522 3rd St, Fairhope, AL 36532 Property Records

Baldwin County property record for 522 3rd St, Fairhope, AL 36532

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,722 sqft · built 2023
Lot Size	0.328 acres (14,280 sqft)
Owner	Individual Name on File
Last Sale	$275,000 (Sep 2022)
Tax Bill	$4,343 (2026)
Deeds & Mortgages	Jan 2017 Mortgage Sep 2022 Sale & Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`46-03-37-0-014-167.015`

Property Details

APN / Parcel Number

Primary APN	`46-03-37-0-014-167.015`
Alternative APNs	`515758` `228679` `93014`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,722 sqft Heated Area
1st Floor Area	2,367 sqft
Upper Floors Area	1,184 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Pier/Post & Beam
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	14,280 sqft (0.328 acres)
Lot Dimensions	160 ft deep x 75 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	515758
Street Address	522 3RD ST
City	FAIRHOPE
State	AL
Zip	36532-1425
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 WINS-FIELD SUB SLIDE 2231-B RESUB OF LOT 1 & 2 INS-FIELD PLACE SUB SLIDE 2153-B AND LOT 12 HUCKNALL WOODS SUB (A RESUB
Legal Subdivision	WINS-FIELD
Legal Block	48
Legal Lot Number	3-12
Jurisdiction	BALDWIN AL
Township / Civil Division	FAIRHOPE
Census Block Group	2
Census Block	2035
Census Tract	11202

Owner

522 3rd St is owned and occupied by an individual who bought it in September 2022.

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

Owner of Record	Individual Name on File
Mailing Address	501 S CHURCH ST, FAIRHOPE, AL 36532-1412
Occupancy	Owner Occupied
Owner Type	Individual

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
Jan 31, 2017	Deed of Trust, Mortgage FIRST BANK AND TRUST
Sep 12, 2022	Warranty Deed, Transfer · Construction Mortgage SOUTH STATE BANK NA
Jan 26, 2022	Warranty Deed, Transfer
Oct 8, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 12, 2022 · Amount on File
Deed Sale	Sep 12, 2022 · Amount on File
Prior Sale	Jan 26, 2022 · Amount on File
Deed Document Number	2022854
Prior Transfer Date	Jan 26, 2006
Prior Transfer Doc	0000952510
Record Updated	Oct 29, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALDWIN AL
Property Address	522 3RD ST, FAIRHOPE, AL 36532-1425
Transaction Type	Mortgage
Record Updated	Sep 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001615641
Date	Jan 31, 2017
Instrument	1615641

Lender

Name	FIRST BANK AND TRUST
Type	Non-Lending Institution
Address	NEW ORLEANS, LA 70126

Agreement

Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Index	3-Year CMT

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BALDWIN AL
Recording Date	Sep 12, 2022
Property Address	522 3RD ST, FAIRHOPE, AL 36532-1425
Document Number	0002022854
Map Reference	SL 2231-B
Instrument Date	Sep 7, 2022
Instrument	2022854
Transaction Type	Transfer
Record Updated	Aug 3, 2023

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	501 S CHURCH ST, FAIRHOPE, AL 36532-1412

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	501 S CHURCH ST, FAIRHOPE, AL 36532-1412

Mortgage

Document Number	0002022855
Date	Sep 12, 2022
Instrument	2022855

Lender

Name	SOUTH STATE BANK NA
Type	Bank
Address	CHARLESTON, SC 29406

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2029
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	6.75%
Index	1-Year CMT
Max Rate	10.7%

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BALDWIN AL
Recording Date	Jan 26, 2022
Property Address	522 3RD ST, FAIRHOPE, AL 36532-1425
Document Number	0001973744
Map Reference	SL 2231-B
Instrument Date	Jan 20, 2022
Instrument	1973744
Transaction Type	Transfer
Record Updated	May 30, 2023

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10606 TOM HIGHWAY, PIKE ROAD, AL 36064

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	501 S CHURCH ST, FAIRHOPE, AL 36532-1412

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BALDWIN AL
Recording Date	Oct 8, 2019
Property Address	522 3RD ST, FAIRHOPE, AL 36532-1425
Document Number	0001788403
Instrument Date	Sep 20, 2019
Instrument	1788403
Transaction Type	Transfer
Record Updated	Oct 18, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$185.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1477 RITTENOUR RD PIKE ROAD AL 360641704, PIKE ROAD, AL 36064-1704

Tax Assessment & Valuation

The 2026 property tax bill for 522 3rd St was $4,343 with a homeowner's exemption, up 4.8% from the year before.

Source: Baldwin County assessment roll, as of April 16, 2026

Property Jurisdictions

Type	Name
State	Alabama
County	Baldwin County
Municipality	Fairhope City
Unified School District	Baldwin County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,343.00 (+4.83%) Homeowner's exemption
2025	$4,143.00	$91,060 Land $28,220 Building $62,840	$910,500 Land $282,200 Building $628,300
2023	$1,237.00 (-45.89%)	$26,900 (-45.88%)	$269,000 (+8.25%) Land $269,000
2022	$2,286.00 (+25.54%)	$49,700	$248,500 Land $248,500
2021	$1,821.00

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 522 3rd St in Zone X, an area of minimal flood risk, though there have been 129 flood claims nearby since 1978.

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 File 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	Hurricane Katrina, Aug 2005 · 60 claims Hurricane Ivan, Sep 2004 · 15 claims Hurricane Georges, Sep 1998 · 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 522 3rd St is moderate, ranking above 60% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 60% of the US · above 78% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 421 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
C Spire Wireless Fiber	8,000 / 8,000
AT&T Fiber · DSL	5,000 / 5,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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