312 Cluster St, Foley, AL 36535 Property Records

Baldwin County property record for 312 Cluster St, Foley, AL 36535

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,548 sqft · built 2005
Lot Size	0.191 acres (8,315 sqft)
Owner	Individual Name on File
Tax Bill	$1,325 (2026)
Deeds & Mortgages	Apr 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`54-04-17-4-000-012.097`

Property Details

APN / Parcel Number

Primary APN	`54-04-17-4-000-012.097`
Alternative APNs	`242603` `237831`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,548 sqft Heated Area
1st Floor Area	1,548 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	8,315 sqft (0.191 acres)
Lot Dimensions	159 ft deep x 52 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	237831
Street Address	312 CLUSTER ST
City	FOLEY
State	AL
Zip	36535-2337
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	52' X 159.9' IRR LOT 19 UNIT 3 OAK VILLAGE SLIDE 2023-F IN THE CITY OF FOLEY SEC 17-T7S-R4E (CORR DEED) IN #568754 (WD)
Legal Subdivision	OAK VILLAGE
Legal Block	U 3
Legal Lot Number	19
Legal Unit	3
Jurisdiction	BALDWIN AL
Township / Civil Division	FOLEY
Census Block Group	3
Census Block	3004
Census Tract	11501

Owner

312 Cluster St is owned by an individual who acquired it in March 2006.

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

Owner of Record	Individual Name on File
Mailing Address	575 GROVE ST, A3, CLIFTON, NJ 07013-3173
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	Name on Deed
Last Sale	Mar 2, 2006
Deed Sale	Mar 2, 2006
Prior Sale	Oct 21, 2005
Deed Document Number	2006959075
Prior Transfer Date	Feb 23, 2006
Prior Transfer Doc	0000959075
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALDWIN AL
Property Address	312 CLUSTER ST, FOLEY, AL 36535-2337
Document Number	0000182451
Instrument Date	Apr 10, 2020
Transaction Type	Mortgage
Record Updated	May 6, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	312 CLUSTER ST FOLEY AL 365352337, FOLEY, AL 36535-2337

Mortgage

Document Number	0000182451
Date	Apr 27, 2020
Instrument	182451

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 26, 2035

Tax Assessment & Valuation

The 2026 property tax bill for 312 Cluster St was $1,325, down 1.5% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,325.00 (-1.49%)
2025	$1,345.00	$40,760 Land $4,840 Building $35,920	$203,800 Land $24,200 Building $179,600
2023	$1,336.00 (+21.12%)	$40,500 (+21.11%)	$202,500 (+21.11%) Land $25,500 Building $177,000
2022	$1,103.00 (+13.59%)	$33,440	$167,200 Land $26,100 Building $141,100
2021	$971.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 312 Cluster St in Zone X, an area of minimal flood risk, though there have been 15 flood claims nearby since 1979.

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 16 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	15 (1979–2020)
Claims Outside the SFHA	12 of 15
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Sally, Sep 2020 · 7 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Apr 2014 · 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 312 Cluster St is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 93% of the US · lower than 97.7% of Alabama
Wildfire Likelihood	0.04% 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 FOLEY, UTILITIES BOARD OF THE serves 50,919 people · EPA ID AL0000036
Water Source	Groundwater
Last State Inspection	Aug 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 422 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
C Spire Wireless Fiber	8,000 / 8,000
Brightspeed Fiber	2,000 / 2,000
Point Broadband Fiber	1,000 / 1,000