803 Captain O'Neal Dr, Daphne, AL 36526 Property Records

Baldwin County property record for 803 Captain O'Neal Dr, Daphne, AL 36526

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 4,526 sqft · built 1992
Lot Size	0.402 acres (17,500 sqft)
Owner	Individual Name on File
Last Sale	$820,000 (Aug 2020)
Tax Bill	$10,014 (2026)
Deeds & Mortgages	Aug 2025 Second Mortgage Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`43-09-42-0-002-003.003`

Property Details

APN / Parcel Number

Primary APN	`43-09-42-0-002-003.003`
Alternative APNs	`110650` `372852`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	4,526 sqft Heated Area
1st Floor Area	2,667 sqft
Upper Floors Area	1,859 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2007
Exterior Material	Stucco
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	17,500 sqft (0.402 acres)
Lot Dimensions	125 ft deep x 140 ft wide
Pool Area	338 sqft
Wet Bar	Wet Bar

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	372852
Street Address	803 CAPTAIN ONEAL DR
City	DAPHNE
State	AL
Zip	36526-4021
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	140' X 125' FR SE COR LOT 5 DEER MEADOR SUB RUN S 25'( ) AND E 35'( )O POB TH S 125' TH W 140' TH N 125' TH E 140' TO BEG GR
Legal Subdivision	DEER MEADOR SUB
Legal Lot Number	5
Jurisdiction	BALDWIN AL
Township / Civil Division	DAPHNE
Census Block Group	2
Census Block	2005
Census Tract	10800

Owner

803 Captain O'Neal Dr is owned and occupied by an individual who bought it in August 2020.

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

Owner of Record	Individual Name on File
Mailing Address	803 CAPTAIN ONEAL DR, DAPHNE, AL 36526-4021
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

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
Aug 26, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SOFI BANK NA
Aug 20, 2020	Warranty Deed, Transfer · Conventional Mortgage BANCORPSOUTH BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 20, 2020 · Amount on File
Deed Sale	Aug 20, 2020 · Amount on File
Prior Sale	Mar 6, 2006 · Amount on File
Deed Document Number	20201851700
Record Updated	Oct 29, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALDWIN AL
Property Address	803 CAPTAIN ONEAL DR, DAPHNE, AL 36526-4021
Transaction Type	Mortgage
Record Updated	Nov 7, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002206923
Date	Aug 26, 2025
Instrument	2206923

Lender

Name	SOFI BANK NA
Type	Bank
Address	SALT LAKE CITY, UT 84121

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Sep 1, 2045

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BALDWIN AL
Recording Date	Aug 20, 2020
Property Address	803 CAPTAIN ONEAL DR, DAPHNE, AL 36526-4021
Document Number	0001851700
Instrument Date	Aug 13, 2020
Instrument	1851700
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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
Address	124 DURNFORD HILL CT, 124, DAPHNE, AL 36526-4008

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	803 CAPTAIN O NEIL DR, 36665

Mortgage

Document Number	0001851701
Date	Aug 20, 2020
Instrument	1851701

Lender

Name	BANCORPSOUTH BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2030
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	5.25%
Index	1-Year CMT
Max Rate	10.2%

Tax Assessment & Valuation

The 2026 property tax bill for 803 Captain O'Neal Dr was $10,014, up 7% from the year before.

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$10,014.00 (+7%)
2025	$9,359.00	$203,460 Land $43,340 Building $160,120	$1,017,300 Land $216,700 Building $800,600
2023	$8,238.00 (+25.75%)	$179,100 (+17.55%)	$895,500 (+17.55%) Land $136,900 Building $758,600
2022	$6,551.00 (+7.34%)	$152,360	$761,800 Land $140,300 Building $621,500
2021	$6,103.00

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 803 Captain O'Neal Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

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 803 Captain O'Neal Dr is moderate, ranking above 52% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 52% of the US · above 64% of Alabama
Wildfire Likelihood	0.1% 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 DAPHNE, UTILITIES BOARD OF THE serves 33,372 people · EPA ID AL0000029
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, 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 65 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	5,000 / 5,000
Mediacom Xtream Cable	1,000 / 50

Cell Coverage

5G (outdoors only) and 4G LTE

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