604 Bay Bluff E, Daphne, AL 36526 Property Records

Baldwin County property record for 604 Bay Bluff E, Daphne, AL 36526

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,582 sqft · built 1990
Lot Size	0.534 acres (23,282 sqft)
Owner	Individual Name on File
Tax Bill	$1,002 (2025)
Deeds & Mortgages	Jan 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`43-09-42-0-001-011.008`

Property Details

APN / Parcel Number

Primary APN	`43-09-42-0-001-011.008`
Alternative APNs	`040279` `92656` `40279`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,582 sqft Heated Area
1st Floor Area	2,582 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	23,282 sqft (0.534 acres)
Lot Dimensions	232 ft deep x 100 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	40279
Street Address	604 BAY BLF E
City	DAPHNE
State	AL
Zip	36526-4058
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	100'X232.82' IRR LOT 9 OAK BLUFF ESTATES UNIT 3 SLIDE 1177-AGR SEC42-5-2
Legal Subdivision	OAK BLUFF ESTATES
Legal Block	U-3
Legal Lot Number	9
Legal Unit	3
Jurisdiction	BALDWIN AL
Township / Civil Division	DAPHNE
Census Block Group	2
Census Block	2005
Census Tract	10800

Owner

Source: Baldwin County records · APN 43-09-42-0-001-011.008

Assessment roll updated April 16, 2026 · Last verified April 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 File
Mailing Address	604 BAY BLF E, DAPHNE, AL 36526-4058
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Updated	Jun 08, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALDWIN AL
Property Address	604 BAY BLF E, DAPHNE, AL 36526-4058
Transaction Type	Mortgage
Record Updated	Jan 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	604 BAY BLF E, DAPHNE, AL 36526-4058

Mortgage

Document Number	0002043254
Date	Jan 18, 2023
Instrument	2043254

Lender

Name	THE FIRST A NATIONAL BANKING ASSN
Type	Bank
Address	FAIRHOPE, AL 36532

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Jan 26, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Baldwin County records · Assessment roll updated April 16, 2026 · Last verified April 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,002.00	$25,860 (-) Land $9,560 Building $16,300	$468,500 (+26.93%) Land $186,200 Building $282,300
2023	$1,002.00 (+8.44%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$25,860 (-20.92%)	$369,100 (+12.91%) Land $117,600 Building $251,500
2022	$924.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$32,700	$326,900 Land $120,800 Building $206,100
2021	$924.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 27, 2020 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 66 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	66 in force
Nearby Flood Claims	84 (1979–2024)
Claims Outside the SFHA	25 of 84
Most Recent Claim	May 2024 · rainfall accumulation
Claims by Event	Hurricane Katrina, Aug 2005 · 32 claims Hurricane Ivan, Sep 2004 · 8 claims Hurricane Georges, Sep 1998 · 15 claims

Wildfire

Wildfire Risk	Moderate above 62% of the US · above 80% of Alabama
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Telapex Fiber	8,000 / 8,000
AT&T Fiber · DSL	5,000 / 5,000
Mediacom Communications Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 160 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CITY OF DAPHNE, UTILITIES BOARD OF THE serves 33,372 people
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	5 last 3 years

Results are for the whole water system as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.