23950 3rd St, Fairhope, AL 36532 Property Records

Baldwin County property record for 23950 3rd St, Fairhope, AL 36532

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,820 sqft · built 2005
Lot Size	0.499 acres (21,757 sqft)
Owner	2 Individual Names on Record
Last Sale	$770,000 (Sep 2024)
Tax Bill	$2,235 (2026)
Deeds & Mortgages	Sep 2023 Line of Credit Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`43-09-32-0-000-015`

Property Details

APN / Parcel Number

Primary APN	`43-09-32-0-000-015`
Alternative APNs	`553443` `346944` `66019`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,820 sqft Heated Area
1st Floor Area	2,820 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Fiber Cement Siding
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	21,757 sqft (0.499 acres)
Lot Dimensions	208 ft deep x 104 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	553443
Street Address	23950 3RD ST
City	FAIRHOPE
State	AL
Zip	36532-6374
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S1/2 OF W1/3 OF LOT 3 BLK 25 MONTROSE PB DBE PG388
Legal Block	25
Legal Lot Number	3
Jurisdiction	BALDWIN AL
Township / Civil Division	DAPHNE
Census Block Group	3
Census Block	3046
Census Tract	10800

Owner

Source: Baldwin County records, as of October 20, 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 Record
Mailing Address	23950 3RD ST, FAIRHOPE, AL 36532-6374
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2023	Deed of Trust, Mortgage · Line of Credit RIVER BANK & TRUST
Oct 11, 2019	Deed of Trust, Mortgage · VA Mortgage RIVER BK&TR
Aug 3, 2018	Warranty Deed, Transfer · VA Mortgage RIVER BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 23, 2024 · Amount on Record
Deed Sale	Sep 23, 2024 · Amount on Record
Prior Sale	Nov 8, 2012 · Amount on Record
Deed Document Number	20242147881
Prior Transfer Date	Jun 30, 2010
Prior Transfer Doc	0001239975
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALDWIN AL
Property Address	23950 3RD ST, FAIRHOPE, AL 36532-6374
Transaction Type	Mortgage
Record Updated	Oct 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23950 3RD ST, FAIRHOPE, AL 36532-6374

Mortgage

Document Number	0002087186
Date	Sep 21, 2023
Instrument	2087186

Lender

Name	RIVER BANK & TRUST
Type	Bank
Address	DAPHNE, AL 36526

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALDWIN AL
Property Address	23950 3RD ST, FAIRHOPE, AL 36532-6374
Document Number	0001790170
Instrument Date	Oct 11, 2019
Transaction Type	Mortgage
Record Updated	Oct 30, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	23950 3RD ST FAIRHOPE AL 365326374, FAIRHOPE, AL 36532-6374

Mortgage

Document Number	0001790170
Date	Oct 18, 2019
Instrument	1790170

Lender

Name	RIVER BK&TR
Type	Funding / Finance Company
Address	PRATTVILLE, AL 36066

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 17, 2049

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BALDWIN AL
Recording Date	Aug 3, 2018
Property Address	23950 3RD ST, FAIRHOPE, AL 36532-6374
Document Number	0001711772
Instrument Date	Jul 31, 2018
Instrument	1711772
Transaction Type	Transfer
Record Updated	Aug 27, 2018
Title Company	OTHER

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	PO BOX 750 MONTROSE AL 365590750, MONTROSE, AL 36559-0750

Mortgage

Document Number	1711773
Date	Aug 3, 2018
Instrument	1711773

Lender

Name	RIVER BK&TR
Type	Funding / Finance Company
Address	PRATTVILLE, AL 36066

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 2, 2048

Tax Assessment & Valuation

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
2026	$2,235.00 (+7.09%) Homeowner's exemption
2025	$2,087.00 (+10.25%)	$68,780 (+10.01%) Land $21,180 Building $47,600	$687,800 (+10.01%) Land $211,800 Building $476,000
2023	$1,893.00 (+32.29%) Homeowner's exemption	$62,520 (+31.23%)	$625,200 (+31.23%) Land $182,800 Building $442,400
2022	$1,431.00 (+6.32%) Homeowner's exemption	$47,640	$476,400 Land $163,800 Building $312,600
2021	$1,346.00

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

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	11 units insured incl. 2 condo units
Nearby Flood Claims	31 (1979–2017)
Claims Outside the SFHA	14 of 31
Most Recent Claim	Jun 2017 · rainfall accumulation
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Apr 2014 · 4 claims Hurricane Katrina, Aug 2005 · 3 claims Severe Storms, Flooding,high Winds, Assoc With Hurr Danny, Jul 1997 · 3 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 67% of the US · above 87% of Alabama
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF DAPHNE, UTILITIES BOARD OF THE serves 33,372 people · EPA ID AL0000029
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	5 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 109 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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