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For sale by owner
  • $1,290,000

    4099 Harbor Rd, Orange Beach, AL 36561

    4beds
    2,560sqft
    : 
    $7,606/mo
    Get pre-qualified
    SingleFamily
    Built in 2019
    -- sqft lot
    $-- Zestimate®
    $504/sqft
    $54/mo HOA

    What's special

    Welcoming front porchInviting foyerGas cooking rangeOpen-concept homeTankless water heater
    BEAUTIFUL GOLD FORTIFIED CUSTOM BEACH HOME. (Please call the number listed below if interested in a showing or have questions.) This gorgeous home is right across the street from Terry Cove and less than a mile to the white sand beaches of the Gulf. The HOA offers a well kept subdivision with a boat ramp, trailer/boat storage, playground, sand volleyball court, basketball court, tennis and pickleball courts, a large community swimming pool, and a fishing dock. Dolphins often swim in Terry Cove and put on a show for the homes surrounding it, for those fishing on the dock or for those sitting on the provided benches enjoying the view. All these amenities for ONLY $650 a YEAR in HOA dues! Best deal in Orange Beach! Included in this open-concept home are four ensuites for the privacy of family/guest and an indoor elevator to take you from the bottom floor to the top floor...no need to take the stairs. An inviting foyer welcomes you as you enter the home downstairs or you may enter through the welcoming front porch. The living room, dining room and kitchen standout with the coastal look of a ship-lap ceiling. The master suite offers a luxury bathroom with separate sinks and separate closets, a coffee bar and a balcony with an awesome view of Terry Cove. This house was built with hurricane standards including hurricane fortified doors, windows and additional hurricane protection with roll-down doors and added front window protection. The Gold Fortification (which helps lower the cost of homeowners' insurance) was recently renewed and good through 2030. Two carports, a tandem garage for your toys, a workshop/fishing room and an additional outside storage room for lawn care tools are a handy part of this home's design. An extra long and wide driveway provides ample parking room. Also included is a gas cooking range and a tankless water heater so you'll never run out of hot water. This home's outside gas fire pit is great for the chilly evenings in the winter and an outdoor shower allows you to wash the sand off before coming in the house. A large yard and 6 ft fence is already installed keeping children and pets safe. Look out the back door from the deck and you can watch the kids or grandkids play at the neighborhood park/playground located right behind the house. There are no neighbors directly behind this house. Evenings sitting on the relaxed "southern" porch gives you an opportunity to wave at and chat with your neighbors as they go by on their golf-carts or for an evening stroll. In fact, all three porches and the patio offer a relaxing time. This house is designed for family, but can also serve as a second home to those that love the beach and a family community . The OB School District is known for its excellence in education. Lots of shopping, restaurants and a variety of activities are near by to keep you and your family busy year round. Miles of award winning Alabama State Park trails for walking and biking are within a very short distance. If you're looking for a quintessential Southern beach house you found it. FYI: Terry Cove Subdivision does not allow short term rentals. A minimum of a six month rental lease is required. All information is to be verified by the buyer during due diligence. ***If you're a listing agent please do not call inquiring about listing the property.
    24 days
    1,099
    54
    Listed by:

    Property Owner (251) 284-5326

    This property is for sale by owner and Zillow, Inc. is displaying it at the owner's request. It is not subject to a listing agreement with Zillow, Inc. or its affiliates.

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 4
      • Bathrooms: 5
      • Full bathrooms: 4
      • 1/2 bathrooms: 1
      Heating
      • Forced air, Electric
      Cooling
      • Central
      Appliances
      • Included: Garbage disposal, Microwave, Range / Oven, Refrigerator
      Features
      • Flooring: Linoleum / Vinyl
      • Has fireplace: Yes
      Interior area
      • Total interior livable area: 2,560 sqft

      Property

      Parking
      • Parking features: Carport, Garage - Attached
      Features
      • Exterior features: Other
      • Has view: Yes
      • View description: Water
      • Has water view: Yes
      • Water view: Water
      Details
      • Parcel number: 6502044001027000

      Construction

      Type & style
      • Home type: SingleFamily
      Materials
      • Wood
      • Roof: Metal
      Condition
      • New construction: No
      • Year built: 2019

      Community & HOA

      HOA
      • Has HOA: Yes
      • HOA fee: $54 monthly
      Location
      • Region: Orange Beach

      Financial & listing details

      • Price per square foot: $504/sqft
      • Tax assessed value: $1,013,900
      • Annual tax amount: $2,378
      • Date on market: 8/24/2026

        Estimated market value

        Not available

        Estimated sales range

        Not available

        $3,744/mo

        Price history

        DateEventPrice
        8/24/2026Listed for sale$1,290,000-4.4%$504/sqft
        Source: Owner Report a problem
        3/10/2026Listing removed$1,349,000$527/sqft
        Source: Baldwin Realtors #385297 Report a problem
        2/26/2026Price change$1,349,000-1.7%$527/sqft
        Source: Baldwin Realtors #385297 Report a problem
        1/19/2026Price change$1,373,000-0.1%$536/sqft
        Source: Baldwin Realtors #385297 Report a problem
        9/16/2025Listed for sale$1,375,000$537/sqft
        Source: Baldwin Realtors #385297 Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2025$2,378 +7.1%$94,620 +7%
        2024$2,220 -0.8%$88,440 -0.8%
        2023$2,239 $89,160 +26.6%
        2022-- $70,400 +9.9%
        2021$1,508 +6.2%$64,080 +12.3%
        2020$1,420 +68.1%$57,060 +116.1%
        2019$845 +71.9%$26,400 +71.9%
        2018$492 $15,360
        2017$492 $15,360 +18.2%
        2016$492 $13,000
        2015-- $13,000 +54.8%
        2014-- $8,400
        Find assessor info on the county website

        Monthly payment

        Est. payment

        Payment breakdown

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        All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
        HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
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        Climate risks

        Neighborhood: 36561

        Getting around

        5 / 100
        Car-Dependent
        36 / 100
        Somewhat Bikeable

        Nearby schools

        GreatSchools rating

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