4127 Harbor Rd, Orange Beach, AL 36561 Property Records

Baldwin County property record for 4127 Harbor Rd, Orange Beach, AL 36561

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,497 sqft · built 2006
Lot Size	0.218 acres (9,506 sqft)
Owner	Individual Name on File
Last Sale	$600,000 (Jul 2020)
Tax Bill	$2,768 (2026)
Deeds & Mortgages	Jul 2020 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`65-02-04-4-001-042`

Property Details

APN / Parcel Number

Primary APN	`65-02-04-4-001-042`
Alternative APNs	`114266` `355993`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,497 sqft Heated Area
1st Floor Area	1,801 sqft
Upper Floors Area	696 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2021
Exterior Material	Fiber Cement Siding
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	9,506 sqft (0.218 acres)
Lot Dimensions	145 ft deep x 65.2 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	355993
Street Address	4127 HARBOR RD
City	ORANGE BEACH
State	AL
Zip	36561-3579
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	65.2' X 145.8' IRR LOT 44 TERRY COVE HARBOR SUB SLIDE 1365A-1367A IN THE CITY OF ORANGE BEACH SEC 4-T9S-R5E (WD/SURVIVORSHIP)
Legal Subdivision	TERRY COVE HARBOR
Legal Lot Number	44
Jurisdiction	BALDWIN AL
Township / Civil Division	FOLEY
Census Block Group	1
Census Block	1015
Census Tract	11414

Owner

4127 Harbor Rd is owned by an individual who bought it in July 2020.

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

Owner of Record	Individual Name on File
Mailing Address	4130 HARBOR RD, ORANGE BEACH, AL 36561-3522
Owner Type	Individual
Vesting	Et Al (and Others)

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 17, 2020 · Amount on File
Deed Sale	Jul 17, 2020 · Amount on File
Prior Sale	Mar 8, 2006
Deed Document Number	20201843327
Record Updated	Oct 29, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BALDWIN AL
Recording Date	Jul 17, 2020
Property Address	4127 HARBOR RD, ORANGE BEACH, AL 36561-3579
Document Number	0001843327
Instrument Date	Jul 10, 2020
Instrument	1843327
Transaction Type	Transfer
Record Updated	Sep 29, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	27580 CANAL RD APT 1202, 1202, ORANGE BEACH, AL 36561-4069

Mortgage

Document Number	0001843328
Date	Jul 17, 2020
Instrument	1843328

Lender

Name	SOUTH STATE BANK
Type	Bank

Agreement

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

Tax Assessment & Valuation

The 2026 property tax bill for 4127 Harbor Rd was $2,768, up 6.5% from the year before.

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

Property Jurisdictions

Type	Name
State	Alabama
County	Baldwin County
Municipality	Orange Beach City
Unified School District	Orange Beach City School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,768.00 (+6.46%)
2025	$2,600.00	$81,280 Land $26,480 Building $54,800	$864,900 Land $281,800 Building $583,100
2023	$2,435.00 (+21.51%) Homeowner's exemption	$76,100 (+21.49%)	$761,000 (+21.49%) Land $213,800 Building $547,200
2022	$2,004.00 (+42.33%) Homeowner's exemption	$62,640	$626,400 Land $167,200 Building $459,200
2021	$1,408.00

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 4127 Harbor Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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	11.0 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	Hurricane Sally, Sep 2020 · 127 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Apr 2014 · 4 claims Hurricane Ivan, Sep 2004 · 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

Wildfire risk around 4127 Harbor Rd 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 148 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Point Broadband Fiber	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Brightspeed, C Spire Wireless.

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