Baldwin County property record for 324 Cumberland Rd, Fairhope, AL 36532
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,415 sqft · built 2005 |
| Lot Size | 0.368 acres (16,023 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $485,000 (Jul 2018) |
| Tax Bill | $3,805 (2026) |
| Deeds & Mortgages | Apr 2024 Line of Credit Apr 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 43-08-33-0-000-002.104 |
| Primary APN | 43-08-33-0-000-002.104 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 3,415 sqft Heated Area |
| 1st Floor Area | 3,415 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 16,023 sqft (0.368 acres) |
| Lot Dimensions | 152 ft deep x 105 ft wide |
| Pool Area | 522 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 346993 |
|---|---|
| Street Address | 324 CUMBERLAND RD |
| City | FAIRHOPE |
| State | AL |
| Zip | 36532-3441 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 105' X 152.6' IRR LOT 82 SANDY FORD SUBDIVISION PHASE III SLIDE 2195 B-C LYING IN THE CITY OF FAIRHOPE SW1/4 SEC 33-T5S-R2E ( |
| Legal Subdivision | SANDY FORD SUB PH III |
| Legal Phase | 3 |
| Legal Block | PH 3 |
| Legal Lot Number | 82 |
| Jurisdiction | BALDWIN AL |
| Township / Civil Division | DAPHNE |
| Census Block Group | 1 |
| Census Block | 1075 |
| Census Tract | 10709 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 324 CUMBERLAND RD, FAIRHOPE, AL 36532-3441 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Al (and Others) |
| Date | Document |
|---|---|
| Apr 15, 2024 | Deed of Trust, Mortgage · Line of Credit REGIONS BANK |
| Apr 8, 2020 | Deed of Trust, Mortgage · Conventional Mortgage REGIONS MTG |
| Jul 16, 2018 | Grant Deed, Transfer · Conventional Mortgage QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 16, 2018 · Amount on Record |
| Deed Sale | Jul 16, 2018 · Amount on Record |
| Prior Sale | Oct 25, 2012 · Amount on Record |
| Deed Document Number | 20181708142 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BALDWIN AL |
| Property Address | 324 CUMBERLAND RD, FAIRHOPE, AL 36532-3441 |
| Transaction Type | Mortgage |
| Record Updated | May 21, 2024 |
| Name | Verified Name |
|---|---|
| Address | 324 CUMBERLAND RD, FAIRHOPE, AL 36532-3441 |
| Document Number | 0002118333 |
|---|---|
| Date | Apr 15, 2024 |
| Instrument | 2118333 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35244 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 22, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BALDWIN AL |
| Property Address | 324 CUMBERLAND RD, FAIRHOPE, AL 36532-3441 |
| Document Number | 0001822530 |
| Instrument Date | Apr 8, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Apr 27, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 324 CUMBERLAND RD FAIRHOPE AL 365323441, FAIRHOPE, AL 36532-3441 |
| Document Number | 0001822530 |
|---|---|
| Date | Apr 13, 2020 |
| Instrument | 1822530 |
| Name | REGIONS MTG |
|---|---|
| Type | Mortgage Company |
| Address | BIRMINGHAM, AL 35244 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 156 Months |
| Due | Apr 12, 2033 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | BALDWIN AL |
| Recording Date | Jul 16, 2018 |
| Property Address | 324 CUMBERLAND RD, FAIRHOPE, AL 36532-3441 |
| Document Number | 0001708142 |
| Instrument Date | Jul 12, 2018 |
| Instrument | 1708142 |
| Transaction Type | Transfer |
| Record Updated | Aug 7, 2018 |
| Title Company | OTHER |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $185.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 324 CUMBERLAND RD FAIRHOPE AL 365323441, FAIRHOPE, AL 36532-3441 |
| Document Number | 1708143 |
|---|---|
| Date | Jul 16, 2018 |
| Instrument | 1708143 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 15, 2048 |
Source: Baldwin County assessment roll, as of April 16, 2026
| Type | Name |
|---|---|
| State | Alabama |
| County | Baldwin County |
| Municipality | Fairhope City |
| Unified School District | Baldwin County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,805.00 (+1.93%) Homeowner's exemption | ||
| 2025 | $3,733.00 (+28.81%) | $82,140 (+28.38%) Land $14,400 Building $67,740 | $821,200 (+28.39%) Land $143,900 Building $677,300 |
| 2023 | $2,898.00 (+16.11%) Homeowner's exemption | $63,980 (+15.82%) | $639,600 (+15.79%) Land $98,700 Building $540,900 |
| 2022 | $2,496.00 (+8.38%) Homeowner's exemption | $55,240 | $552,400 Land $109,200 Building $443,200 |
| 2021 | $2,303.00 |
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.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 37 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 37 in force |
| Nearby Flood Claims | 3 (2020) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Oct 2020 · rainfall accumulation |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 59% of the US · above 76% of Alabama |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF FAIRHOPE serves 59,850 people · EPA ID AL0000035 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2025 |
| Lead | 1 ppb (2023–2025) action level 15 ppb |
| 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, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 91 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless, DSL in parts of the area | 5,000 / 5,000 |
| Mediacom Xtream Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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