23954 Cottage Loop, Orange Beach, AL 36561 Property Records

Baldwin County property record for 23954 Cottage Loop, Orange Beach, AL 36561 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,772 sqft · built 2020
Lot Size	0.063 acres (2,727 sqft)
Owner	Company Name on File
Last Sale	$450,000 (Jul 2026)
Tax Bill	$1,015 (2025)
Deeds & Mortgages	Jul 2026 Sale Dec 2022 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`66-01-01-1-001-001.140`

Property Details

APN / Parcel Number

Primary APN	`66-01-01-1-001-001.140`
Alternative APNs	`373547` `364911` `520935`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,772 sqft Heated Area
1st Floor Area	772 sqft
Upper Floors Area	1,000 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2021
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	2,727 sqft (0.063 acres)
Lot Dimensions	73.7 ft deep x 37 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	520935
Street Address	23954 COTTAGE LOOP
City	ORANGE BEACH
State	AL
Zip	36561-5227
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 24 CYPRESS VILLAGE COURTYARD COTTAGES SUBDIVISION, A PUD SLIDE 2606-C
Legal Subdivision	CYPRESS VILLAGE COURTYARD COTTAGES SUB
Legal Lot Number	24
Jurisdiction	BALDWIN AL
Township / Civil Division	FOLEY
Census Block Group	2
Census Block	2004
Census Tract	11417

Owner

Source: Baldwin County records · APN 66-01-01-1-001-001.140

Assessment roll updated April 16, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Mailing Address	1704 S LAKESHORE DR, ROCKWALL, TX 75087-5136
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Living Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 09, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Dec 28, 2022	Warranty Deed, Transfer · Conventional Mortgage US BANK NA
Mar 21, 2018	Warranty Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 09, 2026 · Amount on Record
Deed Sale	Jul 09, 2026 · Amount on Record
Prior Sale	Dec 28, 2022 · Amount on Record
Deed Document Number	20262265001
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BALDWIN AL
Recording Date	Jul 09, 2026
Property Address	23954 COTTAGE LOOP, ORANGE BEACH, AL 36561-5227
Document Number	0002265001
Instrument Date	Jun 30, 2026
Instrument	20262265001
Transaction Type	Transfer
Record Updated	Jul 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$45,450.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BALDWIN AL
Recording Date	Dec 28, 2022
Property Address	23954 COTTAGE LOOP, ORANGE BEACH, AL 36561-5227
Document Number	0002040495
Map Reference	SL 2606C&D
Instrument Date	Dec 23, 2022
Instrument	2040495
Transaction Type	Transfer
Record Updated	Jan 09, 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
Address	74908 GULF STREAM, ORANGE BEACH, AL 36561

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	13954 1 OTTGE LOOP, ORANGE BEACH, AL 36561

Mortgage

Document Number	0002040496
Date	Dec 28, 2022
Instrument	2040496

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jan 01, 2043

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BALDWIN AL
Recording Date	Mar 21, 2018
Property Address	23954 COTTAGE LOOP, ORANGE BEACH, AL 36561-5227
Document Number	0001685965
Instrument Date	Mar 15, 2018
Instrument	1685965
Transaction Type	Transfer
Record Updated	May 05, 2018
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount Recorded
Tax	$985.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	25366 PROFIT DR DAPHNE AL 365265126, DAPHNE, AL 36526-5126
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Baldwin County records · Assessment roll updated April 16, 2026 · Last verified July 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	$1,015.00 (-5.58%)	$41,180 (+15.93%) Land $7,820 Building $33,360	$411,600 (+15.91%) Land $78,100 Building $333,500
2023	$1,075.00 (+20.38%) Homeowner's exemption	$35,520 (+19.03%)	$355,100 (+19.08%) Land $64,800 Building $290,300
2022	$893.00 (+15.82%) Homeowner's exemption	$29,840	$298,200 Land $66,300 Building $231,900
2021	$771.00

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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