65 Echo Ln, Fairhope, AL 36532 Property Records

Baldwin County property record for 65 Echo Ln, Fairhope, AL 36532

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,644 sqft · built 1988
Lot Size	1.17 acres (51,070 sqft)
Owner	Individual Name on File
Last Sale	$370,000 (Aug 2021)
Tax Bill	$1,937 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Aug 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`46-04-19-4-000-009.061`

Property Details

APN / Parcel Number

Primary APN	`46-04-19-4-000-009.061`
Alternative APNs	`382995` `226909` `76007`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,644 sqft Heated Area
1st Floor Area	1,644 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2022
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	51,070 sqft (1.17 acres)
Lot Dimensions	119 ft deep x 85 ft wide
Garage Type	Carport
Garage Area	400 sqft
Carport	Carport
Carport Area	400 sqft
Parking Spaces	2 Parking Spaces
Utility Building	160 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	382995
Street Address	65 ECHO LN
City	FAIRHOPE
State	AL
Zip	36532-1456
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	85' X 119.5' IRR LOT 2 UNIT4 COVERED BRIDGE ESTATES MB12 PG115 IN THE CITY OF FAIRHOPE SEC 19-T6S-R2E (WD/SURVIVORSHIP)
Legal Subdivision	COVERED BRIDGE ESTATES
Legal Block	U-4
Legal Lot Number	2
Jurisdiction	BALDWIN AL
Township / Civil Division	FAIRHOPE
Census Block Group	2
Census Block	2038
Census Tract	11202

Owner

Source: Baldwin County assessment roll, as of April 16, 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	65 ECHO LN, FAIRHOPE, AL 36532-1456
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Date	Document
Jan 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF ENGLAND
Aug 27, 2021	Warranty Deed, Transfer · Conventional Mortgage FIRST HORIZON BANK
May 29, 2019	Deed of Trust, Mortgage BANK OF ENGLAND
Nov 2, 2018	Warranty Deed, Transfer · Conventional with PMI BANK OF ENGLAND

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 27, 2021 · Amount on Record
Deed Sale	Aug 27, 2021 · Amount on Record
Prior Sale	Nov 2, 2018 · Amount on Record
Deed Document Number	20211939425
Record Updated	Jun 8, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALDWIN AL
Property Address	65 ECHO LN, FAIRHOPE, AL 36532-1456
Transaction Type	Mortgage
Record Updated	Oct 20, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001882420
Date	Jan 8, 2021
Instrument	1882420

Lender

Name	BANK OF ENGLAND
Type	Bank
Address	LITTLE ROCK, AR 72201

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BALDWIN AL
Recording Date	Aug 27, 2021
Property Address	65 ECHO LN, FAIRHOPE, AL 36532-1456
Document Number	0001939425
Map Reference	MB 12 PG 115
Instrument Date	Aug 20, 2021
Instrument	1939425
Transaction Type	Transfer
Record Updated	Jun 29, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	65 ECHOL LANE, FAIRHOPE, AL 36532-1456

Mortgage

Document Number	0001939426
Date	Aug 27, 2021
Instrument	1939426

Lender

Name	FIRST HORIZON BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2036

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALDWIN AL
Property Address	65 ECHO LN, FAIRHOPE, AL 36532-1456
Document Number	0001764755
Instrument Date	May 29, 2019
Transaction Type	Mortgage
Record Updated	Jun 21, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	65 ECHO LN FAIRHOPE AL 365321456, FAIRHOPE, AL 36532-1456

Mortgage

Document Number	0001764755
Date	Jun 11, 2019
Instrument	1764755

Lender

Name	BANK OF ENGLAND
Type	Bank
Address	LITTLE ROCK, AR 72201

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 10, 2049

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BALDWIN AL
Recording Date	Nov 2, 2018
Property Address	65 ECHO LN, FAIRHOPE, AL 36532-1456
Document Number	0001728129
Instrument Date	Sep 25, 2018
Instrument	1728129
Transaction Type	Transfer
Record Updated	Mar 28, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$11.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 LAUREL AVE FAIRHOPE AL 365321108, FAIRHOPE, AL 36532-1108

Mortgage

Document Number	1728130
Date	Nov 2, 2018
Instrument	1728130

Lender

Name	BANK OF ENGLAND
Type	Bank
Address	LITTLE ROCK, AR 72201

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2048

Tax Assessment & Valuation

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
2025	$1,937.00 (+16.2%)	$43,100 (+15.8%) Land $16,900 Building $26,200	$430,800 (+15.74%) Land $169,000 Building $261,800
2023	$1,667.00 (+35.09%) Homeowner's exemption	$37,220 (+33.79%)	$372,200 (+33.88%) Land $161,000 Building $211,200
2022	$1,234.00 (+14.58%) Homeowner's exemption	$27,820	$278,000 Land $148,500 Building $129,500
2021	$1,077.00

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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

Wildfire Risk	High above 70% of the US · above 92% of Alabama
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation at the parcel

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 145 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Communications Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, T-Mobile USA, Telapex.

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