Baldwin County property record for 6448 Co Rd 95, Elberta, AL 36530
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 3,258 sqft · built 2023 |
| Lot Size | 0.3 acres (13,068 sqft) |
| Owner | Individual Name on File |
| Last Sale | $300,000 (Apr 2021) |
| Tax Bill | $4,145 (2026) |
| Deeds & Mortgages | Oct 2022 Mortgage Apr 2021 Sale & Line of Credit |
| Flood Zone | Zone AE (high risk) |
| APN | 62-07-26-0-000-028 |
| Primary APN | 62-07-26-0-000-028 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 3,258 sqft Heated Area |
| 1st Floor Area | 1,968 sqft |
| Upper Floors Area | 1,290 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Exterior Material | Fiber Cement Siding |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 13,068 sqft (0.3 acres) |
| Lot Dimensions | 175 ft deep x 75 ft wide |
| View / Lot | Waterfront / Beach |
| Boat House | 323 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 387416 |
|---|---|
| Street Address | 6448 COUNTY ROAD 95 |
| City | ELBERTA |
| State | AL |
| Zip | 36530-5728 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 75' X 170' PIRATES COVE SUB BLK B LOT 13 UNREC SUB SEC 26-T8S-R5E (WD/SURVIVORSHIP) |
| Legal Subdivision | PIRATES COVE |
| Legal Block | B |
| Legal Lot Number | 13 |
| Jurisdiction | BALDWIN AL |
| Township / Civil Division | ELBERTA |
| Census Block Group | 3 |
| Census Block | 3044 |
| Census Tract | 11601 |
6448 Co Rd 95 is owned 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 | 11060 COUNTY ROAD 54, DAPHNE, AL 36526-8400 |
| 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.
| Date | Document |
|---|---|
| Oct 6, 2022 | Deed of Trust, Mortgage · Commercial Mortgage RIVER BANK & TRUST |
| Apr 23, 2021 | Warranty Deed, Transfer · Line of Credit ALABAMA AG CREDIT ACA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 23, 2021 · Amount on File |
| Deed Sale | Apr 23, 2021 · Amount on File |
| Prior Sale | Dec 3, 2009 |
| Deed Document Number | 20211908225 |
| Prior Transfer Date | Nov 25, 2009 |
| Prior Transfer Doc | 0001210058 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BALDWIN AL |
| Property Address | 6448 COUNTY ROAD 95, ELBERTA, AL 36530-5728 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2023 |
| Name | Verified Name |
|---|---|
| Address | 11060 COUNTY ROAD 54, DAPHNE, AL 36526-8400 |
| Document Number | 0002027598 |
|---|---|
| Date | Oct 6, 2022 |
| Instrument | 2027598 |
| Name | RIVER BANK & TRUST |
|---|---|
| Type | Bank |
| Address | DAPHNE, AL 36526 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 375 Months |
| Due | Jan 5, 2054 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BALDWIN AL |
| Recording Date | Apr 23, 2021 |
| Property Address | 6448 COUNTY ROAD 95, ELBERTA, AL 36530-5728 |
| Document Number | 0001908225 |
| Instrument Date | Apr 21, 2021 |
| Instrument | 1908225 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2023 |
| 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 | 141 STRATFORD ST, FAIRHOPE, AL 36532-7436 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 11060 COUNTY ROAD 54, DAPHNE, AL 36526-8400 |
| Document Number | 0001908226 |
|---|---|
| Date | Apr 23, 2021 |
| Instrument | 1908226 |
| Name | ALABAMA AG CREDIT ACA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | May 1, 2036 |
The 2026 property tax bill for 6448 Co Rd 95 was $4,145, down 45.2% 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 | $4,145.00 (-45.21%) | ||
| 2025 | $7,565.00 | $270,200 Land $76,940 Building $193,260 | $1,364,100 Land $388,400 Building $975,700 |
| 2023 | $2,670.00 (+11.9%) Additional exemption filed | $95,380 (+11.92%) | $476,900 (+11.92%) Land $327,400 Building $149,500 |
| 2022 | $2,386.00 (+333.03%) Additional exemption filed | $85,220 | $426,100 Land $311,600 Building $114,500 |
| 2021 | $551.00 |
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 6448 Co Rd 95 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 | 9.0 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 6448 Co Rd 95 is moderate, ranking above 53% 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 53% of the US · above 65% of Alabama |
|---|---|
| Wildfire Likelihood | 0.1% 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 |
| Starlink Satellite | 280 / 30 |
May also be available: Brightspeed.
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