9951 Cumbria Dr, Daphne, AL 36526 Property Records

Baldwin County property record for 9951 Cumbria Dr, Daphne, AL 36526

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,971 sqft · built 2013
Lot Size	1.57 acres (68,415 sqft)
Owner	2 Individual Names on Record
Last Sale	$334,000 (Mar 2024)
Tax Bill	$1,378 (2025)
Deeds & Mortgages	Mar 2024 Sale & Mortgage Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`43-08-34-0-000-001.038`

Property Details

APN / Parcel Number

Primary APN	`43-08-34-0-000-001.038`
Alternative APNs	`289508` `373629` `543235`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,971 sqft Heated Area
1st Floor Area	1,971 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2021
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	68,415 sqft (1.57 acres)
Lot Dimensions	150 ft deep x 456 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	543235
Street Address	9951 CUMBRIA DR
City	DAPHNE
State	AL
Zip	36526-8723
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 26 OLDFIELD PHASE ONE SUB SLIDE 2328-C & D
Legal Subdivision	OLDFIELD SUB PHASE ONE
Legal Phase	1
Legal Lot Number	26
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	2 Individual Names on Record
Mailing Address	9951 CUMBRIA DR, DAPHNE, AL 36526-8723
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 4, 2024	Warranty Deed, Transfer · Conventional Mortgage EMBRACE HOME LOANS INC
Sep 10, 2020	Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 4, 2024 · Amount on Record
Deed Sale	Mar 4, 2024 · Amount on Record
Prior Sale	Sep 10, 2020 · Amount on Record
Deed Document Number	20242110615
Record Updated	Jun 8, 2026

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BALDWIN AL
Recording Date	Mar 4, 2024
Property Address	9951 CUMBRIA DR, DAPHNE, AL 36526-8723
Document Number	0002110615
Map Reference	SL 2328-C & D
Instrument Date	Feb 29, 2024
Instrument	2110615
Transaction Type	Transfer
Record Updated	Mar 14, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment 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	4205 OLD OAK TRCE, CUMMING, GA 30041-5686

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9951 CUMBRIA DR, DAPHNE, AL 36526-8723

Mortgage

Document Number	0002110616
Date	Mar 4, 2024
Instrument	2110616

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2054

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BALDWIN AL
Recording Date	Sep 10, 2020
Property Address	9951 CUMBRIA DR, DAPHNE, AL 36526-8723
Document Number	0001856615
Map Reference	SL 2328-C&D
Instrument Date	Sep 8, 2020
Instrument	1856615
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9427 DIAMANK BLVD, 9427, DAPHNE, AL 36526

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	9951 CUMBRIA DR, DAPHNE, AL 36526-8723

Mortgage

Document Number	0001856616
Date	Sep 10, 2020
Instrument	1856616

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 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	$1,378.00 (-47.96%)	$30,940 (-46.27%) Land $6,420 Building $24,520	$309,400 (+7.47%) Land $64,200 Building $245,200
2023	$2,648.00 (+28.79%)	$57,580 (+20.41%)	$287,900 (+20.41%) Land $66,000 Building $221,900
2022	$2,056.00 (+8.55%)	$47,820	$239,100 Land $47,300 Building $191,800
2021	$1,894.00

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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