31275 River Rd, Orange Beach, AL 36561 Property Records

Baldwin County property record for 31275 River Rd, Orange Beach, AL 36561

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,926 sqft · built 2019
Lot Size	0.347 acres (15,120 sqft)
Owner	Individual Name on File
Last Sale	$339,000 (May 2017)
Tax Bill	$1,375 (2026)
Deeds & Mortgages	Jul 2019 Line of Credit Dec 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`64-03-05-0-000-001.254`

Property Details

APN / Parcel Number

Primary APN	`64-03-05-0-000-001.254`
Alternative APNs	`202260` `343102`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,926 sqft Heated Area
1st Floor Area	1,926 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Stucco
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	15,120 sqft (0.347 acres)
Lot Dimensions	180 ft deep x 84 ft wide
Pool Area	200 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	343102
Street Address	31275 RIVER RD
City	ORANGE BEACH
State	AL
Zip	36561-3775
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	84' X 180' LOT 130 PHASE TWO ONO - NORTH SUB SLIDES 1572-B,1572-C & 1572-D SEC 5-T9S-R6E (WD-SURVIVORSHIP)
Legal Subdivision	ONO NORTH PHASE TWO
Legal Phase	2
Legal Block	PH 2
Legal Lot Number	130
Jurisdiction	BALDWIN AL
Township / Civil Division	FOLEY
Census Block Group	1
Census Block	1017
Census Tract	11415

Owner

31275 River Rd is owned and occupied by an individual who bought it in May 2017.

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

Owner of Record	Individual Name on File
Mailing Address	31275 RIVER RD, ORANGE BEACH, AL 36561-3775
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
Jul 16, 2019	Deed of Trust, Mortgage · Line of Credit PNC BK
Dec 5, 2018	Deed of Trust, Mortgage · Line of Credit PNC BK
May 9, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 9, 2017 · Amount on File
Deed Sale	May 9, 2017 · Amount on File
Prior Sale	May 20, 2014 · Amount on File
Deed Document Number	20171632207
Prior Transfer Date	Nov 30, 2007
Prior Transfer Doc	0001091162
Record Updated	Oct 29, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALDWIN AL
Property Address	31275 RIVER RD, ORANGE BEACH, AL 36561-3775
Document Number	0001775026
Instrument Date	Jul 16, 2019
Transaction Type	Mortgage
Record Updated	Aug 9, 2019
Title Company	SOUTHWEST FINANCIAL, SWF

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	31275 RIVER RD ORANGE BEACH AL 365613775, ORANGE BEACH, AL 36561-3775

Mortgage

Document Number	0001775026
Date	Jul 31, 2019
Instrument	1775026

Lender

Name	PNC BK
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Jul 30, 2059

Interest

Rate Type	Adjustable Rate

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALDWIN AL
Property Address	31275 RIVER RD, ORANGE BEACH, AL 36561-3775
Document Number	0001736214
Instrument Date	Dec 5, 2018
Transaction Type	Mortgage
Record Updated	Jan 9, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31275 RIVER RD ORANGE BEACH AL 365613775, ORANGE BEACH, AL 36561-3775

Mortgage

Document Number	0001736214
Date	Dec 27, 2018
Instrument	1736214

Lender

Name	PNC BK
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Dec 26, 2058

Interest

Rate Type	Adjustable Rate

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BALDWIN AL
Recording Date	May 9, 2017
Property Address	31275 RIVER RD, ORANGE BEACH, AL 36561-3775
Document Number	0001632207
Instrument Date	May 4, 2017
Instrument	1632207
Transaction Type	Transfer
Record Updated	May 18, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$339.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	2302 CUMBERLAND PL SW DECATUR AL 356032615, DECATUR, AL 35603-2615

Tax Assessment & Valuation

The 2026 property tax bill for 31275 River Rd was $1,375 with exemptions applied, up 5% from the year before.

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
2026	$1,375.00 (+4.96%) Homeowner's exemption Senior Citizen's exemption
2025	$1,310.00	$61,840 Land $11,700 Building $50,140	$648,200 Land $122,600 Building $525,600
2023	$1,222.00 (-10.61%) Homeowner's exemption	$57,740 (+14.47%)	$577,300 (+14.48%) Land $130,000 Building $447,300
2022	$1,367.00 (+24.05%) Homeowner's exemption	$50,440	$504,300 Land $94,800 Building $409,500
2021	$1,102.00

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

FEMA maps place 31275 River Rd in Zone X, an area of minimal 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 minimal risk
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 31275 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 151 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
C Spire Wireless Fiber	8,000 / 8,000
Mediacom Xtream Cable	1,000 / 50

May also be available: AT&T, Verizon.

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