12832 Main St, Elberta, AL 36530 Property Records

Baldwin County property record for 12832 Main St, Elberta, AL 36530

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,850 sqft · built 1950
Lot Size	0.445 acres (19,400 sqft)
Owner	Individual Name on File
Last Sale	$265,000 (Aug 2023)
Tax Bill	$776 (2026)
Deeds & Mortgages	Oct 2025 Mortgage Aug 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`53-09-29-2-000-021`

Property Details

APN / Parcel Number

Primary APN	`53-09-29-2-000-021`
Alternative APNs	`534483` `316188` `31772`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,850 sqft Heated Area
1st Floor Area	1,850 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1950
Effective Year Built	Effective 2015
Exterior Material	Vinyl
Foundation Type	Pier/Post & Beam
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	19,400 sqft (0.445 acres)
Lot Dimensions	200 ft deep x 97 ft wide
Parking Spaces	1 Parking Space
Utility Building	254 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	534483
Street Address	12832 MAIN ST
City	ELBERTA
State	AL
Zip	36530-2508
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	97' X 200' BEG 437' N OF SW COR NW1/4 OF NW1/4 OF SEC 29 RUN TH E 225', N97', W 225', S 97' TO POB SEC 29-T7S-R5E
Jurisdiction	BALDWIN AL
Township / Civil Division	ELBERTA
Census Block Group	2
Census Block	2036
Census Tract	11601

Owner

12832 Main St is owned and occupied by an individual who bought it in August 2023.

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

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

Owner of Record	Individual Name on File
Mailing Address	12832 MAIN ST, ELBERTA, AL 36530-2508
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 2, 2025	Deed of Trust, Mortgage · FHA Mortgage PROSPERITY HOME MORTGAGE LLC
Aug 29, 2023	Warranty Deed, Transfer · FHA Mortgage PROSPERITY HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 29, 2023 · Amount on File
Deed Sale	Aug 29, 2023 · Amount on File
Prior Sale	Dec 3, 2015 · Amount on File
Deed Document Number	20232083009
Prior Transfer Date	Oct 6, 2015
Prior Transfer Doc	0001545959
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALDWIN AL
Property Address	12832 MAIN ST, ELBERTA, AL 36530-2508
Transaction Type	Mortgage
Record Updated	Oct 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12832 MAIN ST, ELBERTA, AL 36530-2508

Mortgage

Document Number	0002213662
Date	Oct 2, 2025
Instrument	2213662

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company
Address	FAIRFAX, VA 22031

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2055

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BALDWIN AL
Recording Date	Aug 29, 2023
Property Address	12832 MAIN ST, ELBERTA, AL 36530-2508
Document Number	0002083009
Instrument Date	Aug 25, 2023
Instrument	2083009
Transaction Type	Transfer
Record Updated	Sep 11, 2023

Transaction

Amount	Amount 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	2886 ESLAVA CIR, LILLIAN, AL 36549-5230

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	12832 MAIN ST, ELBERTA, AL 36530-2508

Mortgage

Document Number	0002083010
Date	Aug 29, 2023
Instrument	2083010

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

Mortgage

Document Number	0002083011
Date	Aug 29, 2023
Instrument	2083011

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company
Address	CHANTILLY, VA 20151

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	Sep 1, 2033

Tax Assessment & Valuation

The 2026 property tax bill for 12832 Main St was $776 with a homeowner's exemption, up 7.5% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$776.00 (+7.48%) Homeowner's exemption
2025	$722.00	$23,260 Land $2,980 Building $20,280	$232,400 Land $29,700 Building $202,700
2023	$570.00 (+28.67%) Homeowner's exemption	$18,660 (+26.08%)	$186,500 (+26.1%) Land $34,200 Building $152,300
2022	$443.00 (+15.67%) Homeowner's exemption	$14,800	$147,900 Land $30,800 Building $117,100
2021	$383.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 12832 Main St in Zone X, an area of minimal flood risk, though there have been 47 flood claims nearby since 1995.

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 19 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	19 in force
Nearby Flood Claims	47 (1995–2021)
Claims Outside the SFHA	30 of 47
Most Recent Claim	Jul 2021 · river or lake flooding
Claims by Event	Hurricane Sally, Sep 2020 · 14 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Apr 2014 · 12 claims Hurricane Ivan, Sep 2004 · 5 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 12832 Main St is moderate, ranking above 42% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 42% of the US · above 43% of Alabama
Wildfire Likelihood	0.08% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 219 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Point Broadband Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Brightspeed.

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