326 Grays Ln, Daphne, AL 36526 Property Records

Baldwin County property record for 326 Grays Ln, Daphne, AL 36526

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,828 sqft · built 1994
Lot Size	0.392 acres (17,091 sqft)
Owner	2 Individual Names on File
Last Sale	$400,000 (Jan 2026)
Tax Bill	$2,116 (2026)
Deeds & Mortgages	Jul 2026 Mortgage Aug 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`43-04-41-0-001-008.008`

Property Details

APN / Parcel Number

Primary APN	`43-04-41-0-001-008.008`
Alternative APNs	`115957` `230072`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,828 sqft Heated Area
1st Floor Area	1,258 sqft
Upper Floors Area	570 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Vinyl
Foundation Type	Pier/Post & Beam
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	17,091 sqft (0.392 acres)
Lot Dimensions	139 ft deep x 122 ft wide
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	230072
Street Address	326 GRAYS LN
City	DAPHNE
State	AL
Zip	36526-4652
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	122.96' X 139' IRR COM AT THE 1/2 SEC COR ON E LN OF SEC 18RUN N 1511.8', TH W 1412.2' TO A PT ON E ROW OF OLD CO RD CONT W 5
Jurisdiction	BALDWIN AL
Township / Civil Division	DAPHNE
Census Block Group	2
Census Block	2007
Census Tract	10800

Owner

326 Grays Ln is owned and occupied by two individuals who bought it in January 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	326 GRAYS LN, DAPHNE, AL 36526-4652
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Jul 22, 2026	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK
Aug 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage ALABAMA CU
Jan 29, 2026	Warranty Deed, Transfer · Conventional Mortgage FIRST HORIZON BANK
Aug 13, 2019	Deed of Trust, Mortgage ALABAMA CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 29, 2026 · Amount on File
Deed Sale	Jan 29, 2026 · Amount on File
Prior Sale	May 25, 2005
Deed Document Number	20262233648
Prior Transfer Date	Jan 23, 2026
Prior Transfer Doc	0002233648
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALDWIN AL
Recording Date	Jul 22, 2026
Property Address	326 GRAYS LN, DAPHNE, AL 36526-4652
Document Number	0002267548
Instrument Date	Jul 17, 2026
Instrument	20262267548
Transaction Type	Mortgage
Record Updated	Aug 3, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002267548,
Date	Jul 22, 2026
Instrument	20262267548

Lender

Name	CITIZENS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months

Interest

Rate	6.47%
Max Rate	-1%

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALDWIN AL
Property Address	326 GRAYS LN, DAPHNE, AL 36526-4652
Transaction Type	Mortgage
Record Updated	Feb 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001779387
Date	Aug 21, 2021
Instrument	1779387

Lender

Name	ALABAMA CU
Type	Credit Union
Address	TUSCALOOSA, AL 35401

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	157 Months
Due	Sep 1, 2034

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BALDWIN AL
Recording Date	Jan 29, 2026
Property Address	326 GRAYS LN, DAPHNE, AL 36526-4652
Document Number	0002233648
Instrument Date	Jan 23, 2026
Instrument	2233648
Transaction Type	Transfer
Record Updated	Feb 19, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15683 JUNIPER LN, SUMMERDALE, AL 36580-4248

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	326 GRAYS LN, DAPHNE, AL 36526-4652

Mortgage

Document Number	0002233649
Date	Jan 29, 2026
Instrument	2233649

Lender

Name	FIRST HORIZON BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALDWIN AL
Property Address	326 GRAYS LN, DAPHNE, AL 36526-4652
Document Number	0001779387
Instrument Date	Aug 13, 2019
Transaction Type	Mortgage
Record Updated	Aug 29, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	326 GRAYS LN DAPHNE AL 365264652, DAPHNE, AL 36526-4652

Mortgage

Document Number	0001779387
Date	Aug 21, 2019
Instrument	1779387

Lender

Name	ALABAMA CU
Type	Credit Union
Address	TUSCALOOSA, AL 35401

Agreement

Amount	Amount on Record
Term	180 Months
Due	Aug 20, 2034

Tax Assessment & Valuation

The 2026 property tax bill for 326 Grays Ln was $2,116 with a homeowner's exemption, up 7.1% from the year before.

Source: Baldwin County assessment roll, as of April 16, 2026

Property Jurisdictions

Type	Name
State	Alabama
County	Baldwin County
Municipality	Daphne City
Unified School District	Baldwin County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,116.00 (+7.14%) Homeowner's exemption
2025	$1,975.00 (+6.81%)	$43,920 (+6.65%) Land $18,060 Building $25,860	$439,200 (+6.68%) Land $180,600 Building $258,600
2024	$1,849.00 (+20.06%) Homeowner's exemption	$41,180 (+19.5%) Land $16,440 Building $24,740	$411,700 (+19.54%) Land $164,300 Building $247,400
2023	$1,540.00 (+21.16%) Homeowner's exemption	$34,460 (+12.54%)	$344,400 (+12.51%) Land $114,100 Building $230,300
2022	$1,271.00 (+16.5%) Homeowner's exemption	$30,620	$306,100 Land $117,300 Building $188,800
2021	$1,091.00

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 326 Grays Ln in Zone X, an area of minimal flood risk, though there have been 84 flood claims nearby since 1979.

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 File median of 66 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	66 in force
Nearby Flood Claims	84 (1979–2024)
Claims Outside the SFHA	25 of 84
Most Recent Claim	May 2024 · rainfall accumulation
Claims by Event	Hurricane Katrina, Aug 2005 · 32 claims Hurricane Ivan, Sep 2004 · 8 claims Hurricane Georges, Sep 1998 · 15 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 326 Grays Ln is moderate, ranking above 53% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 53% of the US · above 66% of Alabama
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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	CITY OF DAPHNE, UTILITIES BOARD OF THE serves 33,372 people · EPA ID AL0000029
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	5 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 109 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

May also be available: C Spire Wireless.

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