31362 River Rd, Orange Beach, AL 36561 Property Records

Baldwin County property record for 31362 River Rd, Orange Beach, AL 36561

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 2,360 sqft · built 1987
Lot Size	0.831 acres (36,220 sqft)
Owner	Individual Name on File
Last Sale	$1,500,000 (May 2023)
Tax Bill	$5,626 (2026)
Deeds & Mortgages	May 2023 Sale & Mortgage Dec 2020 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`64-03-05-0-000-010`

Property Details

APN / Parcel Number

Primary APN	`64-03-05-0-000-010`
Alternative APNs	`351605` `528909` `4711`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	1 Story
Building Area	2,360 sqft Heated Area
1st Floor Area	2,195 sqft
Upper Floors Area	330 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 1987
Effective Year Built	Effective 2021
Exterior Material	Wood
Foundation Type	Pile
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	36,220 sqft (0.831 acres)
Lot Dimensions	362 ft deep x 100 ft wide
Pool Area	530 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	528909
Street Address	31362 RIVER RD
City	ORANGE BEACH
State	AL
Zip	36561-5700
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 131 UNIT 1 ONO ISLAND SUB MB7 PGS52-54
Legal Subdivision	ONO ISLAND,
Legal Block	U-1
Legal Lot Number	131
Legal Unit	1
Jurisdiction	BALDWIN AL
Township / Civil Division	FOLEY
Census Block Group	1
Census Block	1012
Census Tract	11415

Owner

31362 River Rd is owned by an individual who bought it in May 2023.

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

Owner of Record	Individual Name on File
Mailing Address	211 MONTEREY PL, VESTAVIA HILLS, AL 35216-1353
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

Date	Document
May 30, 2023	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Dec 9, 2020	Deed of Trust, Mortgage · SBA Mortgage UNITED STATES SMALL BUSINESS ADMIN
Oct 30, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 30, 2023 · Amount on File
Deed Sale	May 30, 2023 · Amount on File
Deed Document Number	20232066243
Prior Transfer Date	Oct 20, 2017
Prior Transfer Doc	0001663632
Record Updated	Oct 29, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BALDWIN AL
Recording Date	May 30, 2023
Property Address	31362 RIVER RD, ORANGE BEACH, AL 36561-5700
Document Number	0002066243
Map Reference	MB 7 PG 52-54
Instrument Date	May 26, 2023
Instrument	2066243
Transaction Type	Transfer
Record Updated	Apr 16, 2024

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1414 PRIMROSE PLPI, BIRMINGHAM, AL 35209

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	211 MONTEREY BLVD # PI, PI, JACKSONVILLE, FL 32234-1522

Mortgage

Document Number	0002066244
Date	May 30, 2023
Instrument	2066244

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALDWIN AL
Property Address	31362 RIVER RD, ORANGE BEACH, AL 36561-5700
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001876071
Date	Dec 9, 2020
Instrument	1876071

Lender

Name	UNITED STATES SMALL BUSINESS ADMIN
Type	Government Agency
Address	FORT WORTH, TX 76155

Agreement

Type	SBA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Nov 6, 2050

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BALDWIN AL
Recording Date	Oct 30, 2017
Property Address	31362 RIVER RD, ORANGE BEACH, AL 36561-5700
Document Number	0001663632
Instrument Date	Oct 20, 2017
Instrument	1663632
Transaction Type	Transfer
Record Updated	Nov 23, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1414 PRIMROSE PL BIRMINGHAM AL 352095424, BIRMINGHAM, AL 35209-5424

Tax Assessment & Valuation

The 2026 property tax bill for 31362 River Rd was $5,626, up 4.9% 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	$5,626.00 (+4.9%)
2025	$5,363.00	$191,540 Land $119,140 Building $72,400	$1,915,100 Land $1,191,300 Building $723,800
2023	$4,887.00 (+28.3%)	$174,560 (+28.3%)	$1,745,400 (+28.28%) Land $1,119,100 Building $626,300
2022	$3,809.00 (+49.72%)	$136,060	$1,360,600 Land $833,800 Building $526,800
2021	$2,544.00

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 31362 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 31362 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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