23996 Cottage Loop, Orange Beach, AL 36561 Property Records

Baldwin County property record for 23996 Cottage Loop, Orange Beach, AL 36561

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,856 sqft · built 2018
Lot Size	0.071 acres (3,093 sqft)
Owner	2 Individual Names on File
Last Sale	$405,000 (Jun 2025)
Tax Bill	$1,300 (2026)
Deeds & Mortgages	Aug 2020 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`66-01-01-1-001-001.161`

Property Details

APN / Parcel Number

Primary APN	`66-01-01-1-001-001.161`
Alternative APNs	`373568` `372202` `547735`

Interior

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

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Fiber Cement Siding
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	3,093 sqft (0.071 acres)
Lot Dimensions	79.3 ft deep x 39 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	547735
Street Address	23996 COTTAGE LOOP
City	ORANGE BEACH
State	AL
Zip	36561-5227
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 45 CYPRESS VILLAGE COURTYARD COTTAGES SUBDIVISION, A PUD SLIDE 2606-C
Legal Subdivision	CYPRESS VILLAGE COURTYARD COTTAGES SUB
Legal Lot Number	45
Jurisdiction	BALDWIN AL
Township / Civil Division	FOLEY
Census Block Group	2
Census Block	2004
Census Tract	11417

Owner

23996 Cottage Loop is owned and occupied by two individuals who bought it in June 2025.

Source: Baldwin County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	23994 COTTAGE LOOP, ORANGE BEACH, AL 36561-5227
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 9, 2025 · Amount on File
Deed Sale	Jun 9, 2025 · Amount on File
Prior Sale	Jun 25, 2024 · Amount on File
Deed Document Number	20252192418
Prior Transfer Date	May 16, 2024
Prior Transfer Doc	0002131929
Record Updated	Oct 29, 2026

August 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	BALDWIN AL
Recording Date	Aug 27, 2020
Property Address	23996 COTTAGE LOOP, ORANGE BEACH, AL 36561-5227
Document Number	0001853672
Map Reference	SL 2606-C&D
Instrument Date	Aug 27, 2020
Instrument	1853672
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 22, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	25366 PROFIT DR, 25366, DAPHNE, AL 36526-5126

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	23996 COTTAGE LOOP, ORANGE BEACH, AL 36561-5227

Mortgage

Document Number	0001853673
Date	Aug 27, 2020
Instrument	1853673

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 23996 Cottage Loop was $1,300 with a homeowner's exemption, down 0.3% from the year before.

Source: Baldwin County assessment roll, as of April 16, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,300.00 (-0.31%) Homeowner's exemption
2025	$1,304.00	$42,680 Land $7,820 Building $34,860	$426,600 Land $78,100 Building $348,500
2023	$1,117.00 (+20.5%) Homeowner's exemption	$36,820 (+19.24%)	$368,100 (+19.28%) Land $64,800 Building $303,300
2022	$927.00 (-47.27%) Homeowner's exemption	$30,880	$308,600 Land $66,300 Building $242,300
2021	$1,758.00

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.

Flood

FEMA maps place 23996 Cottage Loop in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 27, 2020 · OpenFEMA NFIP redacted claims and policies, as of September 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 File 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	Hurricane Sally, Sep 2020 · 134 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Apr 2014 · 6 claims Hurricane Ivan, Sep 2004 · 5 claims

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.

Wildfire

Wildfire risk around 23996 Cottage Loop is moderate, ranking above 50% of the US, with a 0.09% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

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 cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ORANGE BEACH WATER SEWER AND F.P.A. serves 17,796 people · EPA ID AL0000053
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

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, 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 207 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
C Spire Wireless Fiber	8,000 / 8,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20