406 Circle Dr, Fairhope, AL 36532 Property Records

Baldwin County property record for 406 Circle Dr, Fairhope, AL 36532

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,458 sqft · built 1965
Lot Size	0.81 acres (35,300 sqft)
Owner	Individual Name on File
Last Sale	$153,500 (Jul 2020)
Tax Bill	$1,954 (2026)
Deeds & Mortgages	Mar 2021 Line of Credit Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`46-03-37-0-005-045`

Property Details

APN / Parcel Number

Primary APN	`46-03-37-0-005-045`
Alternative APNs	`369806` `4215`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,458 sqft Heated Area
1st Floor Area	1,698 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1965
Effective Year Built	Effective 2021
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	35,300 sqft (0.81 acres)
Lot Dimensions	125 ft deep x 60 ft wide
Utility Building	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	369806
Street Address	406 CIRCLE DR
City	FAIRHOPE
State	AL
Zip	36532-2603
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	60' X 125' IRR GAYFER COURT SUB LOT 11 PB5 PG59 & A 1/25 INT IN EACH OF THE FOLLOWING PARCELS: #1-COM AT SE COR SEC 7 TH N 55
Legal Subdivision	GAYFER COURT
Legal Lot Number	11
Jurisdiction	BALDWIN AL
Township / Civil Division	FAIRHOPE
Census Block Group	2
Census Block	2016
Census Tract	11201

Owner

406 Circle Dr is owned and occupied by an individual who bought it in July 2020.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	406 CIRCLE DR, FAIRHOPE, AL 36532-2603
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Date	Document
Mar 22, 2021	Deed of Trust, Mortgage · Line of Credit TRUSTMARK NATIONAL BANK
Jul 28, 2020	Warranty Deed, Transfer · Conventional Mortgage BAY MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 28, 2020 · Amount on File
Deed Sale	Jul 28, 2020 · Amount on File
Prior Sale	Nov 28, 2017 · Amount on File
Deed Document Number	20201845736
Prior Transfer Date	Jul 23, 2020
Prior Transfer Doc	0001845736
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALDWIN AL
Property Address	406 CIRCLE DR, FAIRHOPE, AL 36532-2603
Transaction Type	Mortgage
Record Updated	Oct 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001899640
Date	Mar 22, 2021
Instrument	1899640

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank
Address	DAPHNE, AL 36526

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	119 Months
Due	Feb 11, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BALDWIN AL
Recording Date	Jul 28, 2020
Property Address	406 CIRCLE DR, FAIRHOPE, AL 36532-2603
Document Number	0001845736
Map Reference	MB 5 PG 59
Instrument Date	Jul 23, 2020
Instrument	1845736
Transaction Type	Transfer
Record Updated	Jul 15, 2022

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	6244 MAIN ROSWELL, 6244, ROSWELL, NM 88201

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	406 CIRCLE DR, FAIRHOPE, AL 36532-2603

Mortgage

Document Number	0001845737
Date	Jul 28, 2020
Instrument	1845737

Lender

Name	BAY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 406 Circle Dr was $1,954 with a homeowner's exemption, up 4.8% from the year before.

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	$1,954.00 (+4.77%) Homeowner's exemption
2025	$1,865.00	$41,540 Land $20,280 Building $21,260	$415,300 Land $202,800 Building $212,500
2023	$1,616.00 (+15.68%) Homeowner's exemption	$36,120 (+15.18%)	$361,000 (+15.15%) Land $193,200 Building $167,800
2022	$1,397.00 (+19.1%) Homeowner's exemption	$31,360	$313,500 Land $178,200 Building $135,300
2021	$1,173.00

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 406 Circle Dr in Zone X, an area of minimal flood risk, within 500 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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 406 Circle Dr is low, with a 0.07% annual chance of 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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