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Single Family ResidenceResidential
$224,567$169 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 87How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Oct 21, 2026

23977 GEMSTONE DR

LOXLEY, AL 36551
3
Beds
2
Baths
1,330 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
3,348 ft²
Lot SizeThe size of the land the home sits on, from county records.
2008
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$225K
$195K low$254K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$610 (2026)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$20,480 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$4,340
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$16,140
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$20,600
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$204,700

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.47
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
36
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
94
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
68
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
37
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyBALDWIN
Lot (acres)The size of the land the home sits on, from county records.0.08
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Mat/Raft Foundation (Slab)
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Foreclosure Filings(2)

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Central Baldwin Middle SchoolB-
Middle · Grades 7–8 · 1.1 mi
E
Loxley Elementary SchoolB+
Elementary · Grades KG–6 · 2.5 mi
H
Robertsdale High SchoolC
High · Grades 9–12 · 3.6 mi

District: Baldwin County School District

Neighborhood · ZIP 36551These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.76
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.86
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.20

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.95%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.15%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.11%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.9%
PopulationHow many people live in this area.14,752
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.202 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$79,933
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$98,074
Average tempThe average temperature here across a full year.67°F
Annual precipHow much rain and melted snow falls here in a typical year.68 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.58%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

23977 Gemstone Dr measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 87% of homes in Baldwin County
  • Costs less per square foot than 72% of homes in Baldwin County
  • Smaller than 79% of homes in Loxley 36551
  • Among the smallest lots in Loxley 36551
  • Newer than 71% of homes in Baldwin County

What homes are worth in Loxley 36551

Each bar is how many homes fall in that price range. The marker is this home.

This home
$118K$832K

This home is worth more than 21% of homes in Loxley 36551.

How it measures up in Loxley 36551

The dot is this home. The mark in the middle is the typical home in Loxley 36551.

Estimated value$224,567
CheaperTypical $296,825Pricier

Pricier than 21% of homes nearby

Price per ft²$169
CheaperTypical $171Pricier

Pricier than 48% of homes nearby

Living area1,330 ft²
SmallerTypical 1,704 ft²Bigger

Bigger than 21% of homes nearby

Lot size3,348 ft²
SmallerTypical 0.41 acBigger

Smaller than almost all homes nearby

Year built2008
OlderTypical 2004Newer

Newer than 69% of homes nearby

How 23977 Gemstone Dr ranks against every home in each area.
MeasureThis homeLoxley 36551Baldwin County
Estimated valuepricier than$224,56721% of homes13% of homes
Price per ft²pricier than$16948% of homes28% of homes
Living areabigger than1,330 ft²21% of homes26% of homes
Lot sizebigger than3,348 ft²almost no homes2% of homes
Year builtnewer than200869% of homes71% of homes

About 23977 Gemstone Dr

How much is 23977 Gemstone Dr, Loxley, AL worth?

The TopHap Estimate for 23977 Gemstone Dr, Loxley, AL is $224,567 as of Oct 21, 2026. The likely range is $194,936 to $254,198. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 23977 Gemstone Dr, Loxley, AL last sell?

23977 Gemstone Dr, Loxley, AL last sold on Sep 29, 2008, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 23977 Gemstone Dr, Loxley, AL?

23977 Gemstone Dr, Loxley, AL has 3 bedrooms, 2 bathrooms, 1,330 square feet of living space and a 0.08-acre lot.

When was 23977 Gemstone Dr, Loxley, AL built?

23977 Gemstone Dr, Loxley, AL was built in 2008, making it 18 years old. The building has 1 story.

What schools serve 23977 Gemstone Dr, Loxley, AL?

23977 Gemstone Dr, Loxley, AL is assigned to Central Baldwin Middle School (middle), rated B-; Loxley Elementary School (elementary), rated B+; Robertsdale High School (high), rated C. All sit in Baldwin County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 23977 Gemstone Dr, Loxley, AL compare to other homes in Loxley 36551?

Among the 4,123 homes in Loxley 36551, it is worth more than 21% of them ($224,567 against a typical $296,825), its price per square foot is higher than 48% of them ($169 against a typical $171), it is bigger than 21% of them (1,330 ft² against a typical 1,704 ft²), its lot is bigger than almost none of them (3,348 ft² against a typical 0.41 ac) and it is newer than 69% of them (2008 against a typical 2004). Measured against all of Baldwin County, it is worth more than 13% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 23977 Gemstone Dr, Loxley, AL?

The 2026 property tax bill for 23977 Gemstone Dr, Loxley, AL was $610. The county assessed it at $20,480.

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