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23986 Cottage Loop, Orange Beach, AL 36561 Property Records

Baldwin County property record for 23986 Cottage Loop, Orange Beach, AL 36561 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 1.5 ba · 1,856 sqft · built 2018
Lot Size0.097 acres (4,232 sqft)
OwnerIndividual Name on File
Last Sale$400,000 (Apr 2023)
Tax Bill$1,362 (2025)
Deeds & MortgagesApr 2023 Sale & Mortgage
Jun 2018 Sale
Flood ZoneZone AE (high risk)
APN66-01-01-1-001-001.156

Property Details

APN / Parcel Number

Primary APN66-01-01-1-001-001.156
Alternative APNs
  • 373563
  • 344037
  • 525805

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area1,856 sqft Heated Area
1st Floor Area1,105 sqft
Upper Floors Area751 sqft
FlooringHardwood
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2018
Effective Year BuiltEffective 2021
Exterior MaterialFiber Cement Siding
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area4,232 sqft (0.097 acres)
Lot Dimensions108 ft deep x 39 ft wide

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Account Number525805
Street Address23986 COTTAGE LOOP
CityORANGE BEACH
StateAL
Zip36561-5227
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 40 CYPRESS VILLAGE COURTYARD COTTAGES SUBDIVISION, A PUD SLIDE 2606-C
Legal SubdivisionCYPRESS VILLAGE COURTYARD COTTAGES SUB
Legal Lot Number40
JurisdictionBALDWIN AL
Township / Civil DivisionFOLEY
Census Block Group2
Census Block2004
Census Tract11417

Owner

Source: Baldwin County records · APN 66-01-01-1-001-001.156

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 RecordIndividual Name on File
Mailing AddressPO BOX 9170, MANDEVILLE, LA 70470-9170
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Apr 13, 2023Warranty Deed, Transfer · Conventional Mortgage
ASSURANCE FINANCIAL GROUP LLC
Jun 27, 2018Warranty Deed, Subdivision Related Transfer
OTHER

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleApr 13, 2023 · Amount on Record
Deed SaleApr 13, 2023 · Amount on Record
Prior SaleJun 27, 2018 · Amount on Record
Deed Document Number20232057591
Record UpdatedJun 08, 2026

April 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBALDWIN AL
Recording DateApr 13, 2023
Property Address23986 COTTAGE LOOP, ORANGE BEACH, AL 36561-5227
Document Number0002057591
Map ReferenceSL 2606-C&D
Instrument DateApr 11, 2023
Instrument2057591
Transaction TypeTransfer
Record UpdatedApr 26, 2023
Title CompanyAUSTIN TITLE, ATC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address9560 ABEL MARLE CT, DAPHNE, AL 36526-8064

Transferred To (Grantee/Buyer)

NameVerified Name
AddressPO BOX 9170, MANDEVILLE, LA 70470-9170

Mortgage

Document Number0002057592
DateApr 13, 2023
Instrument2057592
Lender
NameASSURANCE FINANCIAL GROUP LLC
TypeLending Institution
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMay 01, 2053

June 2018: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionBALDWIN AL
Recording DateJun 27, 2018
Property Address23986 COTTAGE LOOP, ORANGE BEACH, AL 36561-5227
Document Number0001704619
Instrument DateJun 27, 2018
Instrument1704619
Transaction TypeSubdivision Related Transfer
Record UpdatedApr 16, 2020
Title CompanyOTHER

Transaction

AmountAmount Recorded
Tax$275.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address23986 COTTAGE LOOP ORANGE BEACH AL 36561, ORANGE BEACH, AL 36561

Tax Assessment & Valuation

Source: Baldwin County records · Assessment roll updated April 16, 2026 · Last verified April 2026

Property Jurisdictions

TypeName
StateAlabama
CountyBaldwin County
MunicipalityOrange Beach City
Unified School DistrictOrange 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.

YearTax BillAssessed ValueAssessed Market Value
2025$1,362.00$42,580 (+15.9%) Land $7,820 Building $34,760$425,700 (+15.87%) Land $78,100 Building $347,600
2023Homeowner's exemption Senior Citizen's exemption Additional exemption filed$36,740 (+19.21%)$367,400 (+19.29%) Land $64,800 Building $302,600
2022Homeowner's exemption Senior Citizen's exemption Additional exemption filed$30,820$308,000 Land $66,300 Building $241,700

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 ZoneZone AE
Special Flood Hazard AreaYes
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation9.0 ft
Flood Insurance RequirementRequired (federally backed mortgages)
Flood Insurance CostPremium on Record
median of 261 individual NFIP policies nearby
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies628 units insured
367 under condo master policies
Nearby Flood Claims151 (2004–2020)
Claims Outside the SFHA5 of 151
Most Recent ClaimSep 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 RiskModerate
above 50% of the US · above 60% of Alabama
Wildfire LikelihoodAbout 1 in 1,075 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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

ProviderTechnologyDownload / Upload (Mbps)
TelapexFiber8,000 / 8,000
Mediacom CommunicationsCable1,000 / 50
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20
AT&TFixed Wireless100 / 20
StarlinkSatellite (low-earth orbit)280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

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