Baldwin County property record for 45 Echo Ln, Fairhope, AL 36532
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,933 sqft · built 1986 |
| Lot Size | 1.17 acres (51,070 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $195,468 (Dec 2013) |
| Tax Bill | $2,276 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 46-04-19-4-000-009.071 |
| Primary APN | 46-04-19-4-000-009.071 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,933 sqft Heated Area |
| 1st Floor Area | 1,585 sqft |
| Upper Floors Area | 348 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 51,070 sqft (1.17 acres) |
| Lot Dimensions | 130 ft deep x 125 ft wide |
| Pool Area | 512 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 314733 |
|---|---|
| Street Address | 45 ECHO LN |
| City | FAIRHOPE |
| State | AL |
| Zip | 36532-1456 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 125' X 130'(S) IRR LOT 12 UNIT 4 COVERED BRIDGE ESTATES MB12 PG115 AND THE W40' OF LOT 17 UNIT 2 COVERED BRIDGE ESTATESIN THE |
| Legal Subdivision | COVERED BRIDGE ESTATES |
| Legal Block | U-4 |
| Legal Lot Number | 12-17 |
| Legal Unit | 4,2 |
| Jurisdiction | BALDWIN AL |
| Township / Civil Division | FAIRHOPE |
| Census Block Group | 2 |
| Census Block | 2038 |
| Census Tract | 11202 |
Source: Baldwin County records, as of April 16, 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 | 45 ECHO LN, FAIRHOPE, AL 36532-1456 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 26, 2013 · Amount on Record |
| Deed Sale | Dec 26, 2013 · Amount on Record |
| Prior Sale | Dec 13, 2007 |
| Deed Document Number | 20131435077 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BALDWIN AL |
| Property Address | 45 ECHO LN, FAIRHOPE, AL 36532-1456 |
| Transaction Type | Mortgage |
| Record Updated | Oct 21, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0001900594 |
|---|---|
| Date | Mar 25, 2021 |
| Instrument | 1900594 |
| Name | RUSHMORE LOAN MANAGEMENT SERVICES LLC |
|---|---|
| Type | Lending Institution |
| Address | IRVINE, CA 92618 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 274 Months |
| Due | Jan 1, 2044 |
Source: Baldwin County assessment roll, as of April 16, 2026
| Type | Name |
|---|---|
| State | Alabama |
| County | Baldwin County |
| Municipality | Fairhope City |
| Unified School District | Baldwin County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,276.00 (+15.77%) | $50,460 (+15.42%) Land $20,280 Building $30,180 | $504,600 (+15.44%) Land $202,800 Building $301,800 |
| 2023 | $1,966.00 (+16.54%) Homeowner's exemption | $43,720 (+16.09%) | $437,100 (+16.1%) Land $193,200 Building $243,900 |
| 2022 | $1,687.00 (+12.24%) Homeowner's exemption | $37,660 | $376,500 Land $178,200 Building $198,300 |
| 2021 | $1,503.00 |
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.
Source: FEMA National Flood Hazard Layer, effective September 27, 2020 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 115 individual policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 252 units insured incl. 137 condo units |
| Nearby Flood Claims | 129 (1978–2020) |
| Claims Outside the SFHA | 24 of 129 |
| Most Recent Claim | Sep 2020 · tidal / storm surge |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 72% of the US · above 94% of Alabama |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF FAIRHOPE serves 59,850 people · EPA ID AL0000035 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2025 |
| Lead | 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 4 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.
Source: FCC Broadband Data Collection, based on 112 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Xtream Cable · Fiber in parts of the area | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T DSL · Fiber, Fixed Wireless in parts of the area | 100 / 20 |
May also be available: C Spire Wireless, T-Mobile.
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