31320 River Rd, Orange Beach, AL 36561 Property Records

Baldwin County property record for 31320 River Rd, Orange Beach, AL 36561

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,942 sqft · built 2020
Lot Size	0.788 acres (34,340 sqft)
Owner	2 Trust Names on File
Last Sale	$5,100,000 (Aug 2025)
Tax Bill	$28,938 (2026)
Deeds & Mortgages	Oct 2020 Mortgage Apr 2019 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`64-03-05-0-000-008`

Property Details

APN / Parcel Number

Primary APN	`64-03-05-0-000-008`
Alternative APNs	`328541` `6487`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,942 sqft Heated Area
1st Floor Area	3,942 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	34,340 sqft (0.788 acres)
Lot Dimensions	343 ft deep x 100 ft wide
View / Lot	Waterfront / Beach
Pool Area	230 sqft
Boat House	378 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	328541
Street Address	31320 RIVER RD
City	ORANGE BEACH
State	AL
Zip	36561-5700
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	100' X 343.4' LOT 129 UNIT 1 ONO ISLAND SUB PB 7 PG 52-54 (WD/SURVIVORSHIP)
Legal Subdivision	ONO ISLAND,
Legal Block	U-1
Legal Lot Number	129
Legal Unit	1
Jurisdiction	BALDWIN AL
Township / Civil Division	FOLEY
Census Block Group	1
Census Block	1012
Census Tract	11415

Owner

31320 River Rd is owner-occupied and held in a trust since August 2025.

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

Owner of Record	2 Trust Names on File
Mailing Address	1900 N AKARD ST, 6, DALLAS, TX 75201-2729
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK
Apr 3, 2019	Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK
Dec 11, 2017	Deed of Trust, Mortgage MARK B REED

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 25, 2025 · Amount on File
Deed Sale	Aug 25, 2025 · Amount on File
Prior Sale	Aug 22, 2018 · Amount on File
Deed Document Number	20252206519
Prior Transfer Date	Mar 27, 2019
Prior Transfer Doc	0001751970
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALDWIN AL
Property Address	31320 RIVER RD, ORANGE BEACH, AL 36561-5700
Transaction Type	Mortgage
Record Updated	Mar 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001861750
Date	Oct 6, 2020
Instrument	1861750

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	315 Months
Due	Jan 15, 2047

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BALDWIN AL
Recording Date	Apr 3, 2019
Property Address	31320 RIVER RD, ORANGE BEACH, AL 36561-5700
Document Number	0001751970
Map Reference	MB 7 PG 52-54
Instrument Date	Mar 27, 2019
Instrument	1751970
Transaction Type	Transfer
Record Updated	Mar 29, 2022

Transaction

Amount	Amount on Record
Tax	$0.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 279, ORANGE BEACH, AL 36561-0279

Mortgage

Document Number	0001751971
Date	Apr 3, 2019
Instrument	1751971

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2049

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALDWIN AL
Property Address	31320 RIVER RD, ORANGE BEACH, AL 36561-5700
Document Number	0001670330
Instrument Date	Dec 11, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

Mortgage

Document Number	0001670330
Date	Dec 13, 2017
Instrument	1670330

Lender

Name	MARK B REED

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 31320 River Rd was $28,938 with exemptions applied, up 388.2% 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	$28,938.00 (+388.24%) Homeowner's exemption Senior Citizen's exemption
2025	$5,927.00	$276,600 Land $119,140 Building $157,460	$2,765,900 Land $1,191,300 Building $1,574,600
2023	$4,749.00 (+26.3%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$221,780 (+26.15%)	$2,217,700 (+26.16%) Land $1,119,100 Building $1,098,600
2022	$3,760.00 (+18.76%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$175,800	$1,757,900 Land $833,800 Building $924,100
2021	$3,166.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 31320 River Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective August 18, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	10.0 ft
Flood Insurance Requirement	Required federally backed loans
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 31320 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

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