23978 Cottage Loop, Orange Beach, AL 36561 Property Records

Baldwin County property record for 23978 Cottage Loop, Orange Beach, AL 36561 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	2.5 Baths
Year Built	Built 2018
Square Footage	2,312 sqft Heated Area
Lot Size	3,404 sqft (0.078 acres)
Occupancy	Owner Occupied
Tax Bill	$1,578.00 (2025)

Owner

Source: Baldwin County records · APN 66-01-01-1-001-001.152

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	Individual Name on File
Mailing Address	23978 COTTAGE LOOP, ORANGE BEACH, AL 36561-5227
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Refreshed	Sep 20, 2026

November 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	BALDWIN AL
Recording Date	Nov 01, 2018
Property Address	23978 COTTAGE LOOP, ORANGE BEACH, AL 36561-5227
Document Number	0001727892
Instrument Date	Oct 31, 2018
Instrument	1727892
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 16, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1.00
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23978 COTTAGE LOOP ORANGE BEACH AL 36561, ORANGE BEACH, AL 36561

Mortgage

Document Number	1727893
Date	Nov 01, 2018
Instrument	1727893

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	Veterans Administration Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 31, 2048

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 and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,578.00 (+15.77%)	$49,320 (+15.72%) Land $7,820 Building $41,500	$493,000 (+15.67%) Land $78,100 Building $414,900
2023	$1,363.00 (+19.88%)	$42,620 (+19.92%)	$426,200 (+19.99%) Land $64,800 Building $361,400
2022	$1,137.00 (+14.62%)	$35,540	$355,200 Land $66,300 Building $288,900
2021	$992.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Baldwin County (01003C), updated September 27, 2020 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Moderate
500-Year Floodplain	Yes
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 100 ft

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; lenders make the official flood determination.

Property Details

APN / Parcel Number

Primary APN	`66-01-01-1-001-001.152`
Alternative APNs	`373559` `356391`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Partial Baths	1 Partial Baths
Building Area	2,312 sqft Heated Area
1st Floor	1,345 sqft 1st Floor
Upper Floors	967 sqft Upper Floors
Stories	2 Stories
Primary Flooring	Hardwood Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Fiber Cement Siding (Hardi-Board/Hardi-Plank) Exterior
Roof Construction	Gable/Hip Roof Construction
Roof Material	Asphalt Roof
Lot Area	3,404 sqft (0.078 acres)
Depth X Width	105 ft x 32.3 ft Depth x Width

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	Forced Air with Air Conditioning Heating

Location & Zoning

Account Number	356391
Street Address	23978 COTTAGE LOOP
City	ORANGE BEACH
State	AL
Zip	36561-5227
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	32.3' X 105.4' LOT 36 CYPRESS VILLAGE COURTYARD COTTAGES SUBDIVISION, A PUD SLIDE 2606-C LYING IN THE CITY OF ORANGE BEACH SE
Legal Subdivision	CYPRESS VILLAGE COURTYARD COTTAGES SUB
Legal Lot Number	36
Jurisdiction	BALDWIN AL
Minor Civil Division	FOLEY
Census Blockgroup	2
Census Block	2004
Census Tract	11417