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Single Family ResidenceResidential
$1,948,259$609 / 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 73How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

32499 RIVER RD

ORANGE BEACH, AL 36561
4
Beds
4 / 1
Baths
3,197 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.
0.63 ac
Lot SizeThe size of the land the home sits on, from county records.
2004
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
6
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$1.9M
$1.4M low$2.5M high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$1,718,259
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$1,374,607
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.12%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$220,000
REGIONS BANK · recorded Apr 22, 2009
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$10,000
REGIONS BANK

Tax & Assessment

Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$112,980 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$38,760
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$74,220
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$96,800
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$1,129,600

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
38
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
1
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
95
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
71
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
32
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.24 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.72%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

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
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.2020
ConstructionThe main material the home's frame and walls are built from.Wood (Unspecified)
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
CoolingThe type of cooling or air conditioning in the home.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.Yes
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 1,612 ft²

Transaction History(1)

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

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

H
Foley High SchoolB+
High · Grades 9–12 · 14.1 mi
M
Foley Middle SchoolC-
Middle · Grades 7–8 · 14.9 mi
E
Foley Elementary SchoolC-
Elementary · Grades KG–6 · 15.1 mi

District: Baldwin County School District

Neighborhood · ZIP 36561These 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.158
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.82
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.19

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.32%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.27%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.3.9%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.8%
PopulationHow many people live in this area.9,897
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.377 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$100,825
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$124,060
Average tempThe average temperature here across a full year.68°F
Annual precipHow much rain and melted snow falls here in a typical year.65 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.58%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

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

32499 River Rd 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 more than 98% of homes in Baldwin County
  • Costs more per square foot than 94% of homes in Baldwin County
  • Bigger than 94% of homes in Orange Beach 36561
  • Has a smaller lot than 67% of homes in Orange Beach 36561
  • Newer than 68% of homes in Orange Beach 36561

What homes are worth in Orange Beach 36561

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

This home
$200K$2.8M

This home is worth more than 95% of homes in Orange Beach 36561.

How it measures up in Orange Beach 36561

The dot is this home. The mark in the middle is the typical home in Orange Beach 36561.

Estimated value$1,948,259
CheaperTypical $705,458Pricier

Pricier than 95% of homes nearby

Price per ft²$609
CheaperTypical $507Pricier

Pricier than 79% of homes nearby

Living area3,197 ft²
SmallerTypical 1,524 ft²Bigger

Bigger than 94% of homes nearby

Lot size0.63 ac
SmallerTypical 2.55 acBigger

Bigger than 33% of homes nearby

Year built2004
OlderTypical 1999Newer

Newer than 68% of homes nearby

How 32499 River Rd ranks against every home in each area.
MeasureThis homeOrange Beach 36561Baldwin County
Estimated valuepricier than$1,948,25995% of homes98% of homes
Price per ft²pricier than$60979% of homes94% of homes
Living areabigger than3,197 ft²94% of homes94% of homes
Lot sizebigger than0.63 ac33% of homes56% of homes
Year builtnewer than200468% of homes61% of homes

About 32499 River Rd

How much is 32499 River Rd, Orange Beach, AL worth?

The TopHap Estimate for 32499 River Rd, Orange Beach, AL is $1,948,259 as of Jul 14, 2026. The likely range is $1,425,385 to $2,471,133. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 32499 River Rd, Orange Beach, AL?

32499 River Rd, Orange Beach, AL has 4 bedrooms, 4 bathrooms and 3,197 square feet of living space.

When was 32499 River Rd, Orange Beach, AL built?

32499 River Rd, Orange Beach, AL was built in 2004, making it 22 years old. The building has 1 story.

What schools serve 32499 River Rd, Orange Beach, AL?

32499 River Rd, Orange Beach, AL is assigned to Foley High School (high), rated B+; Foley Middle School (middle), rated C-; Foley Elementary School (elementary), rated C-. All sit in Baldwin County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 32499 River Rd, Orange Beach, AL compare to other homes in Orange Beach 36561?

Among the 16,052 homes in Orange Beach 36561, it is worth more than 95% of them ($1,948,259 against a typical $705,458), its price per square foot is higher than 79% of them ($609 against a typical $507), it is bigger than 94% of them (3,197 ft² against a typical 1,524 ft²), its lot is bigger than 33% of them (0.63 ac against a typical 2.55 ac) and it is newer than 68% of them (2004 against a typical 1999). Measured against all of Baldwin County, it is worth more than 98% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

Closest homes

More homes in Orange Beach 36561

Assigned schools

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