28535 Harbor Ct, Elberta, AL 36530 Property Records

Baldwin County property record for 28535 Harbor Ct, Elberta, AL 36530

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,306 sqft · built 1999
Lot Size	0.53 acres (23,087 sqft)
Owner	Individual Name on Record
Tax Bill	$4,014 (2026)
Deeds & Mortgages	Jul 2020 Line of Credit Jul 2020 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`62-07-26-0-000-040.044`

Property Details

APN / Parcel Number

Primary APN	`62-07-26-0-000-040.044`
Alternative APNs	`215252` `334788` `39982`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	3,306 sqft Heated Area
1st Floor Area	2,204 sqft
Upper Floors Area	1,102 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2021
Exterior Material	Fiber Cement Siding
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	23,087 sqft (0.53 acres)
Lot Dimensions	329 ft deep x 70 ft wide
View / Lot	Waterfront / Beach
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	39982
Street Address	28535 HARBOR CT
City	ELBERTA
State	AL
Zip	36530-5715
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	70'(S) X 340'(S) 329.8'(D) IRR LOT 5 JOSEPHINE HARBOR SUB SLIDE 1706-B MS90 PG1042 SEC 26-T8S-R5E (WD/SURVIVORSHIP)
Legal Subdivision	JOSEPHINE HARBOR SUB
Legal Lot Number	5
Jurisdiction	BALDWIN AL
Township / Civil Division	ELBERTA
Census Block Group	4
Census Block	4057
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	Individual Name on Record
Mailing Address	6537 VIA DE LA ROSA, DAPHNE, AL 36526-3812
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2020	Deed of Trust, Mortgage · Line of Credit BRYANT BANK
Jul 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage BRYANT BANK
Mar 23, 2017	Warranty Deed, Transfer · Line of Credit BRYANT BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 23, 2017
Deed Sale	Mar 23, 2017
Deed Document Number	20171624040
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALDWIN AL
Property Address	28535 HARBOR CT, PERDIDO BEACH, AL 36530-5715
Transaction Type	Mortgage
Record Updated	Oct 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001846123
Date	Jul 29, 2020
Instrument	1846123

Lender

Name	BRYANT BANK
Type	Bank
Address	36626

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALDWIN AL
Property Address	28535 HARBOR CT, PERDIDO BEACH, AL 36530-5715
Transaction Type	Mortgage
Record Updated	Oct 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001846122
Date	Jul 29, 2020
Instrument	1846122

Lender

Name	BRYANT BANK
Type	Bank
Address	BIRMINGHAM, AL 35209

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BALDWIN AL
Recording Date	Mar 23, 2017
Property Address	28535 HARBOR CT, PERDIDO BEACH, AL 36530-5715
Document Number	0001624040
Map Reference	SL1706B
Instrument Date	Mar 20, 2017
Instrument	1624040
Transaction Type	Transfer
Record Updated	Oct 21, 2022

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3721 MONTROSE RD, 3721, MOUNTAIN BRK, AL 35213-3831

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	607 MAXWELL AVE, DAPHNE, AL 36526-4053

Mortgage

Document Number	0001624042
Date	Mar 23, 2017
Instrument	1624042

Lender

Name	BRYANT BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Mortgage

Document Number	0001624041
Date	Mar 23, 2017
Instrument	1624041

Lender

Name	BRYANT BANK
Type	Bank
Address	BIRMINGHAM, AL 35209

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Alabama
County	Baldwin County
Municipality	Orange Beach City
Unified School District	Orange Beach City School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,014.00 (+6.98%)
2025	$3,752.00 (+2.32%)	$134,000 (+2.31%) Land $41,320 Building $92,680	$1,351,900 (+3.23%) Land $416,900 Building $935,000
2023	$3,667.00 (+23.09%)	$130,980 (+23.1%)	$1,309,600 (+23.09%) Land $351,400 Building $958,200
2022	$2,979.00 (+45.25%)	$106,400	$1,063,900 Land $334,200 Building $729,700
2021	$2,051.00

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

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	8.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record 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

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	0.4% 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 24 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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