4131 Harbor Rd, Orange Beach, AL 36561 Property Records

Baldwin County property record for 4131 Harbor Rd, Orange Beach, AL 36561

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,616 sqft · built 1999
Lot Size	0.215 acres (9,384 sqft)
Owner	Individual Name on File
Tax Bill	$2,698 (2026)
Deeds & Mortgages	Mar 2023 Line of Credit Jul 2019 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`65-02-04-4-001-044`

Property Details

APN / Parcel Number

Primary APN	`65-02-04-4-001-044`
Alternative APNs	`114268` `361319`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	3 Stories
Building Area	2,616 sqft Heated Area
1st Floor Area	2,000 sqft
Upper Floors Area	616 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Stucco
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	9,384 sqft (0.215 acres)
Lot Dimensions	135 ft deep x 69.2 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	361319
Street Address	4131 HARBOR RD
City	ORANGE BEACH
State	AL
Zip	36561-3579
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	69.2' X 135.6' LOT 46 TERRY COVE HARBOR SUB LYING IN CITY OF ORANGE BEACH SLIDE 1365A - 1367A SEC 4-T9S-R5E (WD/SURVIVORSHIP)
Legal Subdivision	TERRY COVE HARBOR
Legal Lot Number	46
Jurisdiction	BALDWIN AL
Township / Civil Division	FOLEY
Census Block Group	1
Census Block	1015
Census Tract	11414

Owner

4131 Harbor Rd is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	4131 HARBOR RD, ORANGE BEACH, AL 36561-3579
Occupancy	Owner Occupied
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

Date	Document
Mar 28, 2023	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Jul 30, 2019	Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALDWIN AL
Property Address	4131 HARBOR RD, ORANGE BEACH, AL 36561-3579
Transaction Type	Mortgage
Record Updated	Apr 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4131 HARBOR RD, ORANGE BEACH, AL 36561-3579

Mortgage

Document Number	0002054441
Date	Mar 28, 2023
Instrument	2054441

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2043

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BALDWIN AL
Recording Date	Jul 30, 2019
Property Address	4131 HARBOR RD, ORANGE BEACH, AL 36561-3579
Document Number	0001774715
Instrument Date	Jul 25, 2019
Instrument	1774715
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 from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9403 EILAND DR, 9403, FOLEY, AL 36535-0032

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	9131 HARBER ROAD, ORANGE BEACH, AL 36361

Mortgage

Document Number	0001774716
Date	Jul 30, 2019
Instrument	1774716

Lender

Name	REGIONS BANK
Type	Bank

Agreement

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

Tax Assessment & Valuation

The 2026 property tax bill for 4131 Harbor Rd was $2,698 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	$2,698.00 (+7.06%) Homeowner's exemption
2025	$2,520.00	$80,660 Land $26,320 Building $54,340	$863,700 Land $281,800 Building $581,900
2023	$2,448.00 (+20.29%)	$76,500 (+20.28%)	$765,000 (+20.3%) Land $213,800 Building $551,200
2022	$2,035.00 (+39%)	$63,600	$635,900 Land $167,200 Building $468,700
2021	$1,464.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4131 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 4131 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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