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Janet Glisson
Realtor®
Goode Realty LLC
Alabama's Beaches / Fort Morgan

Fort Morgan

Fort Morgan is not a city.

Fort Morgan is an unincorporated community at the western tip of the Fort Morgan Peninsula in Baldwin County, Alabama — west of Gulf Shores. It has no city government, no mayor, no city council, no city audit, and no city-specific tax ordinance. It is governed directly by Baldwin County.

What that means for the data below

Because there is no City of Fort Morgan, there is no city-level lodging tax rate, city-level property value, or city audit to cite — those simply don't exist as a category. Any investment data for Fort Morgan is necessarily county- or region-level, not city-specific. It is presented as such, not padded to look like the Orange Beach or Gulf Shores dashboards.

Lodging Tax Rate

6%
No city-level tax exists, since Fort Morgan has no city government. Only state and county apply.
  • State of Alabama4%
  • Baldwin County Lodging Tax2%
Fort Morgan falls within the Baldwin County Lodging Tax District, defined as unincorporated areas "south of the Intracoastal Waterway and west of the City of Gulf Shores." Sources: Code of Alabama §45-2-243.24 (district boundary) · Alabama DOR (confirms 4% state rate — Baldwin County is not in the 5% Mountain Lakes region) · Baldwin County — Lodgings Tax.

Property Tax Millage Rate

28 mills
Lower than either incorporated city — no municipal millage layer applies in unincorporated Fort Morgan.
  • Fort Morgan (unincorporated)28 mills
  • Orange Beach32 mills
  • Gulf Shores33 mills

The mill rate alone doesn't determine your tax bill — it applies to assessed value, not market value, and how much of the market value gets assessed depends on how the property is classified. In Alabama, owner-occupied homes are assessed at 10% of market value; rental and investment property — likely most of what an STR buyer is evaluating — is assessed at 20%, meaning a comparable investment property carries roughly double the taxable base of a homesteaded one at the same market value.

A single "total assessed value" figure — like the one Orange Beach's city audit reports — doesn't exist for Fort Morgan, since there's no city government or budget to require one. This millage comparison is the closest verifiable equivalent. Source: Baldwin County Revenue Commission — Municipality Millage Rates (revised March 2025). Assessment class rates per Alabama's constitutional property classification schedule.

Governance

  • Unincorporated — Baldwin County governs directly
  • No city audit exists
  • Part of the Fort Morgan Zoning District (Baldwin County Planning District 25)
Source: Code of Alabama §45-2-261.61 (Fort Morgan Zoning District establishment).

Property Listings

Provided through Goode Realty LLC's authorized MLS/IDX system. All listing details, availability, and pricing are subject to the MLS and the listing brokerage.

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