Baldwin County property record for 6527 Co Rd 95, Elberta, AL 36530
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,919 sqft · built 1991 |
| Lot Size | 0.44 acres (19,166 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $4,768 (2026) |
| Deeds & Mortgages | Feb 2022 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 62-07-26-0-000-040.020 |
| Primary APN | 62-07-26-0-000-040.020 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,919 sqft Heated Area |
| 1st Floor Area | 1,737 sqft |
| Upper Floors Area | 1,182 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 2021 |
| Exterior Material | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 19,166 sqft (0.44 acres) |
| Lot Dimensions | 200 ft deep x 95 ft wide |
| View / Lot | Waterfront / Beach |
| Boat Access | Boat Access |
| Boat House | 630 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 512708 |
|---|---|
| Street Address | 6527 COUNTY ROAD 95 |
| City | ELBERTA |
| State | AL |
| Zip | 36530-5723 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 95' X 200' LOT 15 UNIT 2 1ST ADD TO PIRATES COVE PB11 PG155SEC 26-T8S-R5E (QCD/SURVIVORSHIP) |
| Legal Subdivision | PIRATES COVE |
| Legal Lot Number | 15 |
| Legal Unit | 21 |
| Jurisdiction | BALDWIN AL |
| Township / Civil Division | ELBERTA |
| Census Block Group | 4 |
| Census Block | 4057 |
| Census Tract | 11601 |
Source: Baldwin County records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 6527 COUNTY ROAD 95, ELBERTA, AL 36530-5723 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Ux (and Wife) |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Dec 28, 2021 |
| Transfer Doc | 0001980015 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BALDWIN AL |
| Recording Date | Feb 23, 2022 |
| Property Address | 6527 COUNTY ROAD 95, PERDIDO BEACH, AL 36530-5723 |
| Document Number | 0001980015 |
| Map Reference | MB 11 PG 155 |
| Instrument Date | Dec 28, 2021 |
| Instrument | 1980015 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2023 |
| Title Company | STEWART TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 6527 COUNTY ROAD 95, ELBERTA, AL 36530-5723 |
| Document Number | 0001980016 |
|---|---|
| Date | Feb 23, 2022 |
| Instrument | 1980016 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 347 Months |
| Due | Jan 1, 2051 |
Source: Baldwin County assessment roll, as of April 16, 2026
| Type | Name |
|---|---|
| State | Alabama |
| County | Baldwin County |
| Municipality | Orange Beach City |
| Unified School District | Orange Beach City School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,768.00 (+7%) | ||
| 2025 | $4,456.00 (-7.09%) | $159,160 (-7.09%) Land $48,660 Building $110,500 | $804,800 (-5.61%) Land $246,000 Building $558,800 |
| 2023 | $4,796.00 (+141.01%) | $171,300 (+140.93%) | $852,600 (+19.95%) Land $282,700 Building $569,900 |
| 2022 | $1,990.00 (+75.18%) | $71,100 | $710,800 Land $270,900 Building $439,900 |
| 2021 | $1,136.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 59% of the US · above 76% of Alabama |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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.
5G (outdoors only) and 4G LTE
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