6550 Co Rd 95, Elberta, AL 36530 Property Records

Baldwin County property record for 6550 Co Rd 95, Elberta, AL 36530

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,667 sqft · built 2020
Lot Size	0.34 acres (14,810 sqft)
Owner	Individual Name on File
Last Sale	$275,000 (May 2019)
Tax Bill	$5,999 (2025)
Deeds & Mortgages	May 2019 Sale Oct 2018 Sale & Line of Credit
Flood Zone	Zone AE (high risk)
APN	`62-07-26-0-000-021.005`

Property Details

APN / Parcel Number

Primary APN	`62-07-26-0-000-021.005`
Alternative APNs	`351484` `231864`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,667 sqft Heated Area
1st Floor Area	2,455 sqft
Upper Floors Area	212 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	14,810 sqft (0.34 acres)
Lot Dimensions	196 ft deep x 75 ft wide
View / Lot	Waterfront / Beach

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	231864
Street Address	6550 COUNTY ROAD 95
City	ELBERTA
State	AL
Zip	36530-5726
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	75' X 196.5' IRR LOT 5 JOSEPHINE PLACE SUB (PIRATES COVE) SLIDE 2493-E SEC 26-T8S-R5E (WD/SURVIVORSHIP)
Legal Subdivision	JOSEPHINE PLACE SUBDIVISION
Legal Lot Number	5
Jurisdiction	BALDWIN AL
Township / Civil Division	ELBERTA
Census Block Group	3
Census Block	3044
Census Tract	11601

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	5132 ROAD 139, BAY SAINT LOUIS, MS 39520-9481
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Date	Document
May 7, 2019	Warranty Deed, Transfer ATTORNEY ONLY
Oct 23, 2018	Warranty Deed, Transfer · Line of Credit ALABAMA CU

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 7, 2019 · Amount on Record
Deed Sale	May 7, 2019 · Amount on Record
Deed Document Number	20191758378
Record Updated	Jun 8, 2026

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BALDWIN AL
Recording Date	May 7, 2019
Property Address	6550 COUNTY ROAD 95, ELBERTA, AL 36530-5726
Document Number	0001758378
Instrument Date	Apr 24, 2019
Instrument	1758378
Transaction Type	Transfer
Record Updated	May 22, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$275.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	5132 ROAD 139 BAY ST LOUIS MA, LOUIS, MA

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BALDWIN AL
Recording Date	Oct 23, 2018
Property Address	6550 COUNTY ROAD 95, ELBERTA, AL 36530-5726
Document Number	0001726034
Instrument Date	Oct 19, 2017
Instrument	1726034
Transaction Type	Transfer
Record Updated	Nov 8, 2018
Title Company	OTHER

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$750.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 904 GULF SHORES AL 365470904, GULF SHORES, AL 36547-0904

Mortgage

Document Number	1726035
Date	Oct 23, 2018
Instrument	1726035

Lender

Name	ALABAMA CU
Type	Credit Union
Address	TUSCALOOSA, AL 35401

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Alabama
County	Baldwin County
Unified School District	Baldwin County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,999.00 (+4.44%)	$214,280 (+4.45%) Land $76,900 Building $137,380	$1,082,300 (+5.51%) Land $388,400 Building $693,900
2023	$5,744.00 (+21.62%)	$205,160 (+21.61%)	$1,025,800 (+21.61%) Land $327,400 Building $698,400
2022	$4,723.00 (+19.57%)	$168,700	$843,500 Land $311,600 Building $531,900
2021	$3,950.00

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 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 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	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 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.

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.

Cell Coverage

5G (outdoors only) and 4G LTE

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