27904 Oakachoy Loop, Daphne, AL 36526 Property Records

Baldwin County property record for 27904 Oakachoy Loop, Daphne, AL 36526

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 2,998 sqft · built 2021
Lot Size	0.26 acres (11,293 sqft)
Owner	Individual Name on Record
Last Sale	$339,000 (Sep 2020)
Tax Bill	$2,727 (2026)
Deeds & Mortgages	Sep 2020 Sale & Mortgage Dec 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`43-02-10-0-000-007.237`

Property Details

APN / Parcel Number

Primary APN	`43-02-10-0-000-007.237`
Alternative APNs	`271824` `370751`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,998 sqft Heated Area
1st Floor Area	2,494 sqft
Upper Floors Area	504 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	11,293 sqft (0.26 acres)
Lot Dimensions	145 ft deep x 77.4 ft wide
Pool Area	480 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	370751
Street Address	27904 OAKACHOY LOOP
City	DAPHNE
State	AL
Zip	36526-6344
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	77.4' X 145.9' IRR LOT 9 SEHOY SUB PHASE FIVE SLIDE 2219-C IN THE CITY OF DAPHNE SEC 10-T5S-R2E (WD/SURVIVORSHIP)
Legal Subdivision	SEHOY SUB PHASE FIVE
Legal Phase	5
Legal Lot Number	9
Jurisdiction	BALDWIN AL
Township / Civil Division	DAPHNE
Census Block Group	2
Census Block	2001
Census Tract	10710

Owner

Source: Baldwin County records, as of October 20, 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 Record
Mailing Address	27904 OAKACHOY LOOP, DAPHNE, AL 36526-6344
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Date	Document
Sep 6, 2020	Warranty Deed, Transfer · Conventional with PMI BAY MTG
Dec 12, 2019	Deed of Trust, Mortgage · Line of Credit PNC BK
May 1, 2017	Deed of Trust, Mortgage · Line of Credit PNC BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 8, 2020 · Amount on Record
Deed Sale	Sep 8, 2020 · Amount on Record
Prior Sale	Jun 2, 2010 · Amount on Record
Deed Document Number	20201856098
Prior Transfer Date	Jun 5, 2007
Prior Transfer Doc	0001056697
Record Updated	Oct 29, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BALDWIN AL
Recording Date	Sep 6, 2020
Property Address	27904 OAKACHOY LOOP, DAPHNE, AL 36526-6344
Document Number	0001856098
Instrument Date	Aug 28, 2020
Instrument	1856098
Transaction Type	Transfer
Record Updated	Sep 17, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$339.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	27904 OAKACHOY LOOP DAPHNE AL 365266344, DAPHNE, AL 36526-6344

Mortgage

Document Number	1856099
Date	Sep 6, 2020
Instrument	1856099

Lender

Name	BAY MTG
Type	Mortgage Company
Address	FAIRHOPE, AL 36532

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 5, 2050

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALDWIN AL
Property Address	27904 OAKACHOY LOOP, DAPHNE, AL 36526-6344
Document Number	0001805293
Instrument Date	Dec 12, 2019
Transaction Type	Mortgage
Record Updated	Jan 27, 2020
Title Company	SOUTHWEST FINANCIAL, SWF

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	27904 OAKACHOY LOOP DAPHNE AL 365266344, DAPHNE, AL 36526-6344

Mortgage

Document Number	0001805293
Date	Jan 13, 2020
Instrument	1805293

Lender

Name	PNC BK
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jan 12, 2040

Interest

Rate Type	Adjustable Rate

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALDWIN AL
Property Address	27904 OAKACHOY LOOP, DAPHNE, AL 36526-6344
Document Number	0001633142
Instrument Date	May 1, 2017
Transaction Type	Mortgage
Record Updated	May 24, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	27904 OAKACHOY LOOP DAPHNE AL 365266344, DAPHNE, AL 36526-6344

Mortgage

Document Number	0001633142
Date	May 15, 2017
Instrument	1633142

Lender

Name	PNC BK
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 14, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Baldwin County assessment roll, as of April 16, 2026

Property Jurisdictions

Type	Name
State	Alabama
County	Baldwin County
Municipality	Daphne City
Unified School District	Baldwin County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,727.00 (+3.26%) Homeowner's exemption
2025	$2,641.00 (+13.64%)	$58,400 (+13.4%) Land $7,280 Building $51,120	$584,000 (+13.4%) Land $72,800 Building $511,200
2023	$2,324.00 (+24.61%) Homeowner's exemption	$51,500 (+15.89%)	$515,000 (+15.94%) Land $60,000 Building $455,000
2022	$1,865.00 (+45.7%) Homeowner's exemption	$44,440	$444,200 Land $50,900 Building $393,300
2021	$1,280.00

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

Source: FEMA National Flood Hazard Layer, effective September 27, 2020 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 38 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	38 in force

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

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

Wildfire Risk	Moderate above 61% of the US · above 78% of Alabama
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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	CITY OF DAPHNE, UTILITIES BOARD OF THE serves 33,372 people · EPA ID AL0000029
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	5 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 247 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: C Spire Wireless.

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