201 ENGLISH VILLAGE CIR, GARDENDALE, AL 35071-3302
Mortgage
Document Number
0002019961
Date
Aug 25, 2022
Instrument
2019961
Lender
Name
SOUTHERN FIDELITY MORTGAGE LLC
Type
Mortgage Company
Agreement
Type
Conventional Mortgage
Amount
Amount on Record
Term
361 Months
Due
Sep 1, 2052
Tax Assessment & Valuation
The 2026 property tax bill for 5107 Pine Way was $1,169 with a homeowner's exemption, up 7.3% 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
$1,169.00 (+7.35%)Homeowner's exemption
2025
$1,089.00 (+7.4%)
$35,960 (+6.96%)Land $11,920Building $24,040
$386,700 (+15.06%)Land $128,100Building $258,600
2024
$1,014.00 (-6.2%)Homeowner's exemption
$33,620 (-0.53%)Land $10,920Building $22,700
$336,100 (-0.53%)Land $109,200Building $226,900
2023
$1,081.00 (+19.05%)
$33,800 (+19.1%)
$337,900 (+19.06%)Land $97,200Building $240,700
2022
$908.00 (+39.91%)
$28,380
$283,800Land $76,200Building $207,600
2021
$649.00
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 5107 Pine Way in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.
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 moderate risk
500-Year Floodplain
Yes 0.2% annual chance
Nearest Special Flood Hazard Area
Zone AE, within 100 ft
Flood Insurance Requirement
Not required lenders may require it
Flood Insurance Cost
Premium on File median of 261 individual policies
Community Rating System
Class 6 (20% premium discount)
Nearby Flood Policies
628 units insured incl. 367 condo units
Nearby Flood Claims
151 (2004–2020)
Claims Outside the SFHA
5 of 151
Most Recent Claim
Sep 2020 · tidal / storm surge
Claims by Event
Hurricane Sally, Sep 2020 · 134 claims
Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Apr 2014 · 6 claims
Hurricane Ivan, Sep 2004 · 5 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 5107 Pine Way is moderate, ranking above 58% of the US, with a 0.09% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
Wildfire Risk
Moderate above 58% of the US · above 74% of Alabama
Wildfire Likelihood
0.09% annual chance
Exposure
Indirect within 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 161 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 · Fiber in parts of the area
1,000 / 50
Verizon Fixed Wireless
300 / 20
T-Mobile Fixed Wireless
100 / 20
May also be available: Brightspeed, C Spire Wireless.