9859 Cumbria Dr, Daphne, AL 36526 Property Records

Baldwin County property record for 9859 Cumbria Dr, Daphne, AL 36526

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,708 sqft · built 2013
Lot Size	0.189 acres (8,250 sqft)
Owner	Individual Name on Record
Last Sale	$215,000 (Feb 2020)
Tax Bill	$1,236 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Feb 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`43-08-34-0-000-001.029`

Property Details

APN / Parcel Number

Primary APN	`43-08-34-0-000-001.029`
Alternative APNs	`289499` `365867`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,708 sqft Heated Area
1st Floor Area	1,708 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	8,250 sqft (0.189 acres)
Lot Dimensions	150 ft deep x 55 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	365867
Street Address	9859 CUMBRIA DR
City	DAPHNE
State	AL
Zip	36526-8725
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	55' X 150' LOT 17 OLDFIELD PHASE ONE SUB SLIDE 2328-C & D IN CITY OF DAPHNE SEC 34-T5S-R2E (WD)
Legal Subdivision	OLDFIELD SUB PHASE ONE
Legal Phase	1
Legal Lot Number	17
Jurisdiction	BALDWIN AL
Township / Civil Division	DAPHNE
Census Block Group	1
Census Block	1034
Census Tract	10709

Owner

Source: Baldwin County records, as of April 16, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	9859 CUMBRIA DR, DAPHNE, AL 36526-8725
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 19, 2020	Deed of Trust, Mortgage RAYNE ST BK & TR
Feb 20, 2020	Warranty Deed, Transfer · Conventional with PMI BANCORPSOUTH

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 20, 2020 · Amount on Record
Deed Sale	Feb 20, 2020 · Amount on Record
Prior Sale	Feb 6, 2014 · Amount on Record
Deed Document Number	20201812474
Record Updated	Jun 8, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALDWIN AL
Property Address	9859 CUMBRIA DR, DAPHNE, AL 36526-8725
Document Number	0001838569
Instrument Date	Jun 19, 2020
Transaction Type	Mortgage
Record Updated	Jul 9, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9859 CUMBRIA DR DAPHNE AL 365268725, DAPHNE, AL 36526-8725

Mortgage

Document Number	0001838569
Date	Jun 26, 2020
Instrument	1838569

Lender

Name	RAYNE ST BK & TR
Type	Bank
Address	MOBILE, AL 36608

Agreement

Amount	Amount Recorded

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BALDWIN AL
Recording Date	Feb 20, 2020
Property Address	9859 CUMBRIA DR, DAPHNE, AL 36526-8725
Document Number	0001812474
Instrument Date	Feb 18, 2020
Instrument	1812474
Transaction Type	Transfer
Record Updated	Mar 4, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$215.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9859 CUMBRIA DR DAPHNE AL 365268725, DAPHNE, AL 36526-8725

Mortgage

Document Number	1812475
Date	Feb 20, 2020
Instrument	1812475

Lender

Name	BANCORPSOUTH
Type	Bank
Address	TUPELO, MS 38803-3356

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Feb 19, 2050

Tax Assessment & Valuation

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
2025	$1,236.00 (-0.96%)	$27,860 (-0.92%) Land $6,240 Building $21,620	$278,600 (-0.89%) Land $62,400 Building $216,200
2023	$1,248.00 (+30.27%) Homeowner's exemption	$28,120 (+20.48%)	$281,100 (+20.54%) Land $66,000 Building $215,100
2022	$958.00 (+9.11%) Homeowner's exemption	$23,340	$233,200 Land $47,300 Building $185,900
2021	$878.00

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

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 Record median of 37 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	37 in force
Nearby Flood Claims	3 (2020)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Oct 2020 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 2 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

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

Wildfire Risk	Moderate above 45% of the US · above 50% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 40 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: C Spire Wireless.

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