26178 Frank Rd, Elberta, AL 36530 Property Records

Baldwin County property record for 26178 Frank Rd, Elberta, AL 36530

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,421 sqft · built 2021
Lot Size	3 acres (130,680 sqft)
Owner	2 Trust Names on Record
Last Sale	$225,000 (Sep 2018)
Tax Bill	$717 (2026)
Deeds & Mortgages	Nov 2022 Line of Credit Aug 2022 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`53-05-21-0-000-004.004`

Property Details

APN / Parcel Number

Primary APN	`53-05-21-0-000-004.004`
Alternative APNs	`113241` `349693`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,421 sqft Heated Area
1st Floor Area	1,421 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Pier/Post & Beam
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	130,680 sqft (3 acres)
Lot Dimensions	586 ft deep x 221 ft wide
Garage Type	Carport
Carport	Carport
Deck Area	Deck Area
Utility Building	312 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	349693
Street Address	26178 FRANK RD
City	ELBERTA
State	AL
Zip	36530-3402
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	221.9' X 586.9' COM AT THE NW COR OF SEC 21 RUN TH 594.88',S 40' FOR POB TH RUN E 221.99', S 586.85', W 221.99', N 586.85' TO
Legal Subdivision	SURVEY OF 96.4 ACRES OF LAND +
Jurisdiction	BALDWIN AL
Township / Civil Division	ELBERTA
Census Block Group	1
Census Block	1048
Census Tract	11601

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Trust Names on Record
Mailing Address	26178 FRANK RD, ELBERTA, AL 36530-3402
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK INC
Aug 8, 2022	Warranty Deed, Transfer
Aug 5, 2021	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Sep 21, 2018	Warranty Deed, Transfer · FHA Mortgage HAMILTON MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 21, 2018 · Amount on Record
Deed Sale	Sep 21, 2018 · Amount on Record
Prior Sale	Dec 21, 2015 · Amount on Record
Deed Document Number	20181721138
Last Transfer Date	Jun 15, 2022
Transfer Doc	0002016616
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALDWIN AL
Property Address	26178 FRANK RD, ELBERTA, AL 36530-3402
Transaction Type	Mortgage
Record Updated	Nov 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	26178 FRANK RD, ELBERTA, AL 36530-3402

Mortgage

Document Number	0002034292
Date	Nov 17, 2022
Instrument	2034292

Lender

Name	CITIZENS BANK INC
Type	Bank
Address	35536

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BALDWIN AL
Recording Date	Aug 8, 2022
Property Address	26178 FRANK RD, ELBERTA, AL 36530-3402
Document Number	0002016616
Instrument Date	Jun 15, 2022
Instrument	2016616
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Verified / From Affidavit

Transferred From (Grantor/Seller)

Name	Verified Name
Address	26178 FRANK RD, 26178, ELBERTA, AL 36530-3402

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	26178 FRANK RD, ELBERTA, AL 36530-3402

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALDWIN AL
Property Address	26178 FRANK RD, ELBERTA, AL 36530-3402
Transaction Type	Mortgage
Record Updated	Mar 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001934045
Date	Aug 5, 2021
Instrument	1934045

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BALDWIN AL
Recording Date	Sep 21, 2018
Property Address	26178 FRANK RD, ELBERTA, AL 36530-3402
Document Number	0001721138
Instrument Date	Sep 15, 2018
Instrument	1721138
Transaction Type	Transfer
Record Updated	Mar 29, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$19.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 3355, MONTROSE, CO 81402-3355

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 894, FOLEY, AL 36536-0894

Mortgage

Document Number	0001721139
Date	Sep 21, 2018
Instrument	1721139

Lender

Name	HAMILTON MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2048

Tax Assessment & Valuation

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	$717.00 (+7.17%) Homeowner's exemption Senior Citizen's exemption
2025	$669.00 (+5.19%)	$32,020 (+4.98%) Land $9,860 Building $22,160	$320,000 (+4.99%) Land $98,600 Building $221,400
2023	$636.00 (+26.95%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$30,500 (+25.93%)	$304,800 (+25.9%) Land $84,500 Building $220,300
2022	$501.00 (+21.9%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$24,220	$242,100 Land $72,600 Building $169,500
2021	$411.00

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

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	8 (1998–2020)
Claims Outside the SFHA	8 of 8
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Sally, Sep 2020 · 3 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Apr 2014 · 2 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

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

Wildfire Risk	Low lower than 62% of the US · lower than 74% of Alabama
Wildfire Likelihood	0.07% annual chance
Exposure	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T Fixed Wireless	25 / 3

May also be available: Point Broadband.

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