Baldwin County property record for 515 Polo Trce, Daphne, AL 36526
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 2,829 sqft · built 1993 |
| Lot Size | 0.243 acres (10,593 sqft) |
| Owner | Individual Name on File |
| Last Sale | $330,250 (Apr 2021) |
| Tax Bill | $2,765 (2026) |
| Deeds & Mortgages | Apr 2021 Sale & Mortgage Apr 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 43-04-41-0-004-003.008 |
| Primary APN | 43-04-41-0-004-003.008 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,829 sqft Heated Area |
| 1st Floor Area | 2,829 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1993 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 10,593 sqft (0.243 acres) |
| Lot Dimensions | 228 ft deep x 46.3 ft wide |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 326609 |
|---|---|
| Street Address | 515 POLO TRCE |
| City | DAPHNE |
| State | AL |
| Zip | 36526-4540 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 46.37' X 228.30' IRR LOT 8 POLO TRACE SUBDIVISION SLIDE 1285A GR SEC 41-T5S-R2E (WD/SURVIVORSHIP) |
| Legal Subdivision | POLO TRACE SUBDIVISION |
| Legal Lot Number | 8 |
| Jurisdiction | BALDWIN AL |
| Township / Civil Division | DAPHNE |
| Census Block Group | 2 |
| Census Block | 2035 |
| Census Tract | 10800 |
515 Polo Trce is owned and occupied by an individual who bought it in April 2021.
Source: Baldwin County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 515 POLO TRCE, DAPHNE, AL 36526-4540 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Al (and Others) |
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 |
|---|---|
| Apr 16, 2021 | Warranty Deed, Transfer · Closed-End Mortgage FIRST NATIONAL BANK & TRUST |
| Apr 8, 2020 | Deed of Trust, Mortgage · VA Mortgage MR COOPER |
| May 8, 2019 | Deed of Trust, Mortgage · VA Mortgage BANK OF ENGLAND |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 16, 2021 · Amount on File |
| Deed Sale | Apr 16, 2021 · Amount on File |
| Deed Document Number | 20211906447 |
| Prior Transfer Date | Jun 11, 2007 |
| Prior Transfer Doc | 0001056671 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BALDWIN AL |
| Recording Date | Apr 16, 2021 |
| Property Address | 515 POLO TRCE, DAPHNE, AL 36526-4540 |
| Document Number | 0001906447 |
| Map Reference | SL 1285-A |
| Instrument Date | Apr 12, 2021 |
| Instrument | 1906447 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2023 |
| Title Company | PROFESSIONAL LAND TITLE SERVICES, PROFESSIONAL LAND TITLE INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 515 POLO TRCE, DAPHNE, AL 36526-4540 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 515 POLO TRCE, DAPHNE, AL 36526-4540 |
| Document Number | 0001906448 |
|---|---|
| Date | Apr 16, 2021 |
| Instrument | 1906448 |
| Name | FIRST NATIONAL BANK & TRUST |
|---|---|
| Type | Bank |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 12, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BALDWIN AL |
| Property Address | 515 POLO TRCE, DAPHNE, AL 36526-4540 |
| Document Number | 0001823707 |
| Instrument Date | Apr 8, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 1, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 515 POLO TRCE DAPHNE AL 365264540, DAPHNE, AL 36526-4540 |
| Document Number | 0001823707 |
|---|---|
| Date | Apr 20, 2020 |
| Instrument | 1823707 |
| Name | MR COOPER |
|---|---|
| Address | DALLAS, TX 75219 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 19, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BALDWIN AL |
| Property Address | 515 POLO TRCE, DAPHNE, AL 36526-4540 |
| Document Number | 0001762067 |
| Instrument Date | May 8, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jun 10, 2019 |
| Title Company | NATIONS FIRST TITLE AGENCY, NATIONS DIRECT TITLE AGENCY |
| Name | Verified Name |
|---|---|
| Address | 515 POLO TRCE DAPHNE AL 365264540, DAPHNE, AL 36526-4540 |
| Document Number | 0001762067 |
|---|---|
| Date | May 28, 2019 |
| Instrument | 1762067 |
| Name | BANK OF ENGLAND |
|---|---|
| Type | Bank |
| Address | LITTLE ROCK, AR 72201 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 27, 2049 |
The 2026 property tax bill for 515 Polo Trce was $2,765 with a homeowner's exemption, up 7.1% from the year before.
Source: Baldwin County assessment roll, as of April 16, 2026
| Type | Name |
|---|---|
| State | Alabama |
| County | Baldwin County |
| Municipality | Daphne City |
| Unified School District | Baldwin County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,765.00 (+7.09%) Homeowner's exemption | ||
| 2025 | $2,582.00 | $57,120 Land $18,620 Building $38,500 | $571,100 Land $186,200 Building $384,900 |
| 2023 | $2,072.00 (+23.19%) Homeowner's exemption | $46,040 (+14.58%) | $460,400 (+14.61%) Land $117,600 Building $342,800 |
| 2022 | $1,682.00 (+10.08%) Homeowner's exemption | $40,180 | $401,700 Land $120,800 Building $280,900 |
| 2021 | $1,528.00 |
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.
FEMA maps place 515 Polo Trce in Zone X, an area of minimal flood risk, though there have been 84 flood claims nearby since 1979.
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 |
| Flood Insurance Cost | Premium on File median of 66 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 66 in force |
| Nearby Flood Claims | 84 (1979–2024) |
| Claims Outside the SFHA | 25 of 84 |
| Most Recent Claim | May 2024 · rainfall accumulation |
| 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 515 Polo Trce is moderate, ranking above 57% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 57% of the US · above 73% of Alabama |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF DAPHNE, UTILITIES BOARD OF THE serves 33,372 people · EPA ID AL0000029 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | 2 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 5 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 129 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| C Spire Wireless Fiber | 8,000 / 8,000 |
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Mediacom Xtream Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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