26251 Fish Trap Rd, Elberta, AL 36530 Property Records

Baldwin County property record for 26251 Fish Trap Rd, Elberta, AL 36530

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,598 sqft · built 2019
Lot Size	4.38 acres (191,002 sqft)
Owner	Individual Name on File
Tax Bill	$3,121 (2026)
Deeds & Mortgages	May 2021 Mortgage Jan 2019 Construction Loan
Flood Zone	Zone AE (high risk)
APN	`62-05-16-0-000-001.006`

Property Details

APN / Parcel Number

Primary APN	`62-05-16-0-000-001.006`
Alternative APNs	`336252` `377464`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,598 sqft Heated Area
1st Floor Area	1,714 sqft
Upper Floors Area	884 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Fiber Cement Siding
Foundation Type	Pier/Post & Beam
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	191,002 sqft (4.38 acres)
Lot Width	125 ft Width
View / Lot	Waterfront / Beach

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	377464
Street Address	26251 FISH TRAP RD
City	ELBERTA
State	AL
Zip	36530-5826
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	254.9' X 475' IRR LOT 2 THE HAMMOCK PHASE THREE SLIDE 2447-B LYING IN THE CITY OF ELBERTA SEC 16-T8S-R5E (QCD)
Legal Subdivision	HAMMOCK PHASE THREE, THE
Legal Phase	3
Legal Lot Number	2
Jurisdiction	BALDWIN AL
Township / Civil Division	ELBERTA
Census Block Group	4
Census Block	4051
Census Tract	11601

Owner

26251 Fish Trap Rd is owned and occupied by an individual who acquired it in March 2021.

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

Owner of Record	Individual Name on File
Mailing Address	26251 FISH TRAP RD, ELBERTA, AL 36530-5826
Occupancy	Owner Occupied
Owner Type	Individual

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
May 17, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage REGIONS BANK
Jan 15, 2019	Reverse Mortgage, Construction Loan · Construction Mortgage REGIONS MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Mar 17, 2021
Transfer Doc	0001914733
Record Updated	Oct 29, 2026

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BALDWIN AL
Recording Date	May 17, 2021
Property Address	26251 FISH TRAP RD, ELBERTA, AL 36530-5826
Document Number	0001914733
Map Reference	SL 2447-B
Instrument Date	Mar 17, 2021
Instrument	1914733
Transaction Type	Transfer
Record Updated	Jun 29, 2023
Title Company	MORTGAGE CONNECT LP

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	26251 FISH TRAP RD, ELBERTA, AL 36530-5826

Mortgage

Document Number	0001914734
Date	May 17, 2021
Instrument	1914734

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Apr 1, 2051

January 2019: Reverse Mortgage, Construction Loan

Document Type	Reverse Mortgage
Jurisdiction	BALDWIN AL
Recording Date	Jan 15, 2019
Property Address	26251 FISH TRAP RD, ELBERTA, AL 36530-5826
Instrument Date	Jan 11, 2019
Instrument	1738754
Transaction Type	Construction Loan
Record Updated	Jan 31, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	26251 FISH TRAP RD LILLIAN AL 36549, LILLIAN, AL 36549

Mortgage

Document Number	0001738754
Date	Jan 15, 2019
Instrument	1738754

Lender

Name	REGIONS MTG
Type	Mortgage Company
Address	BIRMINGHAM, AL 35244

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 14, 2049

Interest

Rate	2.5%

Tax Assessment & Valuation

The 2026 property tax bill for 26251 Fish Trap Rd was $3,121 with a homeowner's exemption, up 7.1% 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	$3,121.00 (+7.1%) Homeowner's exemption
2025	$2,914.00	$89,680 Land $33,220 Building $56,460	$905,400 Land $335,400 Building $570,000
2023	$2,800.00 (+21.53%) Homeowner's exemption	$86,220 (+21.1%)	$862,100 (+21.1%) Land $282,700 Building $579,400
2022	$2,304.00 (+18.4%) Homeowner's exemption	$71,200	$711,900 Land $271,300 Building $440,600
2021	$1,946.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 26251 Fish Trap Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	10.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 179 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	179 in force
Nearby Flood Claims	319 (1979–2020)
Claims Outside the SFHA	36 of 319
Most Recent Claim	Sep 2020 · tidal / storm surge
Claims by Event	Hurricane Sally, Sep 2020 · 124 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, May 2014 · 40 claims Hurricane Ivan, Sep 2004 · 95 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 26251 Fish Trap Rd is high, ranking above 81% of the US, with a 0.5% annual chance of wildfire.

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

Wildfire Risk	High above 81% of the US · above 99.6% of Alabama
Wildfire Likelihood	0.5% 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 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: AT&T, T-Mobile.

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