Baldwin County property record for 9680 Terrace Dr, Fairhope, AL 36532
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,808 sqft · built 1999 |
| Lot Size | 0.356 acres (15,506 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $299,000 (Aug 2025) |
| Tax Bill | $1,710 (2026) |
| Deeds & Mortgages | May 2026 Mortgage Feb 2026 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 56-02-03-0-000-014.020 |
| Primary APN | 56-02-03-0-000-014.020 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,808 sqft Heated Area |
| 1st Floor Area | 1,808 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 2021 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 15,506 sqft (0.356 acres) |
| Lot Dimensions | 136 ft deep x 113 ft wide |
| Utility Building | 100 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 376097 |
|---|---|
| Street Address | 9680 TERRACE DR |
| City | FAIRHOPE |
| State | AL |
| Zip | 36532-6216 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 113.6' X 136.5' IRR LOT 18 SILVERWOOD UNIT I SLIDE 1314-B SEC 3-T7S-R2E (WD/SURVIVORSHIP) |
| Legal Subdivision | SILVERWOOD SUBD |
| Legal Lot Number | 18 |
| Legal Unit | 1 |
| Jurisdiction | BALDWIN AL |
| Township / Civil Division | FAIRHOPE |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 11102 |
9680 Terrace Dr is owned and occupied by two individuals who bought it in August 2025.
Source: Baldwin County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 9680 TERRACE DR, FAIRHOPE, AL 36532-6216 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants in Common |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 13, 2026 | Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE |
| Feb 2, 2026 | Deed of Trust, Mortgage · VA Mortgage ADVANCE MORTGAGE & INVESTMENT CO INC |
| Jan 11, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC |
| Apr 23, 2021 | Warranty Deed, Transfer · FHA Mortgage HOMETOWN LENDERS INC |
| Apr 21, 2020 | Deed of Trust, Mortgage · Conventional Mortgage TRUSTMARK NATIONAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 6, 2025 · Amount on File |
| Deed Sale | Aug 6, 2025 · Amount on File |
| Prior Sale | Apr 23, 2021 · Amount on File |
| Deed Document Number | 20252203296 |
| Prior Transfer Date | Feb 20, 2013 |
| Prior Transfer Doc | 0001410690 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BALDWIN AL |
| Recording Date | May 13, 2026 |
| Property Address | 9680 TERRACE DR, FAIRHOPE, AL 36532-6216 |
| Document Number | 0002253036 |
| Instrument Date | Apr 25, 2026 |
| Instrument | 20262253036 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common, 169 |
| Address | 9680 TERRACE DR, FAIRHOPE, AL 36532-6216 |
| Document Number | 0002253036, |
|---|---|
| Date | May 13, 2026 |
| Instrument | 20262253036 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 6.38% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BALDWIN AL |
| Property Address | 9680 TERRACE DR, FAIRHOPE, AL 36532-6216 |
| Transaction Type | Mortgage |
| Record Updated | Feb 20, 2026 |
| Name | Verified Name |
|---|---|
| Address | 8272 DREAM DOAT DRIVE #234 234, 234, COLUMBUS, GA 31909-2554 |
| Document Number | 0002234376 |
|---|---|
| Date | Feb 2, 2026 |
| Instrument | 2234376 |
| Name | ADVANCE MORTGAGE & INVESTMENT CO INC |
|---|---|
| Type | Mortgage Company |
| Address | FAIRHOPE, AL 36532 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 354 Months |
| Due | Aug 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BALDWIN AL |
| Property Address | 9680 TERRACE DR, FAIRHOPE, AL 36532-6216 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2023 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 9680 TERRACE DR, FAIRHOPE, AL 36532-6216 |
| Document Number | 0002042398 |
|---|---|
| Date | Jan 11, 2023 |
| Instrument | 2042398 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 340 Months |
| Due | May 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BALDWIN AL |
| Recording Date | Apr 23, 2021 |
| Property Address | 9680 TERRACE DR, FAIRHOPE, AL 36532-6216 |
| Document Number | 0001908288 |
| Map Reference | SL 1314-B |
| Instrument Date | Apr 16, 2021 |
| Instrument | 1908288 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6780 TRAYLOR LN, GULF SHORES, AL 36542-2517 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 9680 TERRACE DR, FAIRHOPE, AL 36532-6216 |
| Document Number | 0001908289 |
|---|---|
| Date | Apr 23, 2021 |
| Instrument | 1908289 |
| Name | HOMETOWN LENDERS INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BALDWIN AL |
| Property Address | 9680 TERRACE DR, FAIRHOPE, AL 36532-6216 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0001824063 |
|---|---|
| Date | Apr 21, 2020 |
| Instrument | 1824063 |
| Name | TRUSTMARK NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | JACKSON, MS 39225 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.37% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | May 1, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 2.5% |
| Max Rate At Change | 8.37% |
| Index | 1-Year LIBOR |
| Max Rate | 8.37% |
The 2026 property tax bill for 9680 Terrace Dr was $1,710 with a homeowner's exemption, up 107.5% from the year before.
Source: Baldwin County assessment roll, as of April 16, 2026
| Type | Name |
|---|---|
| State | Alabama |
| County | Baldwin County |
| Unified School District | Baldwin County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,710.00 (+107.52%) Homeowner's exemption | ||
| 2025 | $824.00 | $27,740 Land $3,760 Building $23,980 | $277,300 Land $37,500 Building $239,800 |
| 2023 | $792.00 (+13.47%) Homeowner's exemption | $27,000 (+12.59%) | $269,800 (+12.6%) Land $36,900 Building $232,900 |
| 2022 | $698.00 (+20.14%) Homeowner's exemption | $23,980 | $239,600 Land $34,500 Building $205,100 |
| 2021 | $581.00 |
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.
FEMA maps place 9680 Terrace Dr in Zone X, an area of minimal flood risk, though there have been 243 flood claims nearby since 1989.
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 66 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 66 in force |
| Nearby Flood Claims | 243 (1989–2020) |
| Claims Outside the SFHA | 5 of 243 |
| Most Recent Claim | Oct 2020 · rainfall accumulation |
| Claims by Event |
|
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 risk around 9680 Terrace Dr 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 66% of the US · lower than 82% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 60 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 |
| Mediacom Xtream Cable | 1,000 / 50 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures