404 Circle Dr, Fairhope, AL 36532 Property Records

Baldwin County property record for 404 Circle Dr, Fairhope, AL 36532

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,400 sqft · built 2017
Lot Size	0.81 acres (35,300 sqft)
Owner	2 Individual Names on Record
Last Sale	$580,000 (Dec 2024)
Tax Bill	$2,099 (2025)
Deeds & Mortgages	Jan 2020 Line of Credit Jun 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`46-03-37-0-005-044`

Property Details

APN / Parcel Number

Primary APN	`46-03-37-0-005-044`
Alternative APNs	`389395` `350531` `46833`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,400 sqft Heated Area
1st Floor Area	1,400 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2022
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	35,300 sqft (0.81 acres)
Lot Dimensions	100 ft deep x 39.2 ft wide

Exterior Amenities

Pool Area	544 sqft
Porch	Porch
Porch Area	276 sqft
Utility Building	120 sqft
Total Buildings	3 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	389395
Street Address	404 CIRCLE DR
City	FAIRHOPE
State	AL
Zip	36532-2603
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	39.2' X 100' IRR GAYFER COURT SUB LOT 12 PB5 P59 & A 1/25 INT IN EACH OF THE FOLLOWING: #1 - COM AT SE COR SEC 7, TH N 557.7'
Legal Subdivision	GAYFER COURT
Legal Lot Number	12
Jurisdiction	BALDWIN AL
Township / Civil Division	FAIRHOPE
Census Block Group	2
Census Block	2016
Census Tract	11201

Owner

Source: Baldwin County records, as of April 16, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	404 CIRCLE DR, FAIRHOPE, AL 36532-2603
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 17, 2020	Deed of Trust, Mortgage · Line of Credit THE CITIZENS BANK
Jun 4, 2021	Quit Claim Deed, Transfer · Conventional Mortgage THE CITIZENS BANK
Jan 18, 2017	Warranty Deed, Transfer · Conventional Mortgage THE CITIZENS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 18, 2024 · Amount on Record
Deed Sale	Dec 18, 2024 · Amount on Record
Prior Sale	Jan 18, 2017 · Amount on Record
Deed Document Number	20242162078
Record Updated	Jun 8, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALDWIN AL
Property Address	404 CIRCLE DR, FAIRHOPE, AL 36532-2603
Transaction Type	Mortgage
Record Updated	Jul 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001806487
Date	Jan 17, 2020
Instrument	1806487

Lender

Name	THE CITIZENS BANK
Type	Bank
Address	FAIRHOPE, AL 36532

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jan 3, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BALDWIN AL
Recording Date	Jun 4, 2021
Property Address	404 CIRCLE DR, FAIRHOPE, AL 36532-2603
Document Number	0001919193
Map Reference	MB 5 PG 59
Instrument Date	May 20, 2021
Instrument	1919193
Transaction Type	Transfer
Record Updated	Jun 29, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1096, COOKE CITY, MT 59020-1096

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 CIRCLE DR, FAIRHOPE, AL 36532-2603

Mortgage

Document Number	0001919194
Date	Jun 4, 2021
Instrument	1919194

Lender

Name	THE CITIZENS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2036

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BALDWIN AL
Recording Date	Jan 18, 2017
Property Address	404 CIRCLE DR, FAIRHOPE, AL 36532-2603
Document Number	0001613462
Map Reference	MB5 PG59
Instrument Date	Jan 13, 2017
Instrument	1613462
Transaction Type	Transfer
Record Updated	Jul 15, 2022
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$51.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 CIRCK DR, FAIRHOPE, AL 36532

Mortgage

Document Number	0001613463
Date	Jan 18, 2017
Instrument	1613463

Lender

Name	THE CITIZENS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2032

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
2025	$2,099.00 (+19.46%)	$45,640 (+19.48%) Land $19,300 Building $26,340	$479,400 (+25.53%) Land $202,800 Building $276,600
2023	$1,757.00 (+15.21%)	$38,200 (+15.2%)	$381,900 (+15.2%) Land $193,200 Building $188,700
2022	$1,525.00 (+14.75%)	$33,160	$331,500 Land $178,200 Building $153,300
2021	$1,329.00

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 28 policies
Nearby Flood Policies	28 in force
Nearby Flood Claims	15 (1978–2023)
Claims Outside the SFHA	5 of 15
Most Recent Claim	Aug 2023
Claims by Event	Hurricane Katrina, Aug 2005 · 4 claims Hurricane Georges, Sep 1998 · 2 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 62% of the US · lower than 74% of Alabama
Wildfire Likelihood	0.07% 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.

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 289 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Mediacom Xtream Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: C Spire Wireless, Verizon.

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