4132 Harbor Rd, Orange Beach, AL 36561 Property Records

Baldwin County property record for 4132 Harbor Rd, Orange Beach, AL 36561

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 4,226 sqft · built 2009
Lot Size	0.166 acres (7,252 sqft)
Owner	Individual Name on File
Last Sale	$1,425,000 (Dec 2020)
Tax Bill	$7,223 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Sep 2017 Line of Credit + 1 more
Flood Zone	Zone AE (high risk)
APN	`65-02-04-4-001-062`

Property Details

APN / Parcel Number

Primary APN	`65-02-04-4-001-062`
Alternative APNs	`114317` `265044` `42946`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	4,226 sqft Heated Area
1st Floor Area	2,008 sqft
Upper Floors Area	2,218 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	7,252 sqft (0.166 acres)
Lot Dimensions	130 ft deep x 70 ft wide
Pool Area	200 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	265044
Street Address	4132 HARBOR RD
City	ORANGE BEACH
State	AL
Zip	36561-3522
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	69.6' X 104.2' IRR LOT 63 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	63
Jurisdiction	BALDWIN AL
Township / Civil Division	FOLEY
Census Block Group	1
Census Block	1015
Census Tract	11414

Owner

4132 Harbor Rd is owned and occupied by an individual who bought it in December 2020.

Source: Baldwin County records, as of April 16, 2026

Owner of Record	Individual Name on File
Mailing Address	4132 HARBOR RD, ORANGE BEACH, AL 36561-3522
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 29, 2021	Deed of Trust, Mortgage · ARM MORGAN STANLEY PRIVATE BANK NA
Sep 25, 2017	Deed of Trust, Mortgage · Line of Credit MUTUAL SAVINGS CU
Dec 9, 2020	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 9, 2020 · Amount on File
Deed Sale	Dec 9, 2020 · Amount on File
Deed Document Number	20201876073
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALDWIN AL
Property Address	4132 HARBOR RD, ORANGE BEACH, AL 36561-3522
Transaction Type	Mortgage
Record Updated	Apr 16, 2026
Title Company	ATTORNEYS KEY TITLE LLC, ATTORNEYS TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0001901539
Date	Mar 29, 2021
Instrument	1901539

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank
Address	CINCINNATI, OH 45245

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.2%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2028
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	7.2%
Index	Other
Margin	3
Max Rate	7.2%

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALDWIN AL
Property Address	4132 HARBOR RD, ORANGE BEACH, AL 36561-3522
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001657467
Date	Sep 25, 2017
Instrument	1657467

Lender

Name	MUTUAL SAVINGS CU
Type	Credit Union
Address	BIRMINGHAM, AL 35246

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Sep 13, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BALDWIN AL
Recording Date	Dec 9, 2020
Property Address	4132 HARBOR RD, ORANGE BEACH, AL 36561-3522
Document Number	0001876073
Instrument Date	Dec 4, 2020
Instrument	1876073
Transaction Type	Transfer
Record Updated	Jan 7, 2021
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1742 RIVER RIDGE DR SPRING VALLEY OH 453709777, SPRING VALLEY, OH 45370-9777

Tax Assessment & Valuation

The 2025 property tax bill for 4132 Harbor Rd was $7,223.

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
2025	$7,223.00	$225,720 Land $114,240 Building $111,480	$2,341,500 Land $1,185,000 Building $1,156,500
2023	$6,035.00 (-36.71%)	$188,600 (-36.71%)	$1,885,900 (+26.58%) Land $971,400 Building $914,500
2022	$9,535.00 (+146.51%)	$297,980	$1,489,900 Land $771,400 Building $718,500
2021	$3,868.00

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 4132 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 4132 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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