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6540 Co Rd 95, Elberta, AL 36530 Property Records

Baldwin County property record for 6540 Co Rd 95, Elberta, AL 36530

Property Summary

Property TypeSingle Family Home
Details4 bd · 4 ba · 2,864 sqft · built 2005
Lot Size0.43 acres (18,731 sqft)
Owner2 Company Names on File
Tax Bill$3,524 (2026)
Deeds & MortgagesApr 2024 Mortgage
Jun 2019 Transfer
Flood ZoneZone AE (high risk)
APN62-07-26-0-000-022

Property Details

APN / Parcel Number

Primary APN62-07-26-0-000-022
Alternative APNs
  • 355609
  • 67245

Interior

Bedrooms4 Beds
Full Baths4 Baths
Stories2 Stories
Building Area2,864 sqft Heated Area
1st Floor Area1,775 sqft
Upper Floors Area1,089 sqft
FlooringHardwood
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2005
Effective Year BuiltEffective 2021
Exterior MaterialFiber Cement Siding
Foundation TypeSlab (Mat/Raft)
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area18,731 sqft (0.43 acres)
Lot Dimensions185 ft deep x 100 ft wide
View / LotWaterfront / Beach
Boat AccessBoat Access
Boat House240 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Account Number355609
Street Address6540 COUNTY ROAD 95
CityELBERTA
StateAL
Zip36530-5726
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description100' X 190' LOT 6 AND N 25' OF LOT 7 BLK B PIRATES COVE SUBUNRECORDED SEC 26-T8S-R5E (STAT DIST D)
Legal SubdivisionPIRATES COVE
Legal BlockB
Legal Lot Number6-7
JurisdictionBALDWIN AL
Township / Civil DivisionELBERTA
Census Block Group3
Census Block3044
Census Tract11601

Owner

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 Record2 Company Names on File
Mailing Address3701 TUTHILL PL, MOBILE, AL 36608-2035
Owner TypeCompany
VestingTrust, Family Trust

Deeds, Mortgages & Sale History

DateDocument
Apr 30, 2024Deed of Trust, Mortgage · Conventional Mortgage
GOLDMAN SACHS BANK USA
Jun 27, 2019Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMay 27, 2005
Deed SaleMay 27, 2005
Deed Document Number2005894794
Last Transfer DateJun 27, 2019
Transfer Doc0001768480
Record UpdatedOct 29, 2026

April 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBALDWIN AL
Property Address6540 COUNTY ROAD 95, PERDIDO BEACH, AL 36530-5726
Transaction TypeMortgage
Record UpdatedMay 13, 2024
Title CompanyFIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0002121218
DateApr 30, 2024
Instrument2121218
Lender
NameGOLDMAN SACHS BANK USA
TypeBank
AddressNEW YORK, NY 10282
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueMay 1, 2054
Interest
Rate TypeAdjustable Rate
Rate6.4%
AdjustableAdjustable Rate Rider
Type Change DateMay 1, 2031
Change Frequency6 Months
Min Rate At Change3%
Max Rate At Change11.4%
IndexSOFR Average 30-Day
Margin3
Max Rate11.4%

June 2019: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionBALDWIN AL
Recording DateJun 27, 2019
Property Address6540 COUNTY ROAD 95, PERDIDO BEACH, AL 36530-5726
Document Number0001768480
Instrument DateJun 27, 2019
Instrument1768480
Transaction TypeTransfer
Record UpdatedJul 8, 2019
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipPersonal Trust
Address3701 TUTHILL PL MOBILE AL 366082035, MOBILE, AL 36608-2035

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateAlabama
CountyBaldwin County
Unified School DistrictBaldwin County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$3,524.00 (+6.98%)
2025$3,294.00 (+3.32%)$117,660 (+3.34%) Land $46,760 Building $70,900$1,184,900 (+4.08%) Land $470,800 Building $714,100
2023$3,188.00 (+20.76%)$113,860 (+20.74%)$1,138,500 (+20.73%) Land $396,800 Building $741,700
2022$2,640.00 (+47.65%)$94,300$943,000 Land $378,200 Building $564,800
2021$1,788.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 27, 2020 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation9.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 93 policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies93 in force
Nearby Flood Claims189 (1979–2020)
Claims Outside the SFHA18 of 189
Most Recent ClaimSep 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

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

Wildfire RiskModerate
above 53% of the US · above 65% of Alabama
Wildfire Likelihood0.1% annual chance
ExposureDirect
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

ProviderMax Down / Up (Mbps)
AT&T
Fiber		5,000 / 5,000
Starlink
Satellite		280 / 30

May also be available: Brightspeed.

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