32397 River Rd, Orange Beach, AL 36561 Property Records

Baldwin County property record for 32397 River Rd, Orange Beach, AL 36561

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,152 sqft · built 1995
Lot Size	0.519 acres (22,635 sqft)
Owner	2 Trust Names on File
Last Sale	$1,050,500 (Apr 2024)
Tax Bill	$2,260 (2026)
Deeds & Mortgages	Apr 2024 Transfer Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`63-08-33-0-000-001.071`

Property Details

APN / Parcel Number

Primary APN	`63-08-33-0-000-001.071`
Alternative APNs	`387468` `314756` `545723` `73910`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,152 sqft Heated Area
1st Floor Area	2,108 sqft
Upper Floors Area	1,044 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2005
Exterior Material	Fiber Cement Siding
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	22,635 sqft (0.519 acres)
Lot Dimensions	280 ft deep x 80 ft wide
View / Lot	Waterfront / Beach
Pool Area	416 sqft
Boat Access	Boat Access
Boat House	160 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	545723
Street Address	32397 RIVER RD
City	ORANGE BEACH
State	AL
Zip	36561-5737
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 15 ONO ISLAND UNIT 11 MB12 PG51
Legal Subdivision	ONO ISLAND
Legal Block	U-11
Legal Lot Number	15
Legal Unit	2
Jurisdiction	BALDWIN AL
Township / Civil Division	FOLEY
Census Block Group	1
Census Block	1013
Census Tract	11415

Owner

32397 River Rd is owner-occupied and held in a trust since April 2024.

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

Owner of Record	2 Trust Names on File
Mailing Address	32397 RIVER RD, ORANGE BEACH, AL 36561-5737
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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
Apr 22, 2024	Intrafamily Transfer, Transfer
Nov 17, 2020	Intrafamily Transfer, Transfer · VA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 22, 2024 · Amount on File
Deed Sale	Apr 22, 2024 · Amount on File
Prior Sale	Nov 17, 2020
Deed Document Number	20242119856
Prior Transfer Date	Mar 1, 2024
Prior Transfer Doc	0002119856
Record Updated	Oct 29, 2026

April 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BALDWIN AL
Recording Date	Apr 22, 2024
Property Address	32397 RIVER RD, ORANGE BEACH, AL 36561-5737
Document Number	0002119856
Map Reference	DOC 1477143
Instrument Date	Mar 1, 2024
Instrument	2119856
Transaction Type	Transfer
Record Updated	May 1, 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
Relationship	Revocable Trust
Address	32397 RIVER RD, ORANGE BEACH, AL 36561-5737

November 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BALDWIN AL
Recording Date	Nov 17, 2020
Property Address	32397 RIVER RD, ORANGE BEACH, AL 36561-5737
Document Number	0001871441
Map Reference	MB 12 PG 51
Instrument Date	Oct 31, 2020
Instrument	1871441
Transaction Type	Transfer
Record Updated	Jun 22, 2021
Title Company	SERVICELINK

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	32397 RIVER RD, ORANGE BEACH, AL 36561-5737

Mortgage

Document Number	0001871442
Date	Nov 17, 2020
Instrument	1871442

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 32397 River Rd was $2,260 with exemptions applied, up 3.1% 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	$2,260.00 (+3.06%) Homeowner's exemption Senior Citizen's exemption
2025	$2,193.00	$102,920 Land $39,900 Building $63,020	$1,029,100 Land $399,000 Building $630,100
2023	$1,935.00 (-7.9%)	$90,900 (+21.14%)	$908,900 (+21.14%) Land $346,000 Building $562,900
2022	$2,101.00 (+16.4%)	$75,040	$750,300 Land $223,300 Building $527,000
2021	$1,805.00

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 32397 River Rd in Zone X, an area of minimal flood risk, within 100 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 100 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

Wildfire risk around 32397 River Rd is low, with less than a 0.01% annual chance of 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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