9805 Terrace Dr, Fairhope, AL 36532 Property Records

Baldwin County property record for 9805 Terrace Dr, Fairhope, AL 36532

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,978 sqft · built 1997
Lot Size	0.386 acres (16,803 sqft)
Owner	Individual Name on File
Last Sale	$220,000 (Nov 2022)
Tax Bill	$782 (2026)
Deeds & Mortgages	Nov 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`56-02-03-0-000-014.002`

Property Details

APN / Parcel Number

Primary APN	`56-02-03-0-000-014.002`
Alternative APNs	`109355` `317228` `519231`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,978 sqft Heated Area
1st Floor Area	1,978 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	16,803 sqft (0.386 acres)
Lot Dimensions	136 ft deep x 123 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	519231
Street Address	9805 TERRACE DR
City	FAIRHOPE
State	AL
Zip	36532-6235
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	123.1' X 136.5' IRR LOT 1 SILVERWOOD SUB UNIT 2 SLIDE 1452-A SEC 3-T7S-R2E
Legal Subdivision	SILVERWOOD
Legal Block	U2
Legal Lot Number	1
Legal Unit	2
Jurisdiction	BALDWIN AL
Township / Civil Division	FAIRHOPE
Census Block Group	1
Census Block	1008
Census Tract	11102

Owner

9805 Terrace Dr is owned and occupied by an individual who bought it in November 2022.

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

Owner of Record	Individual Name on File
Mailing Address	9805 TERRACE DR, FAIRHOPE, AL 36532-6235
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 15, 2022 · Amount on File
Deed Sale	Nov 15, 2022 · Amount on File
Prior Sale	Oct 17, 2014 · Amount on File
Deed Document Number	20222033940
Prior Transfer Date	Oct 13, 2014
Prior Transfer Doc	0001481821
Record Updated	Oct 29, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BALDWIN AL
Recording Date	Nov 15, 2022
Property Address	9805 TERRACE DR, FAIRHOPE, AL 36532-6235
Document Number	0002033940
Map Reference	SL 1452
Instrument Date	Nov 10, 2022
Instrument	2033940
Transaction Type	Transfer
Record Updated	Nov 22, 2022

Transaction

Amount	Amount 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	116 GILBREATH AVE, 116, FAIRHOPE, AL 36532-4998

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9805 TERRACE DR, FAIRHOPE, AL 36532-6235

Mortgage

Document Number	0002033941
Date	Nov 15, 2022
Instrument	2033941

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2052

Tax Assessment & Valuation

The 2026 property tax bill for 9805 Terrace Dr was $782 with a homeowner's exemption, up 0.8% 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	$782.00 (+0.77%) Homeowner's exemption
2025	$776.00	$26,180 Land $3,760 Building $22,420	$261,700 Land $37,500 Building $224,200
2023	$747.00 (+12.33%)	$24,120 (+12.4%)	$241,100 (+12.45%) Land $36,900 Building $204,200
2022	$665.00 (+18.33%)	$21,460	$214,400 Land $34,500 Building $179,900
2021	$562.00

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 9805 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	Hurricane Sally, Sep 2020 · 30 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, May 2014 · 51 claims Severe Storms, Flooding,high Winds, Assoc With Hurr Danny, Jul 1997 · 42 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 9805 Terrace Dr is moderate, ranking above 58% 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 58% of the US · above 75% 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 65 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20