23938 Cottage Loop, Orange Beach, AL 36561 Property Records

Baldwin County property record for 23938 Cottage Loop, Orange Beach, AL 36561 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,856 sqft · built 2020
Lot Size	0.065 acres (2,837 sqft)
Owner	2 Individual Names on File
Last Sale	$410,000 (Aug 2024)
Tax Bill	$1,347 (2025)
Deeds & Mortgages	Jun 2019 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`66-01-01-1-001-001.132`

Property Details

APN / Parcel Number

Primary APN	`66-01-01-1-001-001.132`
Alternative APNs	`373539` `371637` `552215`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,856 sqft Heated Area
1st Floor Area	751 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	2,837 sqft (0.065 acres)
Lot Dimensions	78.8 ft deep x 36 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	552215
Street Address	23938 COTTAGE LOOP
City	ORANGE BEACH
State	AL
Zip	36561-5227
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 16 CYPRESS VILLAGE COURTYARD COTTAGES SUBDIVISION, A PUD SLIDE 2606-C
Legal Subdivision	CYPRESS VILLAGE COURTYARD COTTAGES SUB
Legal Lot Number	16
Jurisdiction	BALDWIN AL
Township / Civil Division	FOLEY
Census Block Group	2
Census Block	2004
Census Tract	11417

Owner

Source: Baldwin County records · APN 66-01-01-1-001-001.132

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	23938 COTTAGE LOOP, ORANGE BEACH, AL 36561-5227
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 28, 2024 · Amount on Record
Deed Sale	Aug 28, 2024 · Amount on Record
Prior Sale	Sep 08, 2020 · Amount on Record
Deed Document Number	20242143442
Record Updated	Jun 08, 2026

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BALDWIN AL
Recording Date	Jun 28, 2019
Property Address	23938 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

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	$1,347.00 (+5.65%)	$44,020 (+5.36%) Land $7,820 Building $36,200	$440,100 (+5.34%) Land $78,100 Building $362,000
2024	$1,275.00 (+10.39%) Homeowner's exemption	$41,780 (+9.95%) Land $7,280 Building $34,500	$417,800 (+9.98%) Land $72,800 Building $345,000
2023	$1,155.00 (+20.69%) Homeowner's exemption	$38,000 (+19.42%)	$379,900 (+19.43%) Land $64,800 Building $315,100
2022	$957.00 (+15.72%) Homeowner's exemption	$31,820	$318,100 Land $66,300 Building $251,800
2021	$827.00

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) 158 of 261 individual policies on primary residences
Nearby Flood Claims	151 (2004–2020)
Claims Outside the SFHA	5 of 151
Most Recent Claim	Sep 2020, tidal / storm surge
Flood Events	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.