31463 River Rd, Orange Beach, AL 36561 Property Records

Baldwin County property record for 31463 River Rd, Orange Beach, AL 36561

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,019 sqft · built 2019
Lot Size	0.402 acres (17,512 sqft)
Owner	Individual Name on File
Last Sale	$599,900 (Jan 2020)
Tax Bill	$2,137 (2026)
Deeds & Mortgages	Jan 2020 Sale & Mortgage Oct 2019 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`64-03-05-0-000-001.242`

Property Details

APN / Parcel Number

Primary APN	`64-03-05-0-000-001.242`
Alternative APNs	`202248` `373986`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,019 sqft Heated Area
1st Floor Area	1,614 sqft
Upper Floors Area	1,405 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Fiber Cement Siding
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	17,512 sqft (0.402 acres)
Lot Dimensions	218 ft deep x 80 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	373986
Street Address	31463 RIVER RD
City	ORANGE BEACH
State	AL
Zip	36561-3743
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	80' X 218.9' IRR LOT 142 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	142
Jurisdiction	BALDWIN AL
Township / Civil Division	FOLEY
Census Block Group	1
Census Block	1017
Census Tract	11415

Owner

31463 River Rd is owned and occupied by an individual who bought it in January 2020.

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

Owner of Record	Individual Name on File
Mailing Address	PO BOX 294, ORANGE BEACH, AL 36561-0294
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
Jan 7, 2020	Warranty Deed, Transfer · Conventional Mortgage BBVA USA
Oct 25, 2019	Loan Modification, Mortgage · Conventional Mortgage RIVER BK&TR
Mar 4, 2019	Warranty Deed, Transfer · Line of Credit RIVER BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 7, 2020 · Amount on File
Deed Sale	Jan 7, 2020 · Amount on File
Prior Sale	Mar 4, 2019 · Amount on File
Deed Document Number	20201804497
Record Updated	Oct 29, 2026

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BALDWIN AL
Recording Date	Jan 7, 2020
Property Address	31463 RIVER RD, ORANGE BEACH, AL 36561-3743
Document Number	0001804497
Instrument Date	Jan 3, 2020
Instrument	1804497
Transaction Type	Transfer
Record Updated	Jan 23, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$599.90
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 623 MONTROSE AL 365590623, MONTROSE, AL 36559-0623

Mortgage

Document Number	1804498
Date	Jan 7, 2020
Instrument	1804498

Lender

Name	BBVA USA
Address	BIRMINGHAM, AL 35233

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 6, 2050

October 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BALDWIN AL
Property Address	31463 RIVER RD, ORANGE BEACH, AL 36561-3743
Document Number	0001792927
Instrument Date	Oct 25, 2019
Transaction Type	Mortgage
Record Updated	Mar 17, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	9133 PINEWOOD AVE ELBERTA AL 365305018, ELBERTA, AL 36530-5018

Mortgage

Document Number	0001792927
Date	Nov 1, 2019
Instrument	1792927

Lender

Name	RIVER BK&TR
Type	Funding / Finance Company
Address	CLANTON, AL 35045

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BALDWIN AL
Recording Date	Mar 4, 2019
Property Address	31463 RIVER RD, ORANGE BEACH, AL 36561-3743
Document Number	0001746190
Instrument Date	Feb 27, 2019
Instrument	1746190
Transaction Type	Transfer
Record Updated	Mar 14, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	9133 PINEWOOD AVE ELBERTA AL 365305018, ELBERTA, AL 36530-5018

Mortgage

Document Number	1746191
Date	Mar 4, 2019
Instrument	1746191

Lender

Name	RIVER BK&TR
Type	Funding / Finance Company
Address	CLANTON, AL 35046

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 31463 River Rd was $2,137 with exemptions applied, down 0.1% 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	$2,137.00 (-0.14%) Homeowner's exemption Senior Citizen's exemption
2025	$2,140.00	$100,420 Land $12,260 Building $88,160	$1,004,200 Land $122,600 Building $881,600
2023	$1,783.00 (+13.71%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$83,860 (+13.6%)	$838,500 (+13.6%) Land $130,000 Building $708,500
2022	$1,568.00 (+23.46%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$73,820	$738,100 Land $94,800 Building $643,300
2021	$1,270.00

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 31463 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 31463 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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