Baldwin County property record for 28548 Josephine Dr, Elberta, AL 36530
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 3,209 sqft · built 1970 |
| Lot Size | 1.76 acres (76,666 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,037 (2026) |
| Flood Zone | Zone AE (high risk) |
| APN | 62-06-23-0-000-010 |
| Primary APN | 62-06-23-0-000-010 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 3,209 sqft Heated Area |
| 1st Floor Area | 3,209 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 2021 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 76,666 sqft (1.76 acres) |
| Lot Dimensions | 320 ft deep x 200 ft wide |
| View / Lot | Waterfront / Beach |
| Garage Area | 1,152 sqft |
| Parking Spaces | 4 Parking Spaces |
| Boat Access | Boat Access |
| Boat House | 368 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 30111 |
|---|---|
| Street Address | 28548 JOSEPHINE DR |
| City | ELBERTA |
| State | AL |
| Zip | 36530-5740 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 200X320 PIRATES COVE SUB BLK E LOT 30-31 DB370 P105-106 |
| Legal Subdivision | PIRATES COVE |
| Legal Block | E |
| Legal Lot Number | 30-31 |
| Jurisdiction | BALDWIN AL |
| Township / Civil Division | ELBERTA |
| Census Block Group | 3 |
| Census Block | 3052 |
| Census Tract | 11601 |
28548 Josephine Dr is owned and occupied by two individuals who acquired it in November 2012.
Source: Baldwin County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 28548 JOSEPHINE DR, ELBERTA, AL 36530-5740 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Nov 29, 2012 |
| Transfer Doc | 0001374826 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 28548 Josephine Dr was $3,037, up 7% from the year before.
Source: Baldwin County assessment roll, as of April 16, 2026
| Type | Name |
|---|---|
| State | Alabama |
| County | Baldwin County |
| Unified School District | Baldwin County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,037.00 (+6.97%) | ||
| 2025 | $2,839.00 | $101,400 Land $66,320 Building $35,080 | $1,039,000 Land $679,700 Building $359,300 |
| 2023 | $1,096.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed | $51,900 (-26.98%) | $910,500 (+28.11%) Land $572,900 Building $337,600 |
| 2022 | $1,096.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed | $71,080 | $710,700 Land $451,800 Building $258,900 |
| 2021 | $1,096.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 28548 Josephine Dr 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 | 8.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| 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 |
|
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 risk around 28548 Josephine Dr is high, ranking above 76% of the US, with a 0.4% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 76% of the US · above 97.7% 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.
Source: FCC Broadband Data Collection, based on 53 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Brightspeed Fiber · DSL | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
| Verizon Fixed Wireless | 25 / 6 |
5G and 4G LTE (outdoors only)
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