Baldwin County property record for 520 Concord Dr, Fairhope, AL 36532
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,917 sqft · built 1982 |
| Lot Size | 0.378 acres (16,469 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $2,065 (2026) |
| Deeds & Mortgages | Mar 2024 Line of Credit Nov 2021 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 46-03-08-0-002-043.015 |
| Primary APN | 46-03-08-0-002-043.015 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,917 sqft Heated Area |
| 1st Floor Area | 1,917 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1982 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 16,469 sqft (0.378 acres) |
| Lot Dimensions | 46 ft deep x 187 ft wide |
| Utility Building | 172 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 349197 |
|---|---|
| Street Address | 520 CONCORD DR |
| City | FAIRHOPE |
| State | AL |
| Zip | 36532-3124 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 187'(S)X46'(S)IRR S139' OF LOT 16 RICHMOND SQUARE MB11 PG4GR SEC8 T6S R2E (WD/SURVIVORSHIP) |
| Legal Subdivision | RICHMOND SQUARE |
| Legal Lot Number | 16 |
| Jurisdiction | BALDWIN AL |
| Township / Civil Division | FAIRHOPE |
| Census Block Group | 1 |
| Census Block | 1037 |
| Census Tract | 11201 |
Source: Baldwin County records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 520 CONCORD DR, FAIRHOPE, AL 36532-3124 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Al (and Others) |
| Date | Document |
|---|---|
| Mar 28, 2024 | Deed of Trust, Mortgage · Line of Credit SMARTBANK |
| Nov 1, 2021 | Deed of Trust, Mortgage · Line of Credit SOUTH STATE BANK NA |
| Oct 7, 2019 | Deed of Trust, Mortgage · Conventional Mortgage FIRSTBANK |
| Sep 20, 2018 | Warranty Deed, Transfer · Conventional Mortgage FIRSTBANK |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BALDWIN AL |
| Property Address | 520 CONCORD DR, FAIRHOPE, AL 36532-3124 |
| Transaction Type | Mortgage |
| Record Updated | Apr 10, 2024 |
| Name | Verified Name |
|---|---|
| Address | 520 CONCORD DR, FAIRHOPE, AL 36532-3124 |
| Document Number | 0002115121 |
|---|---|
| Date | Mar 28, 2024 |
| Instrument | 2115121 |
| Name | SMARTBANK |
|---|---|
| Type | Bank |
| Address | JACKSON, AL 36545 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BALDWIN AL |
| Property Address | 520 CONCORD DR, FAIRHOPE, AL 36532-3124 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2021 |
| Name | Verified Name |
|---|---|
| Address | 520 CONCORD DR, FAIRHOPE, AL 36532-3124 |
| Document Number | 0001954971 |
|---|---|
| Date | Nov 1, 2021 |
| Instrument | 1954971 |
| Name | SOUTH STATE BANK NA |
|---|---|
| Type | Bank |
| Address | WINTER HAVEN, FL 33880 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BALDWIN AL |
| Property Address | 520 CONCORD DR, FAIRHOPE, AL 36532-3124 |
| Document Number | 0001798011 |
| Instrument Date | Oct 7, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 17, 2019 |
| Title Company | STEWART TITLE, STEWART TITLE GUARANTY CO |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 520 CONCORD DR FAIRHOPE AL 365323124, FAIRHOPE, AL 36532-3124 |
| Document Number | 0001798011 |
|---|---|
| Date | Dec 2, 2019 |
| Instrument | 1798011 |
| Name | FIRSTBANK |
|---|---|
| Type | Bank |
| Address | FRANKLIN, TN 37067 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BALDWIN AL |
| Recording Date | Sep 20, 2018 |
| Property Address | 520 CONCORD DR, FAIRHOPE, AL 36532-3124 |
| Document Number | 0001720758 |
| Instrument Date | Sep 14, 2018 |
| Instrument | 1720758 |
| Transaction Type | Transfer |
| Record Updated | Oct 15, 2018 |
| Title Company | STEWART TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $55.50 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 520 CONCORD DR FAIRHOPE AL 365323124, FAIRHOPE, AL 36532-3124 |
| Document Number | 1720759 |
|---|---|
| Date | Sep 20, 2018 |
| Instrument | 1720759 |
| Name | FIRSTBANK |
|---|---|
| Type | Bank |
| Address | FRANKLIN, TN 37067 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 19, 2048 |
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 |
|---|---|---|---|
| 2026 | $2,065.00 (+7.11%) Homeowner's exemption | ||
| 2025 | $1,928.00 (+15.45%) | $42,900 (+15.01%) Land $18,960 Building $23,940 | $437,600 (+17.38%) Land $193,400 Building $244,200 |
| 2023 | $1,670.00 (+15.01%) Homeowner's exemption | $37,300 (+14.56%) | $372,800 (+14.5%) Land $176,400 Building $196,400 |
| 2022 | $1,452.00 (+11.52%) Homeowner's exemption | $32,560 | $325,600 Land $151,200 Building $174,400 |
| 2021 | $1,302.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 23 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 23 in force |
| Nearby Flood Claims | 28 (1979–2020) |
| Claims Outside the SFHA | 10 of 28 |
| Most Recent Claim | Sep 2020 · Hurricane Sally |
| 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 | Moderate above 58% of the US · above 74% of Alabama |
|---|---|
| Wildfire Likelihood | 0.2% 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 170 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Mediacom Xtream Cable · Fiber in parts of the area | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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