Baldwin County property record for 6512 Co Rd 95, Elberta, AL 36530
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,706 sqft · built 1958 |
| Lot Size | 0.41 acres (17,860 sqft) |
| Owner | Company Name on File |
| Last Sale | $350,000 (Aug 2014) |
| Tax Bill | $1,325 (2026) |
| Deeds & Mortgages | Feb 2023 Mortgage Dec 2022 Transfer |
| Flood Zone | Zone AE (high risk) |
| APN | 62-07-26-0-000-023 |
| Primary APN | 62-07-26-0-000-023 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,706 sqft Heated Area |
| 1st Floor Area | 1,706 sqft |
| Flooring | Hardwood |
| Interior Walls | Plywood |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 2022 |
| Exterior Material | Fiber Cement Siding |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 17,860 sqft (0.41 acres) |
| Lot Dimensions | 180 ft deep x 100 ft wide |
| View / Lot | Waterfront / Beach |
| Boat Access | Boat Access |
| Boat House | 360 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 527369 |
|---|---|
| Street Address | 6512 COUNTY ROAD 95 |
| City | ELBERTA |
| State | AL |
| Zip | 36530-5726 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 100' X 180' PIRATES COVE SUB BLK B S 50' OF LOT 7 & N 50' OF LOT 8 UNRECORDED SUB SEC 26-T8S-R5E |
| Legal Subdivision | PIRATES COVE |
| Legal Block | B |
| Legal Lot Number | 7-8 |
| Jurisdiction | BALDWIN AL |
| Township / Civil Division | ELBERTA |
| Census Block Group | 3 |
| Census Block | 3044 |
| Census Tract | 11601 |
6512 Co Rd 95 is owned by a company that bought it in August 2014 and is owner-occupied.
Source: Baldwin County records, as of October 20, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 6512 COUNTY ROAD 95, ELBERTA, AL 36530-5726 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Life Estate |
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 |
|---|---|
| Feb 22, 2023 | Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK |
| Dec 28, 2022 | Intrafamily Transfer, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 20, 2014 · Amount on File |
| Deed Sale | Aug 20, 2014 · Amount on File |
| Deed Document Number | 20141473149 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BALDWIN AL |
| Property Address | 6512 COUNTY ROAD 95, ELBERTA, AL 36530-5726 |
| Transaction Type | Mortgage |
| Record Updated | Mar 2, 2023 |
| Name | Verified Name |
|---|---|
| Address | 6512 COUNTY ROAD 95, ELBERTA, AL 36530-5726 |
| Document Number | 0002048472 |
|---|---|
| Date | Feb 22, 2023 |
| Instrument | 2048472 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35244 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Mar 1, 2033 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.37% |
| Max Rate At Change | 11% |
| Index | Other |
| Max Rate | 11% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BALDWIN AL |
| Recording Date | Dec 28, 2022 |
| Property Address | 6512 COUNTY ROAD 95, ELBERTA, AL 36530-5726 |
| Document Number | 0002040389 |
| Instrument Date | Dec 21, 2022 |
| Instrument | 2040389 |
| Transaction Type | Transfer |
| Record Updated | Jan 9, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 6512 COUNTY ROAD 95, ELBERTA, AL 36530-5726 |
The 2026 property tax bill for 6512 Co Rd 95 was $1,325 with exemptions applied.
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 | $1,325.00 Homeowner's exemption Senior Citizen's exemption | ||
| 2025 | $1,325.00 | $62,540 Land $39,680 Building $22,860 | $855,000 Land $470,800 Building $384,200 |
| 2023 | $60,000 (+19.66%) | $599,800 (+19.63%) Land $396,800 Building $203,000 | |
| 2022 | $1,403.00 | $50,140 | $501,400 Land $378,200 Building $123,200 |
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 6512 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 6512 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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