6463 Co Rd 95, Elberta, AL 36530 Property Records

Baldwin County property record for 6463 Co Rd 95, Elberta, AL 36530

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 2,670 sqft · built 2003
Lot Size	0.44 acres (19,166 sqft)
Owner	Individual Name on File
Last Sale	$313,000 (Aug 2012)
Deeds & Mortgages	Mar 2020 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`62-07-26-0-000-040.017`

Property Details

APN / Parcel Number

Primary APN	`62-07-26-0-000-040.017`
Alternative APNs	`365236` `55279`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	2,670 sqft Heated Area
1st Floor Area	1,211 sqft
Upper Floors Area	770 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Fiber Cement Siding
Foundation Type	Pier/Post & Beam
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	19,166 sqft (0.44 acres)
Lot Dimensions	200 ft deep x 95 ft wide
View / Lot	Waterfront / Beach
Utility Building	220 sqft
Boat Access	Boat Access
Boat House	325 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	365236
Street Address	6463 COUNTY ROAD 95
City	ELBERTA
State	AL
Zip	36530-5721
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	95' X 200' LOT 12 UNIT 2 FIRST ADDN TO PIRATES COVE PB11 PG155 SEC 26-T8S-R5E (WDSURVIVORSHIP)
Legal Subdivision	PIRATES COVE
Legal Lot Number	12
Legal Unit	2
Jurisdiction	BALDWIN AL
Township / Civil Division	ELBERTA
Census Block Group	4
Census Block	4057
Census Tract	11601

Owner

6463 Co Rd 95 is owned and occupied by an individual who bought it in August 2012.

Source: Baldwin County records, as of April 16, 2026

Owner of Record	Individual Name on File
Mailing Address	6463 COUNTY ROAD 95, ELBERTA, AL 36530-5721
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 23, 2012 · Amount on File
Deed Sale	Aug 23, 2012 · Amount on File
Deed Document Number	20121355318
Prior Transfer Date	Aug 10, 2007
Prior Transfer Doc	0001078289
Record Updated	Oct 29, 2026

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BALDWIN AL
Recording Date	Mar 24, 2020
Property Address	6463 COUNTY ROAD 95, ELBERTA, AL 36530-5721
Document Number	0001819207
Instrument Date	Mar 23, 2020
Instrument	1819207
Transaction Type	Transfer
Record Updated	Apr 17, 2020
Title Company	PROFESSIONAL LAND TITLE COMPANY, PROFESSIONAL LAND TITLE CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$500.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3228 SPANISH AVE LILLIAN AL 36549, LILLIAN, AL 36549

Mortgage

Document Number	1819208
Date	Mar 24, 2020
Instrument	1819208

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 23, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Alabama
County	Baldwin County
Municipality	Orange Beach City
Unified School District	Orange Beach City School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$83,320 Land $24,340 Building $58,980	$842,000 Land $246,000 Building $596,000
2023	Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$85,900 (+21.02%)	$858,900 (+21.04%) Land $282,700 Building $576,200
2022	Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$70,980	$709,600 Land $270,900 Building $438,700

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 6463 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 179 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	179 in force
Nearby Flood Claims	319 (1979–2020)
Claims Outside the SFHA	36 of 319
Most Recent Claim	Sep 2020 · tidal / storm surge
Claims by Event	Hurricane Sally, Sep 2020 · 124 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, May 2014 · 40 claims Hurricane Ivan, Sep 2004 · 95 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 6463 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.

Internet Providers

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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