4137 Harbor Rd, Orange Beach, AL 36561 Property Records

Baldwin County property record for 4137 Harbor Rd, Orange Beach, AL 36561

Property Summary

Property Type	Single Family Home
Details	6 bd · 3.5 ba · 2,730 sqft · built 2003
Lot Size	0.215 acres (9,384 sqft)
Owner	Individual Name on Record
Last Sale	$1,200,000 (May 2022)
Tax Bill	$3,766 (2026)
Deeds & Mortgages	May 2022 Sale & Line of Credit Aug 2021 Sale
Flood Zone	Zone AE (high risk)
APN	`65-02-04-4-001-047`

Property Details

APN / Parcel Number

Primary APN	`65-02-04-4-001-047`
Alternative APNs	`114259` `218865` `369268` `502206`

Interior

Bedrooms	6 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	2,730 sqft Heated Area
1st Floor Area	1,820 sqft
Upper Floors Area	1,002 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2022
Exterior Material	Fiber Cement Siding
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
Garage Type	Carport
Carport	Carport
Pool Area	392 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	502206
Street Address	4137 HARBOR RD
City	ORANGE BEACH
State	AL
Zip	36561-3579
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	69.2' X 135.64' LOT 49 TERRY COVE HARBOR SUB SLIDE 1365A - 1367A SEC 4-T9S-R5E (WD-SURVIVORSHIP)
Legal Subdivision	TERRY COVE HARBOR
Legal Lot Number	49
Jurisdiction	BALDWIN AL
Township / Civil Division	FOLEY
Census Block Group	1
Census Block	1015
Census Tract	11414

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	25 SPRUCE VALLEY LN, PIPERTON, TN 38017-5108
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Date	Document
May 12, 2022	Warranty Deed, Transfer · Line of Credit PINNCACLE BANK
Aug 25, 2021	Warranty Deed, Transfer PROFESSIONAL LAND TITLE SERVICES, PROFESSIONAL LAND TITLE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 12, 2022 · Amount on Record
Deed Sale	May 12, 2022 · Amount on Record
Prior Sale	Aug 25, 2021 · Amount on Record
Deed Document Number	20221998495
Record Updated	Oct 29, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BALDWIN AL
Recording Date	May 12, 2022
Property Address	4137 HARBOR RD, ORANGE BEACH, AL 36561-3579
Document Number	0001998495
Instrument Date	May 5, 2022
Instrument	1998495
Transaction Type	Transfer
Record Updated	Apr 16, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	501 RUSSOM DR, FINGER, TN 38334-2033

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	25 SPRUCE VALLEY LN, PIPERTON, TN 38017-5108

Mortgage

Document Number	0001998496
Date	May 12, 2022
Instrument	1998496

Lender

Name	PINNCACLE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	May 8, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BALDWIN AL
Recording Date	Aug 25, 2021
Property Address	4137 HARBOR RD, ORANGE BEACH, AL 36561-3579
Document Number	0001939102
Map Reference	SL 1365-A&1365B&1365
Instrument Date	Aug 20, 2021
Instrument	1939102
Transaction Type	Transfer
Record Updated	Apr 16, 2026
Title Company	PROFESSIONAL LAND TITLE SERVICES, PROFESSIONAL LAND TITLE INC

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2371 NE 25TH ST, LIGHTHOUSE POINT, FL 33064-8344

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	501 BUSSON DRIVE, FINGER, TN 38334
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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	$3,766.00 (+6.99%)
2025	$3,520.00 (+5.58%)	$110,000 (+5.57%) Land $26,320 Building $83,680	$1,177,800 (+13.04%) Land $281,800 Building $896,000
2023	$3,334.00 (-17.41%)	$104,200 (-17.42%)	$1,041,900 (+65.15%) Land $213,800 Building $828,100
2022	$4,037.00 (+1.46%)	$126,180	$630,900 Land $167,200 Building $463,700
2021	$3,979.00

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

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 Record 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

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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