11495 Co Rd 97, Elberta, AL 36530 Property Records

Baldwin County property record for 11495 Co Rd 97, Elberta, AL 36530

Property Summary

Property Type	Single Family Home
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on File
Last Sale	$780,000 (Dec 2025)
Tax Bill	$3,372 (2026)
Deeds & Mortgages	Jul 2024 Construction Loan Dec 2025 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`52-09-31-0-000-008.002`

Property Details

APN / Parcel Number

Primary APN	`52-09-31-0-000-008.002`
Alternative APNs	`390395` `323206` `89337`

Exterior

Lot Area	87,120 sqft (2 acres)
Lot Dimensions	491 ft deep x 177 ft wide

Location & Zoning

Account Number	390395
Street Address	11495 COUNTY ROAD 97
City	ELBERTA
State	AL
Zip	36530-6328
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	177.2' X 491.9' LOT 1 NORTH ROYAL ESTATES SUB SLIDE 2371-D SEC 31-T7S-R6E (CORR-WD/SURVIVORSHIP) IN#1978996 IN#1978642
Legal Subdivision	NORTH ROYAL ESTATES SUB
Legal Lot Number	1
Jurisdiction	BALDWIN AL
Township / Civil Division	ELBERTA
Census Block Group	3
Census Block	3006
Census Tract	11601

Owner

11495 Co Rd 97 is owned and occupied by two individuals who bought it in December 2025.

Source: Baldwin County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	11495 COUNTY ROAD 97, ELBERTA, AL 36530-6328
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 8, 2024	Deed of Trust, Mortgage · Construction Mortgage CLICK N CLOSE INC
Dec 5, 2025	Warranty Deed, Transfer · Conventional Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROU
Feb 16, 2022	Quit Claim Deed, Transfer Quitclaim
Feb 16, 2022	Warranty Deed, Transfer
Mar 11, 2022	Warranty Deed, Transfer
Oct 21, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 5, 2025 · Amount on File
Deed Sale	Dec 5, 2025 · Amount on File
Prior Sale	Mar 11, 2022 · Amount on File
Deed Document Number	20252224998
Prior Transfer Date	Feb 8, 2022
Prior Transfer Doc	0001978641
Record Updated	Oct 29, 2026

July 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALDWIN AL
Property Address	11495 COUNTY ROAD 97, ELBERTA, AL 36530-6328
Transaction Type	Mortgage
Record Updated	Apr 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002133816
Date	Jul 8, 2024
Instrument	2133816

Lender

Name	CLICK N CLOSE INC
Type	Mortgage Company
Address	ADDISON, TX 75001

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	370 Months
Due	May 1, 2055

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BALDWIN AL
Recording Date	Dec 5, 2025
Property Address	11495 COUNTY ROAD 97, ELBERTA, AL 36530-6328
Document Number	0002224998
Map Reference	SL 2371-D
Instrument Date	Dec 4, 2025
Instrument	2224998
Transaction Type	Transfer
Record Updated	Apr 16, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13450 COUNTY ROAD 91, ELBERTA, AL 36530-3624

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	11495 COUNTY ROAD 97, ELBERTA, AL 36530-6328

Mortgage

Document Number	0002224999
Date	Dec 5, 2025
Instrument	2224999

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE GROU
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

February 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BALDWIN AL
Recording Date	Feb 16, 2022
Property Address	11495 COUNTY ROAD 97, ELBERTA, AL 36530-6328
Document Number	0001978641
Map Reference	SL 2371-D
Instrument Date	Feb 8, 2022
Instrument	1978641
Transaction Type	Transfer
Record Updated	Apr 16, 2026

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2820 CLERF RD, ELLENSBURG, WA 98926-7705

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	524 E ZARAGOZA ST, PENSACOLA, FL 32502-6155

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BALDWIN AL
Recording Date	Feb 16, 2022
Property Address	11495 COUNTY ROAD 97, ELBERTA, AL 36530-6328
Document Number	0001978642
Map Reference	SL 2371-D
Instrument Date	Feb 7, 2022
Instrument	1978642
Transaction Type	Transfer
Record Updated	Apr 16, 2026

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	524 E ZARAGOZA ST, PENSACOLA, FL 32502-6155

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	10217 LYTTLETON LOOP, LILLIAN, AL 36549-5612

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BALDWIN AL
Recording Date	Mar 11, 2022
Property Address	11495 COUNTY ROAD 97, ELBERTA, AL 36530-6328
Document Number	0001984187
Map Reference	SL 2371-D
Instrument Date	Feb 7, 2022
Instrument	1984187
Transaction Type	Transfer
Record Updated	Apr 16, 2026

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	524 E ZARAGOZA ST, PENSACOLA, FL 32502-6155

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10217 LYHLETON LOOP, LILLIAN, AL 36549

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BALDWIN AL
Recording Date	Oct 21, 2020
Property Address	CO RD 97, ELBERTA, AL 36530
Document Number	0001865135
Instrument Date	Oct 30, 2019
Instrument	1865135
Transaction Type	Transfer
Record Updated	Nov 6, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$1.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

Tax Assessment & Valuation

The 2026 property tax bill for 11495 Co Rd 97 was $3,372, up 432.7% from the year before.

Source: Baldwin County assessment roll, as of April 16, 2026

Property Jurisdictions

Type	Name
State	Alabama
County	Baldwin County
Unified School District	Baldwin County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,372.00 (+432.7%)
2025	$633.00 (+3.6%)	$22,620 (+3.57%) Land $22,620	$113,100 (+3.57%) Land $113,100
2024	$611.00 (+51.24%)	$21,840 (+51.25%) Land $21,840	$109,200 (+51.25%) Land $109,200
2023	$404.00 (-18.55%)	$14,440 (-18.51%)	$72,200 (-18.51%) Land $72,200
2022	$496.00 (+11.96%)	$17,720	$88,600 Land $88,600
2021	$443.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 11495 Co Rd 97 in Zone X, an area of minimal flood risk, though there have been 189 flood claims nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective September 27, 2020 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 93 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	93 in force
Nearby Flood Claims	189 (1979–2020)
Claims Outside the SFHA	18 of 189
Most Recent Claim	Sep 2020 · river or lake flooding
Claims by Event	Hurricane Sally, Sep 2020 · 70 claims Hurricane Ivan, Sep 2004 · 53 claims Hurricane Georges, Sep 1998 · 36 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 11495 Co Rd 97 is moderate, ranking above 67% of the US, with a 0.3% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 67% of the US · above 87% of Alabama
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Point Broadband Fiber	1,000 / 1,000

May also be available: Verizon.

Nearby Properties on Co Rd 97

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures