6232 Co Rd 95, Elberta, AL 36530 Property Records

Baldwin County property record for 6232 Co Rd 95, Elberta, AL 36530

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,855 sqft · built 1992
Lot Size	0.31 acres (13,504 sqft)
Owner	2 Individual Names on File
Last Sale	$874,900 (Apr 2025)
Tax Bill	$5,578 (2026)
Deeds & Mortgages	Apr 2025 Sale & Mortgage
Flood Zone	Zone VE (high risk)
APN	`62-07-26-0-000-038`

Property Details

APN / Parcel Number

Primary APN	`62-07-26-0-000-038`
Alternative APNs	`342111` `57615`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,855 sqft Heated Area
1st Floor Area	1,351 sqft
Upper Floors Area	1,008 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Exterior Material	Wood Siding
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	13,504 sqft (0.31 acres)
Lot Dimensions	180 ft deep x 75 ft wide
View / Lot	Waterfront / Beach
Deck Area	Deck Area
Patio Area	312 sqft
Utility Building	96 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	342111
Street Address	6232 COUNTY ROAD 95
City	ELBERTA
State	AL
Zip	36530-5732
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	75'X180' PIRATES COVE SUB BLK B LOT 26 SEC 26-8-5 (WD) RP256 PG 725 IN# 160812
Legal Range	05
Legal Township	08
Legal Section	26
Legal Subdivision	PIRATES COVE
Legal Block	B
Legal Lot Number	26
Jurisdiction	BALDWIN AL
Township / Civil Division	ELBERTA
Census Block Group	3
Census Block	3044
Census Tract	11601

Owner

6232 Co Rd 95 is owned by two individuals who bought it in April 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	47252 EMMONS RD, BAY MINETTE, AL 36507-7847
Owner Type	Individual
Vesting	Joint Tenants

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 29, 2025 · Amount on File
Deed Sale	Apr 29, 2025 · Amount on File
Prior Sale	Dec 15, 2016 · Amount on File
Deed Document Number	20252184440
Prior Transfer Date	Nov 28, 2016
Prior Transfer Doc	0001608011
Record Updated	Oct 29, 2026

April 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BALDWIN AL
Recording Date	Apr 29, 2025
Property Address	6232 COUNTY ROAD 95, ELBERTA, AL 36530-5732
Document Number	0002184440
Instrument Date	Apr 28, 2025
Instrument	2184440
Transaction Type	Transfer
Record Updated	Apr 16, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7341 BRIDGEWOOD LN, SPANISH FORT, AL 36527-9057

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	47252 EMMONS RD, BAY MINETTE, AL 36507-7847

Mortgage

Document Number	0002184441
Date	Apr 29, 2025
Instrument	2184441

Lender

Name	UNITED BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 28, 2055

Tax Assessment & Valuation

The 2026 property tax bill for 6232 Co Rd 95 was $5,578, up 55.1% from the year before.

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

Property Jurisdictions

Type	Name
State	Alabama
County	Baldwin County
Unified School District	Baldwin County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,578.00 (+55.12%)
2025	$3,596.00	$128,440 Land $77,680 Building $50,760	$642,200 Land $388,400 Building $253,800
2023	$1,222.00 (+15.07%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$57,740 (+14.75%)	$577,200 (+14.71%) Land $327,400 Building $249,800
2022	$1,062.00 (+32.42%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$50,320	$503,200 Land $311,600 Building $191,600
2021	$802.00

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.

Flood

FEMA maps place 6232 Co Rd 95 in Zone VE, a high-risk coastal 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 VE high risk · coastal, wave action
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 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	Hurricane Sally, Sep 2020 · 70 claims Hurricane Ivan, Sep 2004 · 53 claims Hurricane Georges, Sep 1998 · 36 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 6232 Co Rd 95 is moderate, ranking above 47% of the US, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Moderate above 47% of the US · above 53% of Alabama
Wildfire Likelihood	0.05% annual chance
Exposure	None beyond ember reach

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 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000