32130 River Rd, Orange Beach, AL 36561 Property Records

Baldwin County property record for 32130 River Rd, Orange Beach, AL 36561

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,773 sqft · built 1980
Lot Size	0.551 acres (24,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$2,100,000 (Dec 2025)
Tax Bill	$10,543 (2026)
Deeds & Mortgages	Dec 2025 Sale & Mortgage Jul 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`64-02-04-0-000-009`

Property Details

APN / Parcel Number

Primary APN	`64-02-04-0-000-009`
Alternative APNs	`321701` `10620`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,773 sqft Heated Area
1st Floor Area	1,773 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 2021
Exterior Material	Wood
Foundation Type	Pier/Post & Beam
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	24,000 sqft (0.551 acres)
Lot Dimensions	300 ft deep x 80 ft wide
View / Lot	Waterfront / Beach
Boat House	48 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	321701
Street Address	32130 RIVER RD
City	ORANGE BEACH
State	AL
Zip	36561-3778
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	80' X 300'S LOT 11 ONO ISLAND SUB PB9 PG51 (WD)
Legal Subdivision	ONO ISLAND
Legal Block	U-4
Legal Lot Number	11
Jurisdiction	BALDWIN AL
Township / Civil Division	FOLEY
Census Block Group	1
Census Block	1006
Census Tract	11415

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	1145 TREVOR CIR, THOMASVILLE, AL 36784-3546
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 5, 2025	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Jul 18, 2019	Warranty Deed, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 5, 2025 · Amount on Record
Deed Sale	Dec 5, 2025 · Amount on Record
Prior Sale	Jul 18, 2019 · Amount on Record
Deed Document Number	20252225073
Record Updated	Oct 29, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BALDWIN AL
Recording Date	Dec 5, 2025
Property Address	32130 RIVER RD, ORANGE BEACH, AL 36561-3778
Document Number	0002225073
Map Reference	MB 9 PG 50
Instrument Date	Dec 1, 2025
Instrument	2225073
Transaction Type	Transfer
Record Updated	Dec 17, 2025

Transaction

Amount	Amount Recorded
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	1145 TREVOR CIR, THOMASVILLE, AL 36784-3546

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4001 QUAIL RIDGE DR, MCKINNEY, TX 75072-5318
Investor	Possibly a Property Investor

Mortgage

Document Number	0002225074
Date	Dec 5, 2025
Instrument	2225074

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.05%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10%
Index	SOFR Average 30-Day
Margin	3
Max Rate	10%

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BALDWIN AL
Recording Date	Jul 18, 2019
Property Address	32130 RIVER RD, ORANGE BEACH, AL 36561-3778
Document Number	0001772336
Map Reference	MB 9 PG 50
Instrument Date	Jul 15, 2019
Instrument	1772336
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Amount	Amount Recorded
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	2209 RIVER FOREST RD, 2209, MOBILE, AL 36605-4441

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1145 TREVOR CIR, THOMASVILLE, AL 36784-3546

Mortgage

Document Number	0001772337
Date	Jul 18, 2019
Instrument	1772337

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

Tax Assessment & Valuation

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	$10,543.00 (+7.34%)
2025	$9,822.00 (+6.99%)	$350,800 (+7%) Land $244,440 Building $106,360	$1,846,400 (+12.63%) Land $1,286,600 Building $559,800
2024	$9,180.00 (+7.26%)	$327,860 (+7.26%) Land $218,340 Building $109,520	$1,639,300 (+7.26%) Land $1,091,700 Building $547,600
2023	$8,559.00 (+58.24%)	$305,680 (+58.22%)	$1,528,400 (+58.22%) Land $1,208,600 Building $319,800
2022	$5,409.00 (+31.25%)	$193,200	$966,000 Land $695,300 Building $270,700
2021	$4,121.00

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

Flood

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 Record 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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.8% of Alabama
Wildfire Likelihood	Under 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 119 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: Verizon.

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