27978 Oakachoy Loop, Daphne, AL 36526 Property Records

Baldwin County property record for 27978 Oakachoy Loop, Daphne, AL 36526

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,369 sqft · built 2007
Lot Size	0.32 acres (14,126 sqft)
Owner	2 Individual Names on Record
Last Sale	$495,000 (Aug 2026)
Tax Bill	$4,369 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Feb 2026 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`43-02-10-0-000-007.233`

Property Details

APN / Parcel Number

Primary APN	`43-02-10-0-000-007.233`
Alternative APNs	`271820` `319404` `528419`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,369 sqft Heated Area
1st Floor Area	1,666 sqft
Upper Floors Area	703 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	14,126 sqft (0.32 acres)
Lot Dimensions	198 ft deep x 71.2 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	528419
Street Address	27978 OAKACHOY LOOP
City	DAPHNE
State	AL
Zip	36526-6344
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 5 SEHOY SUB PHASE FIVE SLIDE 2219-C
Legal Subdivision	SEHOY SUB PHASE FIVE
Legal Phase	5
Legal Lot Number	5
Jurisdiction	BALDWIN AL
Township / Civil Division	DAPHNE
Census Block Group	2
Census Block	2001
Census Tract	10710

Owner

Source: Baldwin County records, as of September 23, 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 Record
Mailing Address	27978 OAKACHOY LOOP, DAPHNE, AL 36526-6344
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2026	Warranty Deed, Transfer · Conventional Mortgage NEW HORIZONS CREDIT UNION INC
Feb 26, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
May 17, 2023	Warranty Deed, Transfer · Conventional Mortgage FIRSTBANK
Oct 4, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SUN WEST MORTGAGE COMPANY INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 26, 2026 · Amount on Record
Deed Sale	Aug 26, 2026 · Amount on Record
Prior Sale	May 17, 2023 · Amount on Record
Deed Document Number	20262274433
Prior Transfer Date	May 13, 2014
Prior Transfer Doc	0001458009
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BALDWIN AL
Recording Date	Aug 26, 2026
Property Address	27978 OAKACHOY LOOP, DAPHNE, AL 36526-6344
Document Number	0002274433
Instrument Date	Aug 24, 2026
Instrument	20262274433
Transaction Type	Transfer
Record Updated	Sep 23, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$49,995.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	27978 OAKACHOY LOOP, DAPHNE, AL 36526-6344

Mortgage

Document Number	0002274434,
Date	Aug 26, 2026
Instrument	20262274434

Lender

Name	NEW HORIZONS CREDIT UNION INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 23, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALDWIN AL
Property Address	27978 OAKACHOY LOOP, DAPHNE, AL 36526-6344
Transaction Type	Mortgage
Record Updated	Mar 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	27978 OAKACHOY LOOP, DAPHNE, AL 36526-6344

Mortgage

Document Number	0002238258
Date	Feb 26, 2026
Instrument	2238258

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	157 Months
Due	Mar 1, 2039

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BALDWIN AL
Recording Date	May 17, 2023
Property Address	27978 OAKACHOY LOOP, DAPHNE, AL 36526-6344
Document Number	0002064032
Map Reference	SL 2219-C
Instrument Date	May 15, 2023
Instrument	2064032
Transaction Type	Transfer
Record Updated	May 31, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	27978 OAKACHOY LOOP, DAPHNE, AL 36526-6344

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16952 FERRY RD, FAIRHOPE, AL 36532-6685

Mortgage

Document Number	0002064033
Date	May 17, 2023
Instrument	2064033

Lender

Name	FIRSTBANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALDWIN AL
Property Address	27978 OAKACHOY LOOP, DAPHNE, AL 36526-6344
Transaction Type	Mortgage
Record Updated	Oct 20, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	27978 OAKACHOY LOOP, DAPHNE, AL 36526-6344

Mortgage

Document Number	0002026983
Date	Oct 4, 2022
Instrument	2026983

Lender

Name	SUN WEST MORTGAGE COMPANY INC
Type	Mortgage Company
Address	BUENA PARK, CA 90620

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	350 Months
Due	Dec 1, 2051

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
2025	$4,369.00 (+139.66%)	$94,980 (+133.83%) Land $14,560 Building $80,420	$474,900 (+16.94%) Land $72,800 Building $402,100
2023	$1,823.00 (+24.69%) Homeowner's exemption	$40,620 (+15.86%)	$406,100 (+15.86%) Land $48,000 Building $358,100
2022	$1,462.00 (+13.07%) Homeowner's exemption	$35,060	$350,500 Land $41,000 Building $309,500
2021	$1,293.00

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 42% of the US · above 43% of Alabama
Wildfire Likelihood	0.07% 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	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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