Baldwin County property record for 28595 Frank Rd, Elberta, AL 36530
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 1 ba · 2,099 sqft · built 2014 |
| Lot Size | 17 acres (740,520 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $891 (2026) |
| Deeds & Mortgages | Jul 2024 Line of Credit Aug 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 53-06-14-0-000-016 |
| Primary APN | 53-06-14-0-000-016 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 2,099 sqft Heated Area |
| 1st Floor Area | 2,099 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 740,520 sqft (17 acres) |
| Utility Building | 240 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 190323 |
|---|---|
| Street Address | 28595 FRANK RD |
| City | ELBERTA |
| State | AL |
| Zip | 36530-3413 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | 17 AC(C) BEG AT THE SE COR OF SEC 14 RUN W 1912'(S), TH N 32'(S) TO THE N MAR OF FRANK RD FOR THE POB TH N 1293'(S), THW 772' |
| Jurisdiction | BALDWIN AL |
| Township / Civil Division | ELBERTA |
| Census Block Group | 1 |
| Census Block | 1039 |
| Census Tract | 11601 |
28595 Frank Rd, a rural home, is owned and occupied by two individuals.
Source: Baldwin County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 28585 FRANK RD, ELBERTA, AL 36530-3413 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Ux (and Wife) |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 3, 2024 | Deed of Trust, Mortgage · Line of Credit TRUSTMARK NATIONAL BANK |
| Aug 2, 2019 | Deed of Trust, Mortgage · Conventional Mortgage TRUSTMARK NAT'L BK |
| Feb 9, 2017 | Deed of Trust, Mortgage · Line of Credit TRUSTMARK NAT'L BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BALDWIN AL |
| Property Address | 28595 FRANK RD, ELBERTA, AL 36530-3413 |
| Transaction Type | Mortgage |
| Record Updated | Apr 16, 2026 |
| Name | Verified Name |
|---|---|
| Address | 28595 FRANK RD, ELBERTA, AL 36530-3413 |
| Document Number | 0002133749 |
|---|---|
| Date | Jul 3, 2024 |
| Instrument | 2133749 |
| Name | TRUSTMARK NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | FOLEY, AL 36535 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 59 Months |
| Due | Jun 4, 2029 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BALDWIN AL |
| Property Address | 28595 FRANK RD, ELBERTA, AL 36530-3413 |
| Document Number | 0001777002 |
| Instrument Date | Aug 2, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 28595 FRANK RD ELBERTA AL 365303413, ELBERTA, AL 36530-3413 |
| Document Number | 0001777002 |
|---|---|
| Date | Aug 9, 2019 |
| Instrument | 1777002 |
| Name | TRUSTMARK NAT'L BK |
|---|---|
| Type | Bank |
| Address | JACKSON, MS 39225 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 8, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BALDWIN AL |
| Property Address | 28595 FRANK RD, ELBERTA, AL 36530-3413 |
| Document Number | 0001623186 |
| Instrument Date | Feb 9, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Mar 28, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 28595 FRANK RD ELBERTA AL 365303413, ELBERTA, AL 36530-3413 |
| Document Number | 0001623186 |
|---|---|
| Date | Mar 17, 2017 |
| Instrument | 1623186 |
| Name | TRUSTMARK NAT'L BK |
|---|---|
| Type | Bank |
| Address | FOLEY, AL 36535 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Mar 16, 2027 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 28595 Frank Rd was $891 with a homeowner's exemption, up 7.3% 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 | $891.00 (+7.35%) Homeowner's exemption | ||
| 2025 | $830.00 | $31,260 Land $2,200 Building $29,060 | $533,900 Land $243,400 Building $290,500 |
| 2023 | $889.00 (+29.97%) Homeowner's exemption | $33,340 (+28.03%) | $461,300 (+9.55%) Land $148,000 Building $313,300 |
| 2022 | $684.00 (+16.13%) Homeowner's exemption | $26,040 | $421,100 Land $180,100 Building $241,000 |
| 2021 | $589.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 28595 Frank Rd in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1998.
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 |
|
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 28595 Frank Rd is moderate, ranking above 52% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 52% of the US · above 63% of Alabama |
|---|---|
| Wildfire Likelihood | 0.1% 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.
Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Verizon Fixed Wireless | 25 / 6 |
| AT&T Fixed Wireless | 25 / 3 |
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