32165 River Rd, Orange Beach, AL 36561 Property Records

Baldwin County property record for 32165 River Rd, Orange Beach, AL 36561

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 3,284 sqft · built 1996
Lot Size	0.448 acres (19,556 sqft)
Owner	Individual Name on File
Last Sale	$875,000 (Sep 2023)
Tax Bill	$3,553 (2026)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Nov 2021 Transfer
Flood Zone	Zone AE (high risk)
APN	`63-08-33-0-000-001.085`

Property Details

APN / Parcel Number

Primary APN	`63-08-33-0-000-001.085`
Alternative APNs	`535530` `028771` `73906`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	3,284 sqft Heated Area
1st Floor Area	3,284 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2021
Exterior Material	Stucco
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	19,556 sqft (0.448 acres)
Lot Dimensions	200 ft deep x 97.7 ft wide
View / Lot	Waterfront / Beach

Exterior Amenities

Deck Area	420 sqft
Patio Area	420 sqft
Boat Access	Boat Access
Boat House	220 sqft
Wet Bar	Wet Bar

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	535530
Street Address	32165 RIVER RD
City	ORANGE BEACH
State	AL
Zip	36561-3779
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 ONO ISLAND UNIT 11 MB12 PG51
Legal Subdivision	ONO ISLAND
Legal Block	U-11
Legal Lot Number	1
Legal Unit	2
Jurisdiction	BALDWIN AL
Township / Civil Division	FOLEY
Census Block Group	1
Census Block	1013
Census Tract	11415

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	32165 RIVER RD, ORANGE BEACH, AL 36561-3779
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2023	Personal Representative Deed, Transfer · Conventional Mortgage ALABAMA CU
Nov 29, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 1, 2023 · Amount on File
Deed Sale	Sep 1, 2023 · Amount on File
Deed Document Number	20232083839
Prior Transfer Date	Nov 1, 2021
Prior Transfer Doc	0001960541
Record Updated	Oct 29, 2026

September 2023: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	BALDWIN AL
Recording Date	Sep 1, 2023
Property Address	32165 RIVER RD, ORANGE BEACH, AL 36561-3779
Document Number	0002083839
Map Reference	MB 12 PG 51
Instrument Date	Aug 22, 2023
Instrument	2083839
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	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32165 RIVER RD, ORANGE BEACH, AL 36561-3779

Mortgage

Document Number	0002083840
Date	Sep 1, 2023
Instrument	2083840

Lender

Name	ALABAMA CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Sep 1, 2033

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BALDWIN AL
Recording Date	Nov 29, 2021
Property Address	32165 RIVER RD, ORANGE BEACH, AL 36561-3779
Document Number	0001960541
Map Reference	MB 12 PG 51
Instrument Date	Nov 1, 2021
Instrument	1960541
Transaction Type	Transfer
Record Updated	Apr 16, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32165 RIVER RD, ORANGE BEACH, AL 36561-3779

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	$3,553.00 (+1.81%) Homeowner's exemption
2025	$3,490.00 (-43.12%)	$126,260 (-42.39%) Land $39,900 Building $86,360	$1,262,500 (+15.21%) Land $399,000 Building $863,500
2023	$6,136.00 (+209.9%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$219,160 (+135.61%)	$1,095,800 (+17.82%) Land $346,000 Building $749,800
2022	$1,980.00 (+25.79%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$93,020	$930,100 Land $223,300 Building $706,800
2021	$1,574.00

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

Source: FEMA National Flood Hazard Layer, effective September 27, 2020 · 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	8.0 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

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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