709 Cardamel Ct, Fairhope, AL 36532 Property Records

Baldwin County property record for 709 Cardamel Ct, Fairhope, AL 36532

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,762 sqft · built 2022
Lot Size	0.243 acres (10,611 sqft)
Owner	2 Company Names on File
Last Sale	$1,029,500 (Jan 2025)
Tax Bill	$3,979 (2026)
Deeds & Mortgages	Dec 2021 Mortgage Apr 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`46-09-31-0-000-003.075`

Property Details

APN / Parcel Number

Primary APN	`46-09-31-0-000-003.075`
Alternative APNs	`356325` `040396` `40396`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,762 sqft Heated Area
1st Floor Area	2,762 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	10,611 sqft (0.243 acres)
Lot Dimensions	189 ft deep x 60.8 ft wide
Pool Area	251 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	40396
Street Address	709 CARDAMEL CT
City	FAIRHOPE
State	AL
Zip	36532-0027
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	60.8' X 189.3' IRR LOT 24 VILLAS AT POINT CLEAR SUB SLIDE 2511-A LYING IN THE CITY OF FAIRHOPE SEC 31-T6S-R2E (WD/SURVIVORSHI
Legal Subdivision	VILLAS AT POINT CLEAR
Legal Lot Number	24
Jurisdiction	BALDWIN AL
Township / Civil Division	FAIRHOPE
Census Block Group	1
Census Block	1001
Census Tract	11300

Owner

709 Cardamel Ct is owned by a company that bought it in January 2025 and is owner-occupied.

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

Owner of Record	2 Company Names on File
Mailing Address	709 CARDAMEL CT, FAIRHOPE, AL 36532-0027
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Life Tenant

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
Dec 27, 2021	Deed of Trust, Mortgage · Commercial Mortgage BANKPLUS
Apr 4, 2023	Deed of Trust, Mortgage · Conventional Mortgage ALABAMA CU
Jul 22, 2021	Warranty Deed, Transfer
Sep 19, 2019	Warranty Deed, Transfer · Line of Credit BRYANT BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 17, 2025 · Amount on File
Deed Sale	Jan 17, 2025 · Amount on File
Prior Sale	Jul 22, 2021 · Amount on File
Deed Document Number	20252167006
Prior Transfer Date	Jan 14, 2025
Prior Transfer Doc	0002167006
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALDWIN AL
Property Address	709 CARDAMEL CT, FAIRHOPE, AL 36532-0027
Transaction Type	Mortgage
Record Updated	Apr 16, 2024
Title Company	AUSTIN TITLE, ATC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	27800 CANAL RD 513, 513, ORANGE BEACH, AL 36561-4085

Mortgage

Document Number	0001966698
Date	Dec 27, 2021
Instrument	1966698

Lender

Name	BANKPLUS
Type	Bank
Address	MOBILE, AL 36609

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALDWIN AL
Property Address	709 CARDAMEL CT, FAIRHOPE, AL 36532-0027
Transaction Type	Mortgage
Record Updated	Apr 16, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002055709
Date	Apr 4, 2023
Instrument	2055709

Lender

Name	ALABAMA CU
Type	Credit Union
Address	TUSCALOOSA, AL 35401

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	4.79%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2026
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	6.75%
Index	12-Month MTA
Max Rate	10.7%

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BALDWIN AL
Recording Date	Jul 22, 2021
Property Address	709 CARDAMEL CT, FAIRHOPE, AL 36532-0027
Document Number	0001930933
Map Reference	SL 2511-A
Instrument Date	Jul 20, 2021
Instrument	1930933
Transaction Type	Transfer
Record Updated	Apr 16, 2024

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	35620 CANAL RD, ORANGE BEACH, AL 36561

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 490, ORANGE BEACH, AL 36561-0490

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BALDWIN AL
Recording Date	Sep 19, 2019
Property Address	709 CARDAMEL CT, FAIRHOPE, AL 36532-0027
Document Number	0001784711
Map Reference	SL 2511-A
Instrument Date	Sep 18, 2019
Instrument	1784711
Transaction Type	Transfer
Record Updated	Mar 29, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	17891 SECTION ST # 1, 17891, FAIRHOPE, AL 36532-5233

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25620 CANAL RAOD, FAIRHOPE, AL 36532

Mortgage

Document Number	0001784712
Date	Sep 19, 2019
Instrument	1784712

Lender

Name	BRYANT BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 709 Cardamel Ct was $3,979 with exemptions applied.

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	$3,979.00 Homeowner's exemption Senior Citizen's exemption
2025	$3,979.00	$101,220 Land $18,460 Building $82,760	$1,063,300 Land $190,400 Building $872,900
2023	$2,691.00 (+76%)	$58,520 (+75.95%)	$585,000 (+251.77%) Land $181,500 Building $403,500
2022	$1,529.00 (+6.7%)	$33,260	$166,300 Land $166,300
2021	$1,433.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 709 Cardamel Ct in Zone X, an area of minimal flood risk, though there have been 211 flood claims nearby since 1979.

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 144 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	192 units insured incl. 48 condo units
Nearby Flood Claims	211 (1979–2021)
Claims Outside the SFHA	10 of 211
Most Recent Claim	Oct 2021 · rainfall accumulation
Claims by Event	Hurricane Katrina, Sep 2005 · 93 claims Hurricane Ivan, Sep 2004 · 19 claims Hurricane Georges, Sep 1998 · 40 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 709 Cardamel Ct 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 77% 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 231 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Mediacom Xtream.

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