4128 Harbor Rd, Orange Beach, AL 36561 Property Records

Baldwin County property record for 4128 Harbor Rd, Orange Beach, AL 36561

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,192 sqft · built 2017
Lot Size	0.17 acres (7,238 sqft)
Owner	2 Trust Names on File
Last Sale	$2,457,500 (Jun 2026)
Tax Bill	$8,057 (2026)
Deeds & Mortgages	Jun 2026 Sale Apr 2021 Sale & Mortgage + 3 more
Flood Zone	Zone AE (high risk)
APN	`65-02-04-4-001-064`

Property Details

APN / Parcel Number

Primary APN	`65-02-04-4-001-064`
Alternative APNs	`114305` `326291` `201164`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,192 sqft Heated Area
1st Floor Area	1,596 sqft
Upper Floors Area	1,596 sqft
Flooring	Marble
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2021
Exterior Material	Stucco
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	7,238 sqft (0.17 acres)
Lot Dimensions	130 ft deep x 70 ft wide
View / Lot	Waterfront / Beach
Pool Area	298 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	201164
Street Address	4128 HARBOR RD
City	ORANGE BEACH
State	AL
Zip	36561-3522
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	69.2' X 104.6' IRR LOT 65 TERRY COVE HARBOR SUB SLIDE 1365A-1367A CITY OF ORANGE BEACH SEC 4-T9S-R5E (STAT WD/SURVIVORSHIP)
Legal Subdivision	TERRY COVE HARBOR
Legal Lot Number	65
Jurisdiction	BALDWIN AL
Township / Civil Division	FOLEY
Census Block Group	1
Census Block	1015
Census Tract	11414

Owner

4128 Harbor Rd is owner-occupied and held in a trust since June 2026.

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

Owner of Record	2 Trust Names on File
Mailing Address	12400 COYOTE DR, DAPHNE, AL 36527-8732
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

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

Date	Document
Jun 9, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Apr 23, 2021	Warranty Deed, Transfer · Conventional Mortgage SYNOVUS BANK
May 13, 2019	Quit Claim Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE
Mar 27, 2018	Loan Modification, Mortgage HANCOCK BK
May 2, 2017	Trustee's Deed, Construction Loan · Construction Mortgage HANCOCK BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 9, 2026 · Amount on File
Deed Sale	Jun 9, 2026 · Amount on File
Prior Sale	Apr 23, 2021 · Amount on File
Deed Document Number	20262258896
Prior Transfer Date	Apr 26, 2019
Prior Transfer Doc	0001759276
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BALDWIN AL
Recording Date	Jun 9, 2026
Property Address	4128 HARBOR RD, ORANGE BEACH, AL 36561-3522
Document Number	0002258896
Instrument Date	May 20, 2026
Instrument	20262258896
Transaction Type	Transfer
Record Updated	Aug 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$248,207.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	12400 COYOTE DR, SPANISH FORT, AL 36527-8732

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BALDWIN AL
Recording Date	Apr 23, 2021
Property Address	4128 HARBOR RD, ORANGE BEACH, AL 36561-3522
Document Number	0001908097
Map Reference	SL 1366-A&B
Instrument Date	Apr 22, 2021
Instrument	1908097
Transaction Type	Transfer
Record Updated	Apr 16, 2026

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
Address	PO BOX 2970, ORANGE BEACH, AL 36561-2970

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	4128 HARBOR RD, ORANGE BEACH, AL 36561-3522

Mortgage

Document Number	0001908098
Date	Apr 23, 2021
Instrument	1908098

Lender

Name	SYNOVUS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BALDWIN AL
Recording Date	May 13, 2019
Property Address	4128 HARBOR RD, ORANGE BEACH, AL 36561-3522
Document Number	0001759276
Instrument Date	Apr 26, 2019
Instrument	1759276
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	230 LEXINGTON DR, 230, SELMA, AL 36701-8327

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4128 HARBOR RD, ORANGE BEACH, AL 36561-3522

Mortgage

Document Number	0001759277
Date	May 13, 2019
Instrument	1759277

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

March 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BALDWIN AL
Property Address	4128 HARBOR RD, ORANGE BEACH, AL 36561-3522
Document Number	0001719846
Instrument Date	Mar 27, 2018
Transaction Type	Mortgage
Record Updated	Jan 29, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4128 HARBOR RD ORANGE BEACH AL 365613522, ORANGE BEACH, AL 36561-3522

Mortgage

Document Number	0001719846
Date	Sep 14, 2018
Instrument	1719846

Lender

Name	HANCOCK BK
Type	Bank
Address	FLINT, MI 48501-2026

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 13, 2048

Interest

Rate Type	Adjustable Rate
Rate	4%

May 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	BALDWIN AL
Recording Date	May 2, 2017
Property Address	4128 HARBOR RD, ORANGE BEACH, AL 36561-3522
Instrument Date	Apr 28, 2017
Instrument	1630843
Transaction Type	Construction Loan
Record Updated	Aug 18, 2018
Title Company	SURETY LAND AND TITLE COMPANY, SURETY LAND & TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife

Mortgage

Document Number	0001630843
Date	May 2, 2017
Instrument	1630843

Lender

Name	HANCOCK BK
Type	Bank
Address	GULFPORT, MS 39502

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4%

Tax Assessment & Valuation

The 2026 property tax bill for 4128 Harbor Rd was $8,057 with a homeowner's exemption, up 7.1% 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	$8,057.00 (+7.06%) Homeowner's exemption
2025	$7,526.00	$237,120 Land $114,340 Building $122,780	$2,457,300 Land $1,185,000 Building $1,272,300
2023	$6,219.00 (+16.53%) Homeowner's exemption	$196,260 (+17.66%)	$1,962,400 (+17.65%) Land $971,400 Building $991,000
2022	$5,337.00 (+36.5%) Homeowner's exemption	$166,800	$1,668,000 Land $771,400 Building $896,600
2021	$3,910.00

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 4128 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	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	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 4128 Harbor Rd is low, with a 0.03% 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 76% of Alabama
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

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 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

Cell Coverage

5G (outdoors only) and 4G LTE

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