38 Echo Ln, Fairhope, AL 36532 Property Records

Baldwin County property record for 38 Echo Ln, Fairhope, AL 36532

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,487 sqft · built 1986
Lot Size	0.23 acres (10,004 sqft)
Owner	Individual Name on Record
Last Sale	$145,000 (May 2019)
Tax Bill	$1,884 (2026)
Deeds & Mortgages	Mar 2021 Mortgage Feb 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`46-04-19-4-000-009.074`

Property Details

APN / Parcel Number

Primary APN	`46-04-19-4-000-009.074`
Alternative APNs	`522416` `226736` `78026`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,487 sqft Heated Area
1st Floor Area	1,487 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	10,004 sqft (0.23 acres)
Lot Dimensions	117 ft deep x 85.5 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	522416
Street Address	38 ECHO LN
City	FAIRHOPE
State	AL
Zip	36532-1455
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 15 UNIT 4 COVERED BRIDGE ESTATES MB12 P115
Legal Subdivision	COVERED BRIDGE ESTATES
Legal Block	U-4
Legal Lot Number	15
Legal Unit	4
Jurisdiction	BALDWIN AL
Township / Civil Division	FAIRHOPE
Census Block Group	2
Census Block	2039
Census Tract	11202

Owner

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	38 ECHO LN, FAIRHOPE, AL 36532-1455
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Feb 3, 2023	Warranty Deed, Transfer · Conventional Mortgage BAY MORTGAGE CORP
Nov 17, 2017	Deed of Trust, Mortgage · Commercial Mortgage THE FIRST A NATIONAL BANKING ASSN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 9, 2019 · Amount on Record
Deed Sale	May 9, 2019 · Amount on Record
Deed Document Number	20191759030
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALDWIN AL
Property Address	38 ECHO LN, FAIRHOPE, AL 36532-1455
Transaction Type	Mortgage
Record Updated	Jul 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001897598
Date	Mar 15, 2021
Instrument	1897598

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BALDWIN AL
Recording Date	Feb 3, 2023
Property Address	38 ECHO LN, FAIRHOPE, AL 36532-1455
Document Number	0002045414
Map Reference	MB 12 PG 115
Instrument Date	Jan 27, 2023
Instrument	2045414
Transaction Type	Transfer
Record Updated	Feb 17, 2023

Transaction

Amount	Amount Recorded
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
Address	515 S MOBILE ST, FAIRHOPE, AL 36532-1112

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 ECHO LN, FAIRHOPE, AL 36532-1455

Mortgage

Document Number	0002045415
Date	Feb 3, 2023
Instrument	2045415

Lender

Name	BAY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2053

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALDWIN AL
Property Address	38 ECHO LN, FAIRHOPE, AL 36532-1455
Transaction Type	Mortgage
Record Updated	Jul 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001666673
Date	Nov 17, 2017
Instrument	1666673

Lender

Name	THE FIRST A NATIONAL BANKING ASSN
Type	Bank
Address	FAIRHOPE, AL 36532

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Nov 26, 2022

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,884.00 (+4.15%) Homeowner's exemption
2025	$1,809.00 (+18.62%)	$40,320 (+18.1%) Land $16,900 Building $23,420	$403,100 (+18.11%) Land $169,000 Building $234,100
2023	$1,525.00 (+16.23%) Homeowner's exemption	$34,140 (+15.65%)	$341,300 (+15.66%) Land $161,000 Building $180,300
2022	$1,312.00 (+17.14%) Homeowner's exemption	$29,520	$295,100 Land $148,500 Building $146,600
2021	$1,120.00

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 115 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	252 units insured incl. 137 condo units
Nearby Flood Claims	129 (1978–2020)
Claims Outside the SFHA	24 of 129
Most Recent Claim	Sep 2020 · tidal / storm surge
Claims by Event	Hurricane Katrina, Aug 2005 · 60 claims Hurricane Ivan, Sep 2004 · 15 claims Hurricane Georges, Sep 1998 · 19 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	High above 72% of the US · above 94% of Alabama
Wildfire Likelihood	0.3% 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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 112 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: C Spire Wireless, T-Mobile.

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