32254 River Rd, Orange Beach, AL 36561 Property Records

Baldwin County property record for 32254 River Rd, Orange Beach, AL 36561

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 4,071 sqft · built 2001
Lot Size	0.441 acres (19,200 sqft)
Owner	2 Company Names on Record
Last Sale	$2,264,500 (Feb 2023)
Tax Bill	$2,671 (2026)
Deeds & Mortgages	Jul 2021 Line of Credit Mar 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`64-02-04-0-000-001`

Property Details

APN / Parcel Number

Primary APN	`64-02-04-0-000-001`
Alternative APNs	`522846` `052751` `16838`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	10 Rooms
Stories	3 Stories
Building Area	4,071 sqft Heated Area
1st Floor Area	2,898 sqft
Upper Floors Area	1,173 sqft
Flooring	Stone
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	19,200 sqft (0.441 acres)
Lot Dimensions	240 ft deep x 80 ft wide
View / Lot	Waterfront / Beach

Exterior Amenities

Pool Area	473 sqft
Porch	Porch
Porch Area	1,700 sqft
Deck Area	147 sqft
Patio Area	147 sqft
Boat House	36 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	522846
Street Address	32254 RIVER RD
City	ORANGE BEACH
State	AL
Zip	36561-5708
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	80' X 240'S ONO ISLAND SUBD LOT 19 PLAT BOOK 9 PAGE 51
Legal Subdivision	ONO ISLAND
Legal Block	U-4
Legal Lot Number	19
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Company Names on Record
Mailing Address	32254 RIVER RD, ORANGE BEACH, AL 36561-5708
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Living Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2021	Deed of Trust, Mortgage · Line of Credit BBVA USA
Mar 7, 2022	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA
May 3, 2022	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 15, 2023 · Amount on Record
Deed Sale	Feb 15, 2023 · Amount on Record
Deed Document Number	20232047517
Prior Transfer Date	Feb 10, 2023
Prior Transfer Doc	0002047517
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALDWIN AL
Property Address	32254 RIVER RD, ORANGE BEACH, AL 36561-5708
Transaction Type	Mortgage
Record Updated	Apr 16, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001928296
Date	Jul 13, 2021
Instrument	1928296

Lender

Name	BBVA USA
Type	Bank
Address	FAIRHOPE, AL 36532

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Jun 11, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALDWIN AL
Property Address	32254 RIVER RD, ORANGE BEACH, AL 36561-5708
Transaction Type	Mortgage
Record Updated	Apr 16, 2024
Title Company	NATIONALLINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001982841
Date	Mar 7, 2022
Instrument	1982841

Lender

Name	PNC BANK NA
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2037

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALDWIN AL
Property Address	32254 RIVER RD, ORANGE BEACH, AL 36561-5708
Transaction Type	Mortgage
Record Updated	Apr 16, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001996234
Date	May 3, 2022
Instrument	1996234

Lender

Name	PNC BANK NA
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Apr 1, 2037

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	$2,671.00 Homeowner's exemption Senior Citizen's exemption
2025	$2,671.00	$125,120 (-) Land $55,900 Building $69,220	$2,643,800 (+14.95%) Land $1,286,600 Building $1,357,200
2023	$2,671.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$125,120 (-24.59%)	$2,300,000 (+38.63%) Land $1,208,600 Building $1,091,400
2022	$2,671.00 (+18.13%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$165,920	$1,659,100 Land $746,800 Building $912,300
2021	$2,261.00

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 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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