Baldwin County property record for 23950 Cottage Loop, Orange Beach, AL 36561 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 1.5 Baths |
| Year Built | Built 2021 |
| Square Footage | 1,871 sqft Heated Area |
| Lot Size | 2,727 sqft (0.063 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $375,000 (2022) |
| Tax Bill | $2,812.00 (2025) |
| Primary APN | 66-01-01-1-001-001.138 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Partial Baths | 1 Partial Baths |
| Building Area | 1,871 sqft Heated Area |
| 1st Floor | 766 sqft 1st Floor |
| Upper Floors | 1,105 sqft Upper Floors |
| Stories | 2 Stories |
| Primary Flooring | Hardwood Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2021 |
| Exterior Material | Fiber Cement Siding (Hardi-Board/Hardi-Plank) Exterior |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Asphalt Roof |
| Lot Area | 2,727 sqft (0.063 acres) |
| Depth X Width | 73.7 ft x 37 ft Depth x Width |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Account Number | 507919 |
|---|---|
| Street Address | 23950 COTTAGE LOOP |
| City | ORANGE BEACH |
| State | AL |
| Zip | 36561-5227 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | 37' X 73.7' LOT 22 CYPRESS VILLAGE COURTYARD COTTAGES SUBDIVISION, A PUD SLIDE 2606-C LYING IN THE CITY OF ORANGE BEACHSEC 1- |
| Legal Subdivision | CYPRESS VILLAGE COURTYARD COTTAGES SUB |
| Legal Lot Number | 22 |
| Jurisdiction | BALDWIN AL |
| Minor Civil Division | FOLEY |
| Census Blockgroup | 2 |
| Census Block | 2004 |
| Census Tract | 11417 |
Source: Baldwin County records · APN 66-01-01-1-001-001.138
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 | 23950 COTTAGE LOOP, ORANGE BEACH, AL 36561-5227 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Et Al (and Others) - Vendor Data Only |
| Date | Document |
|---|---|
| Jul 08, 2021 | Deed of Trust, Mortgage · Stand Alone Second Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Jan 05, 2022 | Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Feb 12, 2020 | Warranty Deed, Subdivision Related Transfer · Federal Housing Administration (FHA) Mortgage GOLDWATER BANK NA |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 05, 2022 · Amount on Record |
| Deed Sale | Jan 05, 2022 · Amount on Record |
| Prior Sale | Feb 12, 2020 · Amount on Record |
| Deed Doc Number | 20221969096 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BALDWIN AL |
| Property Address | 23950 COTTAGE LOOP, ORANGE BEACH, AL 36561-5227 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0001927408 |
|---|---|
| Date | Jul 08, 2021 |
| Instrument | 1927408 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | Stand Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 344 Months |
| Due | Mar 01, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BALDWIN AL |
| Recording Date | Jan 05, 2022 |
| Property Address | 23950 COTTAGE LOOP, ORANGE BEACH, AL 36561-5227 |
| Document Number | 0001969096 |
| Map Reference | SL 12606-C&DF8Y |
| Instrument Date | Jan 04, 2022 |
| Instrument | 1969096 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2023 |
| Title Company | AUSTIN TITLE, ATC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6301 CLARENDON RD, MONTGOMERY, AL 36117-5202 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants In Common |
| Address | 23950 COTTAGE LOOP, ORANGE BEACH, AL 36561-5227 |
| Document Number | 0001969097 |
|---|---|
| Date | Jan 05, 2022 |
| Instrument | 1969097 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BALDWIN AL |
| Recording Date | Feb 12, 2020 |
| Property Address | 23950 COTTAGE LOOP, ORANGE BEACH, AL 36561-5227 |
| Document Number | 0001811116 |
| Map Reference | SL 2606-C&D |
| Instrument Date | Feb 07, 2020 |
| Instrument | 1811116 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jun 22, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | From Affidavit or Verified |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 25366 PROFIT DR, 25366, DAPHNE, AL 36526-5126 |
| Name | Verified Name |
|---|---|
| Address | 23950 COTTAGE LOOP, DAPHNE, AL 36526 |
| Document Number | 0001811117 |
|---|---|
| Date | Feb 12, 2020 |
| Instrument | 1811117 |
| Name | GOLDWATER BANK NA |
|---|---|
| Type | Bank |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2050 |
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 (+15.91%) | $87,880 (+15.88%) Land $15,620 Building $72,260 | $439,400 (+15.88%) Land $78,100 Building $361,300 |
| 2023 | $2,426.00 (+19.45%) | $75,840 (+19.47%) | $379,200 (+19.47%) Land $64,800 Building $314,400 |
| 2022 | $2,031.00 (+14.62%) | $63,480 | $317,400 Land $66,300 Building $251,100 |
| 2021 | $1,772.00 |
23950 Cottage Loop is in FEMA Zone AE, inside the Special Flood Hazard Area, with indirect wildfire exposure (Moderate risk).
Source: FEMA National Flood Hazard Layer · Baldwin County (01003C), updated September 27, 2020
| FEMA Flood Zone | Zone AE 1% annual chance, base flood elevation determined |
|---|---|
| Special Flood Hazard Area | Yes flood insurance required for federally backed mortgages |
| Floodway | No |
| Base Flood Elevation | 9.0 ft vertical datum per the FIRM (NAVD88 on current maps) |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Moderate 50th percentile of exposed land nationally · 60th in Alabama |
|---|---|
| Wildfire Likelihood | Moderate — about 1 in 1,075 per year |
| Exposure | Indirect within ember reach of burnable land · adjoins burnable vegetation |
Values are read at the parcel center point; lenders make the official flood determination.
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