32 Echo Ln, Fairhope, AL 36532 Property Records

Baldwin County property record for 32 Echo Ln, Fairhope, AL 36532

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,940 sqft · built 1991
Lot Size	1.17 acres (51,070 sqft)
Owner	Individual Name on File
Tax Bill	$1,495 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`46-04-19-4-000-009.039`

Property Details

APN / Parcel Number

Primary APN	`46-04-19-4-000-009.039`
Alternative APNs	`532151` `160855` `55967`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,940 sqft Heated Area
1st Floor Area	1,310 sqft
Upper Floors Area	630 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 2022
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	51,070 sqft (1.17 acres)
Lot Dimensions	55.6 ft deep x 104 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	532151
Street Address	32 ECHO LN
City	FAIRHOPE
State	AL
Zip	36532-1455
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 18 COVERED BRIDGE ESTATES UNIT 2 MB11 PG87
Legal Subdivision	COVERED BRIDGE ESTATES
Legal Block	U-2
Legal Lot Number	18
Legal Unit	2
Jurisdiction	BALDWIN AL
Township / Civil Division	FAIRHOPE
Census Block Group	2
Census Block	2039
Census Tract	11202

Owner

Source: Baldwin County records · APN 46-04-19-4-000-009.039

Assessment roll updated April 16, 2026 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	32 ECHO LN, FAIRHOPE, AL 36532-1455
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Updated	Jun 08, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALDWIN AL
Property Address	32 ECHO LN, FAIRHOPE, AL 36532-1455
Transaction Type	Mortgage
Record Updated	Oct 03, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 ECHO LN, FAIRHOPE, AL 36532-1455

Mortgage

Document Number	0002025416
Date	Sep 26, 2022
Instrument	2025416

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 25, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Baldwin County records · Assessment roll updated April 16, 2026 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Alabama
County	Baldwin County
Municipality	Fairhope City
Unified School District	Baldwin County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,495.00 (-12.98%)	$38,340 (-) Land $16,100 Building $22,240	$449,500 (+17.27%) Land $169,000 Building $280,500
2023	$1,718.00 (+21.24%) Homeowner's exemption	$38,340 (+20.57%)	$383,300 (+20.57%) Land $161,000 Building $222,300
2022	$1,417.00 (+9.84%) Homeowner's exemption	$31,800	$317,900 Land $148,500 Building $169,400
2021	$1,290.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 27, 2020 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 115 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	252 units insured incl. 137 condo units
Nearby Flood Claims	129 (1978–2020)
Claims Outside the SFHA	24 of 129
Most Recent Claim	Sep 2020 · tidal / storm surge
Claims by Event	Hurricane Katrina, Aug 2005 · 60 claims Hurricane Ivan, Sep 2004 · 15 claims Hurricane Georges, Sep 1998 · 19 claims

Wildfire

Wildfire Risk	High above 72% of the US · above 94% of Alabama
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Mediacom Communications Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: T-Mobile USA, Telapex.

Based on FCC filings for 112 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CITY OF FAIRHOPE serves 59,850 people
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	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	4 last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.