4138 Harbor Rd, Orange Beach, AL 36561 Property Records

Baldwin County property record for 4138 Harbor Rd, Orange Beach, AL 36561

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,674 sqft · built 1999
Lot Size	0.159 acres (6,941 sqft)
Owner	Individual Name on File
Tax Bill	$2,180 (2026)
Deeds & Mortgages	Aug 2021 Line of Credit Feb 2021 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`65-02-04-4-001-059`

Property Details

APN / Parcel Number

Primary APN	`65-02-04-4-001-059`
Alternative APNs	`114293` `180752`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,674 sqft Heated Area
1st Floor Area	1,544 sqft
Upper Floors Area	1,130 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Fiber Cement Siding
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	6,941 sqft (0.159 acres)
Lot Dimensions	130 ft deep x 70 ft wide
View / Lot	Waterfront / Beach
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	180752
Street Address	4138 HARBOR RD
City	ORANGE BEACH
State	AL
Zip	36561-3522
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	69.2' X 100.3' IRR LOT 60 TERRY COVE HARBOR SUB SLIDE 1365A-1366B IN THE CITY OF ORANGE BEACH SEC 4-T9S-R5E (WD/SURVIVORSHIP)
Legal Subdivision	TERRY COVE HARBOR
Legal Lot Number	60
Jurisdiction	BALDWIN AL
Township / Civil Division	FOLEY
Census Block Group	1
Census Block	1015
Census Tract	11414

Owner

4138 Harbor Rd is owned and occupied by an individual who acquired it in February 2010.

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

Owner of Record	Individual Name on File
Mailing Address	4138 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
Aug 2, 2021	Deed of Trust, Mortgage · Line of Credit BRYANT BANK
Feb 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage BRYANT BANK
Sep 7, 2018	Grant Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Feb 1, 2010
Transfer Doc	0001218190
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALDWIN AL
Property Address	4138 HARBOR RD, ORANGE BEACH, AL 36561-3522
Transaction Type	Mortgage
Record Updated	Apr 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001932985
Date	Aug 2, 2021
Instrument	1932985

Lender

Name	BRYANT BANK
Type	Bank
Address	ITMANN, WV 24847

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALDWIN AL
Property Address	4138 HARBOR RD, ORANGE BEACH, AL 36561-3522
Transaction Type	Mortgage
Record Updated	Apr 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001892224
Date	Feb 22, 2021
Instrument	1892224

Lender

Name	BRYANT BANK
Type	Bank
Address	BIRMINGHAM, AL 35209

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2036

September 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BALDWIN AL
Recording Date	Sep 7, 2018
Property Address	4138 HARBOR RD, ORANGE BEACH, AL 36561-3522
Document Number	0001718706
Instrument Date	Sep 7, 2018
Instrument	1718706
Transaction Type	Transfer
Record Updated	Sep 20, 2018

Transaction

Amount	Amount on Record
Tax	$214.50

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	PO BOX 489 ORANGE BEACH AL 365610489, ORANGE BEACH, AL 36561-0489

Tax Assessment & Valuation

The 2026 property tax bill for 4138 Harbor Rd was $2,180 with exemptions applied, down 52.4% 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	$2,180.00 (-52.36%) Homeowner's exemption Senior Citizen's exemption
2025	$4,576.00	$180,840 Land $118,500 Building $62,340	$1,808,300 Land $1,185,000 Building $623,300
2023	$3,697.00 (+15.5%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$146,360 (+15.32%)	$1,463,400 (+15.3%) Land $971,400 Building $492,000
2022	$3,201.00 (+24.7%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$126,920	$1,269,200 Land $771,400 Building $497,800
2021	$2,567.00

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

Flood

FEMA maps place 4138 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 4138 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

Nearby Properties on Harbor Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures