Amount | Amount Recorded |
|---|
Source: Baldwin County records · Assessment roll updated April 16, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Alabama |
| County | Baldwin County |
| Municipality | Orange Beach City |
| Unified School District | Orange Beach City School District (KG - 12) |
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 | $2,812.00 (+144.1%) | $87,880 (+131.75%) Land $15,620 Building $72,260 | $439,400 (+15.88%) Land $78,100 Building $361,300 |
| 2023 | $1,152.00 (+20.63%) Homeowner's exemption | $37,920 (+19.4%) | $379,200 (+19.47%) Land $64,800 Building $314,400 |
| 2022 | $955.00 (+15.76%) Homeowner's exemption | $31,760 | $317,400 Land $66,300 Building $251,100 |
| 2021 | $825.00 |
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
| 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 |
|
| 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.
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.
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