31152 River Rd, Orange Beach, AL 36561 Property Records

Baldwin County property record for 31152 River Rd, Orange Beach, AL 36561

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 3,836 sqft · built 2017
Lot Size	0.742 acres (32,300 sqft)
Owner	Individual Name on File
Last Sale	$1,325,000 (May 2017)
Deeds & Mortgages	Oct 2020 Mortgage Sep 2019 Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`64-03-05-0-000-005`

Property Details

APN / Parcel Number

Primary APN	`64-03-05-0-000-005`
Alternative APNs	`338142` `10520`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,836 sqft Heated Area
1st Floor Area	3,079 sqft
Upper Floors Area	1,514 sqft
Flooring	Stone
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2018
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	32,300 sqft (0.742 acres)
Lot Dimensions	323 ft deep x 100 ft wide
View / Lot	Waterfront / Beach

Exterior Amenities

Pool Area	192 sqft
Deck Area	250 sqft
Patio Area	250 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ
Boat House	350 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	338142
Street Address	31152 RIVER RD
City	ORANGE BEACH
State	AL
Zip	36561-5768
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	100' X 323' LOT 120 ONO ISLAND SUBD UNIT 1 PB7 PG52-54 SEC 5-T9S-R6E (WD/SURVIVORSHIP)
Legal Subdivision	ONO ISLAND,
Legal Block	U-1
Legal Lot Number	120
Legal Unit	1
Jurisdiction	BALDWIN AL
Township / Civil Division	FOLEY
Census Block Group	1
Census Block	1012
Census Tract	11415

Owner

31152 River Rd is owned and occupied by an individual who bought it in May 2017.

Source: Baldwin County records, as of April 16, 2026

Owner of Record	Individual Name on File
Mailing Address	31152 RIVER RD, ORANGE BEACH, AL 36561-5768
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

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

Date	Document
Oct 20, 2020	Deed of Trust, Mortgage · VA Mortgage TRIDENT HOME LOANS
Sep 21, 2019	Deed of Trust, Mortgage · VA Mortgage TRIDENT HM LNS
Sep 21, 2019	Deed of Trust, Mortgage · VA Mortgage TRIDENT HM LNS
Nov 17, 2017	Deed of Trust, Mortgage · VA Mortgage PRIVATE INDIVIDUAL
May 2, 2017	Warranty Deed, Transfer · VA Mortgage TRIDENT HM LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 2, 2017 · Amount on File
Deed Sale	May 2, 2017 · Amount on File
Deed Document Number	20171630766
Record Updated	Jun 8, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALDWIN AL
Property Address	31152 RIVER RD, ORANGE BEACH, AL 36561-5768
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001864980
Date	Oct 20, 2020
Instrument	1864980

Lender

Name	TRIDENT HOME LOANS
Type	Mortgage Company
Address	PENSACOLA, FL 32501

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2050

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALDWIN AL
Property Address	31152 RIVER RD, ORANGE BEACH, AL 36561-5768
Document Number	0001792343
Instrument Date	Sep 21, 2019
Transaction Type	Mortgage
Record Updated	Nov 13, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	31152 RIVER RD ORANGE BEACH AL 365615768, ORANGE BEACH, AL 36561-5768

Mortgage

Document Number	0001792343
Date	Oct 30, 2019
Instrument	1792343

Lender

Name	TRIDENT HM LNS
Type	Funding / Finance Company
Address	GULF BREEZE, FL 32561

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 29, 2049

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALDWIN AL
Property Address	31152 RIVER RD, ORANGE BEACH, AL 36561-5768
Document Number	0001846525
Instrument Date	Sep 21, 2019
Transaction Type	Mortgage
Record Updated	Aug 12, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	31152 RIVER RD ORANGE BEACH AL 365615768, ORANGE BEACH, AL 36561-5768

Mortgage

Document Number	0001846525
Date	Jul 30, 2020
Instrument	1846525

Lender

Name	TRIDENT HM LNS
Type	Funding / Finance Company
Address	GULF BREEZE, FL 32561

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 29, 2050

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALDWIN AL
Property Address	31152 RIVER RD, ORANGE BEACH, AL 36561-5768
Document Number	0001667807
Instrument Date	Nov 17, 2017
Transaction Type	Mortgage
Record Updated	Dec 12, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	31152 RIVER RD ORANGE BEACH AL 365615768, ORANGE BEACH, AL 36561-5768

Mortgage

Document Number	0001667807
Date	Nov 27, 2017
Instrument	1667807

Lender

Name	PRIVATE INDIVIDUAL
Type	Private Party
Address	GULF BREEZE, FL 32561

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 26, 2047

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BALDWIN AL
Recording Date	May 2, 2017
Property Address	31152 RIVER RD, ORANGE BEACH, AL 36561-5768
Document Number	0001630766
Instrument Date	Apr 26, 2017
Instrument	1630766
Transaction Type	Transfer
Record Updated	May 9, 2017
Title Company	STEWART TITLE, STEWART TITLE GUARANTY COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$325.00
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	31152 RIVER RD ORANGE BEACH AL 365615768, ORANGE BEACH, AL 36561-5768

Mortgage

Document Number	1630767
Date	May 2, 2017
Instrument	1630767

Lender

Name	TRIDENT HM LNS
Type	Funding / Finance Company
Address	913 GULF BREEZE PKWY # 23, GULF BREEZE, FL 32561-4732

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$282,920 Land $117,260 Building $165,660	$2,874,600 Land $1,191,300 Building $1,683,300
2023	Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$247,500 (+27.63%)	$2,448,300 (+26.25%) Land $1,119,100 Building $1,329,200
2022	Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$193,920	$1,939,200 Land $833,800 Building $1,105,400

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 31152 River Rd in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 840 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	5,049 units insured incl. 4,209 condo units
Nearby Flood Claims	529 (1995–2020)
Claims Outside the SFHA	30 of 529
Most Recent Claim	Nov 2020 · tidal / storm surge
Claims by Event	Hurricane Sally, Sep 2020 · 417 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Apr 2014 · 33 claims Hurricane Ivan, Sep 2004 · 55 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

The area around 31152 River Rd has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within ember reach

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 61 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
AT&T Fixed Wireless	100 / 20

May also be available: C Spire Wireless, Hotwire Communications, Mediacom Xtream.

Cell Coverage

4G LTE only, no 5G reported

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