Baldwin County property record for 309 Cumberland Rd, Fairhope, AL 36532
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3.5 ba · 4,784 sqft · built 2015 |
| Lot Size | 0.501 acres (21,830 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $865,000 (Sep 2023) |
| Tax Bill | $2,653 (2026) |
| Deeds & Mortgages | Sep 2023 Transfer Oct 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 43-08-33-0-000-002.084 |
| Primary APN | 43-08-33-0-000-002.084 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 4,784 sqft Heated Area |
| 1st Floor Area | 2,846 sqft |
| Upper Floors Area | 1,938 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 21,830 sqft (0.501 acres) |
| Lot Dimensions | 189 ft deep x 115 ft wide |
| Pool Area | 576 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 535320 |
|---|---|
| Street Address | 309 CUMBERLAND RD |
| City | FAIRHOPE |
| State | AL |
| Zip | 36532-3442 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 75 SANDY FORD SUB PHASE TWO SLIDE 2113-F IN THE CITY OF FAIRHOPE SEC 33-T5S-R2E |
| Legal Subdivision | SANDY FORD SUB PHASE TWO |
| Legal Phase | 2 |
| Legal Lot Number | 75 |
| Jurisdiction | BALDWIN AL |
| Township / Civil Division | DAPHNE |
| Census Block Group | 1 |
| Census Block | 1074 |
| Census Tract | 10709 |
309 Cumberland Rd is owner-occupied and held in a trust since September 2023.
Source: Baldwin County records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 309 CUMBERLAND RD, FAIRHOPE, AL 36532-3442 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| Sep 19, 2023 | Intrafamily Transfer, Transfer |
| Oct 7, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CEDAR RAPIDS STATE BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 19, 2023 · Amount on File |
| Deed Sale | Sep 19, 2023 · Amount on File |
| Prior Sale | Oct 5, 2005 |
| Deed Document Number | 20232086702 |
| Prior Transfer Date | Sep 18, 2023 |
| Prior Transfer Doc | 0002086702 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BALDWIN AL |
| Recording Date | Sep 19, 2023 |
| Property Address | 309 CUMBERLAND RD, FAIRHOPE, AL 36532-3442 |
| Document Number | 0002086702 |
| Map Reference | SL 2113-F |
| Instrument Date | Sep 18, 2023 |
| Instrument | 2086702 |
| Transaction Type | Transfer |
| Record Updated | Oct 2, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 309 CUMBERLAND RD, FAIRHOPE, AL 36532-3442 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BALDWIN AL |
| Property Address | 309 CUMBERLAND RD, FAIRHOPE, AL 36532-3442 |
| Transaction Type | Mortgage |
| Record Updated | Oct 20, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0001862146 |
|---|---|
| Date | Oct 7, 2020 |
| Instrument | 1862146 |
| Name | CEDAR RAPIDS STATE BANK |
|---|---|
| Type | Bank |
| Address | CEDAR RAPIDS, NE 68627 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 288 Months |
| Due | Oct 1, 2044 |
The 2026 property tax bill for 309 Cumberland Rd was $2,653 with exemptions applied, up 0.3% from the year before.
Source: Baldwin County assessment roll, as of April 16, 2026
| Type | Name |
|---|---|
| State | Alabama |
| County | Baldwin County |
| Municipality | Fairhope City |
| Unified School District | Baldwin County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,653.00 (+0.34%) Homeowner's exemption Senior Citizen's exemption | ||
| 2025 | $2,644.00 | $67,420 Land $10,500 Building $56,920 | $1,010,800 Land $143,900 Building $866,900 |
| 2023 | $2,644.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed | $67,420 (-9.14%) | $865,000 (+16.58%) Land $98,700 Building $766,300 |
| 2022 | $2,644.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed | $74,200 | $742,000 Land $109,200 Building $632,800 |
| 2021 | $2,644.00 |
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.
FEMA maps place 309 Cumberland Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2020.
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 File median of 37 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 37 in force |
| Nearby Flood Claims | 3 (2020) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Oct 2020 · rainfall accumulation |
| Claims by Event |
|
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 risk around 309 Cumberland Rd is moderate, ranking above 56% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 56% of the US · above 71% of Alabama |
|---|---|
| Wildfire Likelihood | 0.1% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF FAIRHOPE serves 59,850 people · EPA ID AL0000035 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2025 |
| Lead | 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 4 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.
Source: FCC Broadband Data Collection, based on 147 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 | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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