31304 River Rd, Orange Beach, AL 36561 Property Records

Baldwin County property record for 31304 River Rd, Orange Beach, AL 36561

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,666 sqft · built 1983
Lot Size	0.833 acres (36,300 sqft)
Owner	2 Individual Names on File
Last Sale	$1,900,000 (Oct 2025)
Tax Bill	$3,675 (2026)
Deeds & Mortgages	Oct 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`64-03-05-0-000-007.004`

Property Details

APN / Parcel Number

Primary APN	`64-03-05-0-000-007.004`
Alternative APNs	`007160` `13287` `7160`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,666 sqft Heated Area
1st Floor Area	1,666 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1996
Exterior Material	Stucco
Foundation Type	Pier/Post & Beam
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	36,300 sqft (0.833 acres)
Lot Dimensions	311 ft deep x 100 ft wide
View / Lot	Waterfront / Beach
Boat Access	Boat Access
Boat House	315 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	7160
Street Address	31304 RIVER RD
City	ORANGE BEACH
State	AL
Zip	36561-5700
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	100' X 311.5' IRR ONO ISLAND SUBD UNIT 1 LOT 128MB7 PAGE 52-54 SEC 5 T9S R6E
Legal Subdivision	ONO ISLAND,
Legal Block	U-1
Legal Lot Number	128
Legal Unit	1
Jurisdiction	BALDWIN AL
Township / Civil Division	FOLEY
Census Block Group	1
Census Block	1012
Census Tract	11415

Owner

31304 River Rd is owned and occupied by two individuals who bought it in October 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	31304 RIVER RD, ORANGE BEACH, AL 36561-5700
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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	2 Names on Deed
Last Sale	Oct 10, 2025 · Amount on File
Deed Sale	Oct 10, 2025 · Amount on File
Deed Document Number	20252215671
Record Updated	Oct 29, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BALDWIN AL
Recording Date	Oct 10, 2025
Property Address	31304 RIVER RD, ORANGE BEACH, AL 36561-5700
Document Number	0002215671
Map Reference	MB 7 PG 52-54
Instrument Date	Oct 8, 2025
Instrument	2215671
Transaction Type	Transfer
Record Updated	Oct 22, 2025
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	30113 SPRING BRANCH RD W, ELBERTA, AL 36530-5759

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	31304 RIVER RD, ORANGE BEACH, AL 36561-5700

Mortgage

Document Number	0002215672
Date	Oct 10, 2025
Instrument	2215672

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2035
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.5%
Index	SOFR Average 30-Day
Max Rate	10.5%

Tax Assessment & Valuation

The 2026 property tax bill for 31304 River Rd was $3,675 with exemptions applied, up 7% 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	$3,675.00 (+7.05%) Homeowner's exemption Senior Citizen's exemption
2025	$3,433.00 (+7.01%)	$160,600 (+7%) Land $112,100 Building $48,500	$1,706,600 (+13.71%) Land $1,191,300 Building $515,300
2024	$3,208.00 (-1.75%) Homeowner's exemption	$150,100 (-1.75%) Land $101,080 Building $49,020	$1,500,900 (-1.75%) Land $1,010,800 Building $490,100
2023	$3,265.00 (+0.43%) Homeowner's exemption	$152,780 (+29.76%)	$1,527,600 (+29.74%) Land $1,119,100 Building $408,500
2022	$3,251.00 (+36.48%) Homeowner's exemption	$117,740	$1,177,400 Land $833,800 Building $343,600
2021	$2,382.00

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 31304 River Rd in Zone X, an area of minimal flood risk, within 100 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 100 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

Wildfire risk around 31304 River Rd is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 96% of the US · lower than 99% of Alabama
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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.

Cell Coverage

4G LTE only, no 5G reported

Nearby Properties on River Rd

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