Baldwin County property record for 23984 Cottage Loop, Orange Beach, AL 36561
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,856 sqft · built 2018 |
| Lot Size | 0.082 acres (3,561 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $420,000 (May 2022) |
| Tax Bill | $1,365 (2025) |
| Deeds & Mortgages | May 2022 Sale & Mortgage Dec 2018 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 66-01-01-1-001-001.155 |
| Primary APN | 66-01-01-1-001-001.155 |
|---|---|
| Alternative APNs |
|
| 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 | 1,105 sqft |
| Upper Floors Area | 751 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Fiber Cement Siding |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 3,561 sqft (0.082 acres) |
| Lot Dimensions | 91.3 ft deep x 39 ft wide |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 507921 |
|---|---|
| Street Address | 23984 COTTAGE LOOP |
| City | ORANGE BEACH |
| State | AL |
| Zip | 36561-5227 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 39' X 91.3' LOT 39 CYPRESS VILLAGE COURTYARD COTTAGES SUBDIVISION, A PUD SLIDE 2606-C IN THE CITY OF ORANGE BEACH SEC 1-T9S-R |
| Legal Subdivision | CYPRESS VILLAGE COURTYARD COTTAGES SUB |
| Legal Lot Number | 39 |
| Jurisdiction | BALDWIN AL |
| Township / Civil Division | FOLEY |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 11417 |
Source: Baldwin County records · APN 66-01-01-1-001-001.155
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 | 311 AUSABLE RIVER TRL, ROSCOMMON, MI 48653-9652 |
| Owner Type | Individual |
| Vesting | Et Al (and Others) |
| Date | Document |
|---|---|
| May 11, 2022 | Warranty Deed, Transfer · ARM SOUTH STATE BANK NA |
| Dec 18, 2018 | Warranty Deed, Subdivision Related Transfer · ARM PARAGON BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 11, 2022 · Amount on Record |
| Deed Sale | May 11, 2022 · Amount on Record |
| Prior Sale | Apr 18, 2022 · Amount on Record |
| Deed Document Number | 20221998242 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BALDWIN AL |
| Recording Date | May 11, 2022 |
| Property Address | 23984 COTTAGE LOOP, ORANGE BEACH, AL 36561-5227 |
| Document Number | 0001998242 |
| Map Reference | SL 2606-C&D |
| Instrument Date | May 09, 2022 |
| Instrument | 1998242 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2023 |
| 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 |
|---|
| Name | Verified Name |
|---|---|
| Address | 23984 COTTAGE LOOP, ORANGE BEACH, AL 36561-5227 |
| Document Number | 0001998243 |
|---|---|
| Date | May 11, 2022 |
| Instrument | 1998243 |
| Name | SOUTH STATE BANK NA |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.25% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jun 01, 2032 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 9.25% |
| Index | 12-Month MTA |
| Max Rate | 9.25% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BALDWIN AL |
| Recording Date | Dec 18, 2018 |
| Property Address | 23984 COTTAGE LOOP, ORANGE BEACH, AL 36561-5227 |
| Document Number | 0001735083 |
| Map Reference | SL2606-C&D |
| Instrument Date | Dec 17, 2018 |
| Instrument | 1735083 |
| 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 | $55.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 25366 PROFIT DR, 25366, DAPHNE, AL 36526-5126 |
| Name | Verified Name |
|---|---|
| Address | 2211 GREEN CHASE DRIVE, DAPHNE, AL 36526 |
| Document Number | 0001735084 |
|---|---|
| Date | Dec 18, 2018 |
| Instrument | 1735084 |
| Name | PARAGON BANK |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.5% |
| Type Change Date | Jan 01, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 4% |
| Max Rate At Change | 7.5% |
| Index | 1-Year LIBOR |
| Max Rate | 10.5% |
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 | $1,365.00 (+15.87%) | $42,680 (+15.92%) Land $7,820 Building $34,860 | $426,600 (+15.89%) Land $78,100 Building $348,500 |
| 2023 | $1,178.00 (+19.23%) | $36,820 (+19.24%) | $368,100 (+19.28%) Land $64,800 Building $303,300 |
| 2022 | $988.00 (+14.62%) | $30,880 | $308,600 Land $66,300 Building $242,300 |
| 2021 | $862.00 |
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
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 9.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 261 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 628 units insured incl. 367 condo units |
| Nearby Flood Claims | 151 (2004–2020) |
| Claims Outside the SFHA | 5 of 151 |
| Most Recent Claim | Sep 2020 · tidal / storm surge |
| Claims by Event |
|
| Wildfire Risk | Moderate above 50% of the US · above 60% of Alabama |
|---|---|
| Wildfire Likelihood | 0.09% annual chance |
| 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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 207 locations within half a mile · Last verified October 2026
| Provider | Max Down / Up (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 |
Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026
| Water System | ORANGE BEACH WATER SEWER AND F.P.A. serves 17,796 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 29 last 3 years |
Results are for the whole water system as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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