Baldwin County property record for 9790 Terrace Dr, Fairhope, AL 36532
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,816 sqft · built 1998 |
| Lot Size | 0.358 acres (15,593 sqft) |
| Owner | Individual Name on File |
| Last Sale | $180,000 (Oct 2019) |
| Tax Bill | $802 (2026) |
| Deeds & Mortgages | Feb 2023 Second Mortgage Jan 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 56-02-03-0-000-014.049 |
| Primary APN | 56-02-03-0-000-014.049 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,816 sqft Heated Area |
| 1st Floor Area | 1,816 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| 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 | 15,593 sqft (0.358 acres) |
| Lot Dimensions | 138 ft deep x 112 ft wide |
| Utility Building | 280 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 366202 |
|---|---|
| Street Address | 9790 TERRACE DR |
| City | FAIRHOPE |
| State | AL |
| Zip | 36532-6242 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 112.5' X 138.6' IRR LOT 20 SILVERWOOD SUB UNIT 2 SLIDE 1452-A SEC 3-T7S-R2E (WD/SURVIVORSHIP) |
| Legal Subdivision | SILVERWOOD |
| Legal Block | U 2 |
| Legal Lot Number | 20 |
| Legal Unit | 2 |
| Jurisdiction | BALDWIN AL |
| Township / Civil Division | FAIRHOPE |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 11102 |
9790 Terrace Dr is owned and occupied by an individual who bought it in October 2019.
Source: Baldwin County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 2078, ROBERTSDALE, AL 36567-2078 |
| 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.
| Date | Document |
|---|---|
| Feb 15, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage PEN AIR FCU |
| Jan 7, 2020 | Deed of Trust, Mortgage · FHA Mortgage THE FIRST A NATIONAL BANKING ASSN |
| Oct 18, 2019 | Warranty Deed, Transfer · FHA Mortgage THE FIRST A NATIONAL BANKING ASSN |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 18, 2019 · Amount on File |
| Deed Sale | Oct 18, 2019 · Amount on File |
| Prior Sale | Nov 2, 2010 |
| Deed Document Number | 20191790171 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BALDWIN AL |
| Property Address | 9790 TERRACE DR, FAIRHOPE, AL 36532-6242 |
| Transaction Type | Mortgage |
| Record Updated | Feb 22, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0002047357 |
|---|---|
| Date | Feb 15, 2023 |
| Instrument | 2047357 |
| Name | PEN AIR FCU |
|---|---|
| Type | Credit Union |
| Address | PENSACOLA, FL 32514 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Mar 1, 2033 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BALDWIN AL |
| Property Address | 9790 TERRACE DR, FAIRHOPE, AL 36532-6242 |
| Transaction Type | Mortgage |
| Record Updated | Oct 20, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0001804314 |
|---|---|
| Date | Jan 7, 2020 |
| Instrument | 1804314 |
| Name | THE FIRST A NATIONAL BANKING ASSN |
|---|---|
| Type | Bank |
| Address | HATTIESBURG, MS 39402 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 358 Months |
| Due | Nov 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BALDWIN AL |
| Recording Date | Oct 18, 2019 |
| Property Address | 9790 TERRACE DR, FAIRHOPE, AL 36532-6242 |
| Document Number | 0001790171 |
| Map Reference | SL 1452-A |
| Instrument Date | Oct 18, 2019 |
| Instrument | 1790171 |
| Transaction Type | Transfer |
| Record Updated | Jun 22, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 2078, ROBERTSDALE, AL 36567-2078 |
| Name | Verified Name |
|---|---|
| Address | 9790 TERRACE DR, FAIRHOPE, AL 36532-6242 |
| Document Number | 0001790172 |
|---|---|
| Date | Oct 18, 2019 |
| Instrument | 1790172 |
| Name | THE FIRST A NATIONAL BANKING ASSN |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2049 |
The 2026 property tax bill for 9790 Terrace Dr was $802 with a homeowner's exemption, down 0.6% 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 | $802.00 (-0.62%) Homeowner's exemption | ||
| 2025 | $807.00 | $27,180 Land $3,760 Building $23,420 | $271,600 Land $37,500 Building $234,100 |
| 2023 | $768.00 (+13.44%) Homeowner's exemption | $26,240 (+12.62%) | $262,200 (+12.58%) Land $36,900 Building $225,300 |
| 2022 | $677.00 (+31.46%) Homeowner's exemption | $23,300 | $232,900 Land $34,500 Building $198,400 |
| 2021 | $515.00 |
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 9790 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 9790 Terrace Dr is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 91% of Alabama |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Indirect within 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 |
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