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32191 River Rd, Orange Beach, AL, 36561

5beds
4baths
3,490sqft
$1,399,000
$401price/sqft
$8,773/moest. monthly cost
$350,920/yrincome needed

About This Home

Stunning 5BR/3.5BA waterfront home located on a wide canal in the gated community of Ono Island in Orange Beach. Offering approximately 3,500 sq ft of living space, this beautifully appointed home features an open-concept floor plan, abundant natural light, and expansive big water views throughout. Gourmet kitchen with high-end appliances, custom cabinetry, large island, and ample seating—an entertainer's dream. Spacious primary suite with spa-style bath and private access to outdoor living area. Outdoor features include large covered and screened porches for that morning coffee and sunrise. This home has a private boat dock/house with a lift and quick access to big water. Boater’s dream location with easy access to bays and Gulf waters. The house has a 2-car garage as well. The lot is left in its mostly natural state with several Orangetrees, Satsuma, and Grapefruit trees planted by the owner.Sold fully furnished with top-grade, designer furnishings—truly move-in ready. Excellent opportunity for primary residence or second home. Enjoy privacy, security, and resort-style coastal living just minutes from beaches, dining, and shopping.Recent upgrades include a new metal roof, HVAC, and hot water heater.Ono Island Amenities include Tennis Courts, a workout room, a boat ramp, a pool (Indoor, Outdoor), pickleball courts, Basketball courts, a playground, and a large conference center, and 24 hour security with guard and gate entrance.Buyer to verify all information during due diligence. Buyer to verify all information during due diligence.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
29
BikeSomewhat Bikeable

Schools

4/10
Foley Elementary SchoolGrades PK-614.8 mi
4/10
Foley Middle SchoolGrades 7-814.6 mi
7/10
Foley High SchoolGrades 9-1213.9 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1998

Materials

  • Foundation: Slab
  • Roof: Metal
  • Construction materials: Concrete

Type & Style

  • Home type: SingleFamily
  • Architectural style: Raised Beach
  • Property subType: Residential

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Microwave,Electric Range,Refrigerator,Refrigerator w/Ice Maker,Washer,Cooktop

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Features

  • Ceiling Fan(s),High Ceilings,Split Bedroom Plan
  • Window features: Storm Window(s)
  • Flooring: Luxury Vinyl Plank
  • Number of fireplaces: 1
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central
  • Cooling features: Electric

Interior Area

  • Total structure area: 3,490
  • Total interior livable area: 3,490 sqft

Kitchen

  • Level: Second

Property

Details

  • Parcel number: 6308330000001.084

Features

  • Levels: Two
  • Pool features: Community,Association
  • Patio & porch: Covered
  • Exterior features: Outdoor Shower,Termite Contract
  • Spa features: Community
  • Has view: Yes
  • View description: Indirect ICW Side
  • Has water view: Yes
  • Water view: Indirect ICW Side
  • On waterfront: Yes
  • Waterfront features: Bay Access (<=1/4 Mi),Canal Front,Gulf Accs (<=1/4 Mi),ICW Accs (<=1/4 Mi)
  • Waterbody name: Canal to Intracoastal Waterway

Lot

  • Lot size: 0.60 Acres
  • Features: Less than 1 acre

Parking

  • Total spaces: 2
  • Parking features: Garage,Garage Door Opener
  • Has garage: Yes
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Coastal Flooding
    Coastal FloodingVery High
  • Hurricane
    HurricaneVery High
  • Inland Flooding
    Inland FloodingVery High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Hurricane
Inland Flooding
Lightning
Tornado
Strong Wind
Tsunami

FEMA Declared Disasters Across Alabama Counties

Flood
Hurricane
Severe Storm
Tornado
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $7,074$84,888
Home Insurance *$971$11,652
Property Taxes $338$4,056
Electricity $390$4,686
Total$8,773$105,276
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$300,788/yr
40% on housing$263,190/yr
45% on housing$233,946/yr

Alabama FAIR Plan Programs

Alabama FAIR Plan

Covered
None
Add-on available
WildfireWildfire
Visit Website →

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 10.4%
10.4%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 5.7%
5.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$401This listing

vs Other Active Listings

Avg $/sqft

ZIP 36561$386
Baldwin County$239

vs Homes Sold Last Month

Median $/sqft

ZIP 36561$442
Baldwin County$189

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-03-02Price change$1,590,000
2026-02-14Listed for sale$1,690,000

For Sale by Agent

AgentJoe Davis
BrokerageKeller Williams AGC Realty - Orange Beach

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