Baldwin County property record for 4096 Harbor Rd, Orange Beach, AL 36561
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 2,452 sqft · built 1994 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $5,626 (2026) |
| Flood Zone | Zone AE (high risk) |
| APN | 65-02-04-4-001-079 |
| Primary APN | 65-02-04-4-001-079 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,452 sqft Heated Area |
| 1st Floor Area | 2,080 sqft |
| Upper Floors Area | 744 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Exterior Material | Stucco |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 7,405 sqft (0.17 acres) |
| Lot Dimensions | 211 ft deep x 35 ft wide |
| View / Lot | Waterfront / Beach |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 7588 |
|---|---|
| Street Address | 4096 HARBOR RD |
| City | ORANGE BEACH |
| State | AL |
| Zip | 36561-3583 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 96.2' X 211' IRR LOT 77 TERRY COVE HARBOR SUB SLIDE 1365-A THRU 1366-B CITY OF ORANGE BEACH SEC 4-T9S-R5E (WD-SURVIVORSHIP) |
| Legal Subdivision | TERRY COVE HARBOR |
| Legal Lot Number | 77 |
| Jurisdiction | BALDWIN AL |
| Township / Civil Division | FOLEY |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 11414 |
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 | 19013 SCENIC HIGHWAY 98, FAIRHOPE, AL 36532-6836 |
| Owner Type | Individual |
| Vesting | Et Al (and Others) |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
Source: Baldwin County assessment roll, as of April 16, 2026
| Type | Name |
|---|---|
| State | Alabama |
| County | Baldwin County |
| Municipality | Orange Beach City |
| Unified School District | Orange Beach City School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,626.00 (+7%) | ||
| 2025 | $5,258.00 (+20.13%) | $164,340 (+20.13%) Land $104,000 Building $60,340 | $1,663,900 (+21.64%) Land $1,053,100 Building $610,800 |
| 2023 | $4,377.00 (+13.93%) Homeowner's exemption | $136,800 (+13.92%) | $1,367,900 (+13.93%) Land $863,300 Building $504,600 |
| 2022 | $3,842.00 (+24.3%) Homeowner's exemption | $120,080 | $1,200,600 Land $686,300 Building $514,300 |
| 2021 | $3,091.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 27, 2020 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 12.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 296 individual policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 1,104 units insured incl. 808 condo units |
| Nearby Flood Claims | 159 (1995–2020) |
| Claims Outside the SFHA | 6 of 159 |
| Most Recent Claim | Oct 2020 · tidal / storm surge |
| 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 | Low lower than 80% of the US · lower than 91% of Alabama |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
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 | ORANGE BEACH WATER SEWER AND F.P.A. serves 17,796 people · EPA ID AL0000053 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 29 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.
Source: FCC Broadband Data Collection, based on 247 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| C Spire Wireless Fiber | 8,000 / 8,000 |
| Point Broadband Fiber | 1,000 / 1,000 |
| Mediacom Xtream Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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