9355 BERGA LN DAPHNE AL 365266132, DAPHNE, AL 36526-6132
Mortgage
Document Number
0001844552
Date
Jul 22, 2020
Instrument
1844552
Lender
Name
IBERIABANK
Type
Bank
Address
FAIRHOPE, AL 36532
Agreement
Type
Line of Credit
Amount
Amount on Record
Term
360 Months
Due
Jul 21, 2050
Interest
Rate Type
Adjustable Rate
May 2020: Deed of Trust, Mortgage
Document Type
Deed of Trust
Jurisdiction
BALDWIN AL
Property Address
9355 BERGA LN, DAPHNE, AL 36526-6132
Document Number
0001831847
Instrument Date
May 19, 2020
Transaction Type
Mortgage
Record Updated
Jun 9, 2020
Title Company
NOT AVAILABLE
Transferred To (Grantee/Buyer)
Name
Verified Name
Relationship
Husband and Wife
Address
9355 BERGA LN DAPHNE AL 365266132, DAPHNE, AL 36526-6132
Mortgage
Document Number
0001831847
Date
May 28, 2020
Instrument
1831847
Lender
Name
IBERIABANK
Type
Bank
Address
LAFAYETTE, LA 70501
Agreement
Type
Conventional with PMI
Amount
Amount on Record
Term
360 Months
Due
May 27, 2050
Interest
Rate
9%
December 2017: Warranty Deed, Transfer
Document Type
Warranty Deed
Jurisdiction
BALDWIN AL
Recording Date
Dec 8, 2017
Property Address
9355 BERGA LN, DAPHNE, AL 36526-6132
Document Number
0001669684
Instrument Date
Dec 6, 2017
Instrument
1669684
Transaction Type
Transfer
Record Updated
Jul 15, 2022
Transaction
Amount
Amount on Record
Loan-to-Value (LTV)
LTV on Record
Tax
$43.50
Amount Accuracy
Full Amount Stated
Additional
Arm's Length
Transferred From (Grantor/Seller)
Name
Verified Name
Address
9355 BERGA LN, 9355, DAPHNE, AL 36526-6132
Transferred To (Grantee/Buyer)
Name
Verified Name
Relationship
Joint Tenants
Address
PO BOX 7183, SPANISH FORT, AL 36577-7183
Mortgage
Document Number
0001669685
Date
Dec 8, 2017
Instrument
1669685
Lender
Name
TRUSTMARK NATIONAL BANK
Type
Bank
Agreement
Type
Commercial Mortgage
Amount
Amount on Record
Term
9 Months
Due
Sep 1, 2018
September 2017: Grant Deed, Transfer
Document Type
Grant Deed
Jurisdiction
BALDWIN AL
Recording Date
Sep 5, 2017
Property Address
9355 BERGA LN, DAPHNE, AL 36526-6132
Document Number
0001654123
Instrument Date
Aug 3, 2017
Instrument
1654123
Transaction Type
Transfer
Record Updated
Sep 18, 2017
Title Company
ATTORNEY ONLY
Transaction
Amount
Amount on Record
Tax
$268.00
Additional
Notice of Trustee Sale
Arm's Length
Transferred From (Grantor/Seller)
Name
Verified Name
Transferred To (Grantee/Buyer)
Name
Verified Name
Address
11111 US HIGHWAY 31 #A SPANISH FORT AL 365275918, A, SPANISH FORT, AL 36527-5918
Tax Assessment & Valuation
The 2026 property tax bill for 9355 Berga Ln was $2,453 with a homeowner's exemption, up 7.1% from the year before.
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
$2,453.00 (+7.12%)Homeowner's exemption
2025
$2,290.00
$75,340Land $26,980Building $48,360
$802,200Land $287,300Building $514,900
2023
$1,974.00 (+35.86%)Homeowner's exemption
$65,160 (+21.75%)
$617,100 (+15.35%)Land $184,300Building $432,800
2022
$1,453.00 (+48.11%)Homeowner's exemption
$53,520
$535,000Land $161,500Building $373,500
2021
$981.00
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 9355 Berga Ln in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2014.
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 23 policies
Community Rating System
Class 7 (15% premium discount)
Nearby Flood Policies
23 in force
Nearby Flood Claims
2 (2014–2024)
Claims Outside the SFHA
2 of 2
Most Recent Claim
Dec 2024 · rainfall accumulation
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 9355 Berga Ln is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
Wildfire Risk
Low lower than 65% of the US · lower than 81% of Alabama
Wildfire Likelihood
0.03% annual chance
Exposure
None beyond ember reach
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
BELFOREST WATER SYSTEM serves 17,268 people · EPA ID AL0000025
Water Source
Groundwater
Last State Inspection
Jun 2024
Lead
2 ppb (2022–2024) action level 15 ppb
Violations Reported to EPA
Water Quality
None last 10 years
Treatment and Procedure
None last 10 years
Monitoring and Reporting
2 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 27 locations within half a mile, as of December 31, 2025