5286 Turtle Key Dr, Orange Beach, AL 36561 Property Records

Baldwin County property record for 5286 Turtle Key Dr, Orange Beach, AL 36561

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,315 sqft · built 1997
Lot Size	0.316 acres (13,770 sqft)
Owner	2 Individual Names on Record
Last Sale	$423,500 (Jul 2024)
Tax Bill	$2,178 (2026)
Deeds & Mortgages	Sep 2018 Line of Credit May 2017 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`63-08-33-0-000-001.227`

Property Details

APN / Parcel Number

Primary APN	`63-08-33-0-000-001.227`
Alternative APNs	`113652` `338114` `550790`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	3 Stories
Building Area	2,315 sqft Heated Area
1st Floor Area	1,316 sqft
Upper Floors Area	999 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2013
Exterior Material	Stucco
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	13,770 sqft (0.316 acres)
Lot Dimensions	229 ft deep x 60 ft wide
View / Lot	Waterfront / Beach

Exterior Amenities

Deck Area	216 sqft
Patio Area	216 sqft
Boat Access	Boat Access
Boat House	264 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	550790
Street Address	5286 TURTLE KEY DR
City	ORANGE BEACH
State	AL
Zip	36561-5732
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 18 TURTLE KEY SUB UNIT 3 SLIDE 1379-B
Legal Subdivision	TURTLE KEY SUBDIVISION
Legal Lot Number	18
Legal Unit	3
Jurisdiction	BALDWIN AL
Township / Civil Division	FOLEY
Census Block Group	1
Census Block	1004
Census Tract	11415

Owner

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	2 Individual Names on Record
Mailing Address	5286 TURTLE KEY DR, ORANGE BEACH, AL 36561-5732
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2018	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BK
May 2, 2017	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 25, 2024 · Amount on Record
Deed Sale	Jul 25, 2024 · Amount on Record
Prior Sale	May 2, 2017
Deed Document Number	20242137405
Prior Transfer Date	Jul 24, 2024
Prior Transfer Doc	0002137405
Record Updated	Oct 29, 2026

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALDWIN AL
Property Address	5286 TURTLE KEY DR, ORANGE BEACH, AL 36561-5732
Document Number	0001722785
Instrument Date	Sep 24, 2018
Transaction Type	Mortgage
Record Updated	Jan 16, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5286 TURTLE KEY DR ORANGE BEACH AL 365615732, ORANGE BEACH, AL 36561-5732

Mortgage

Document Number	0001722785
Date	Oct 2, 2018
Instrument	1722785

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2048

Interest

Rate Type	Adjustable Rate

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BALDWIN AL
Recording Date	May 2, 2017
Property Address	5286 TURTLE KEY DR, ORANGE BEACH, AL 36561-5732
Document Number	0001630895
Instrument Date	Apr 28, 2017
Instrument	1630895
Transaction Type	Transfer
Record Updated	May 9, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$114.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6616 NORFOLK AVE LUBBOCK TX 794135903, LUBBOCK, TX 79413-5903

Mortgage

Document Number	1630896
Date	May 2, 2017
Instrument	1630896

Lender

Name	WELLS FARGO BK
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,178.00 (+13.91%) Homeowner's exemption
2025	$1,912.00 (-19.29%)	$69,920 (-17.37%) Land $31,500 Building $38,420	$699,200 (-17.36%) Land $315,000 Building $384,200
2023	$2,369.00 (+3.22%)	$84,620 (+3.22%)	$846,100 (+3.22%) Land $273,200 Building $572,900
2022	$2,295.00 (+49.8%)	$81,980	$819,700 Land $279,700 Building $540,000
2021	$1,532.00

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

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	8.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 840 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	5,049 units insured incl. 4,209 condo units
Nearby Flood Claims	529 (1995–2020)
Claims Outside the SFHA	30 of 529
Most Recent Claim	Nov 2020 · tidal / storm surge
Claims by Event	Hurricane Sally, Sep 2020 · 417 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Apr 2014 · 33 claims Hurricane Ivan, Sep 2004 · 55 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

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

Wildfire Risk	Low lower than 64% of the US · lower than 78% of Alabama
Wildfire Likelihood	0.03% 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	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 119 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
C Spire Wireless Fiber	8,000 / 8,000
Mediacom Xtream Cable	1,000 / 50

May also be available: Verizon.

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