1002 Bluff Rd, Apalachicola, FL 32320 Property Records

Franklin County property record for 1002 Bluff Rd, Apalachicola, FL 32320

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,870 sqft · built 2000
Lot Size	0.819 acres (35,719 sqft)
Owner	Individual Name on File
Last Sale	$242,000 (Feb 2021)
Tax Bill	$2,812 (2025)
Deeds & Mortgages	Jul 2018 Mortgage Feb 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-09S-08W-0000-0010-0000`

Property Details

APN / Parcel Number

Primary APN	`02-09S-08W-0000-0010-0000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,870 sqft Heated Area
Gross Area	2,826 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Exterior Material	Brick Veneer
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	35,719 sqft (0.819 acres)
Garage Area	560 sqft
Porch	Open Porch
Porch Area	596 sqft
Storage Building	124 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1002 BLUFF RD
City	APALACHICOLA
State	FL
Zip	32320-1114
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	26 X 234 X 349 X 145 IN THE NW 1/4 LESS 0.159 AC TO COUNTY OR 132/20 OR/105/554 OR/317/324 OR/320/320 ALSO 0.176 AC FROM COUN
Legal Range	08W
Legal Township	09S
Legal Section	02
Jurisdiction	FRANKLIN FL
Township / Civil Division	APALACHICOLA
Census Block Group	1
Census Block	1033
Census Tract	970302

Owner

1002 Bluff Rd is owned and occupied by an individual who bought it in February 2021.

Source: Franklin County records, as of January 5, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1002 BLUFF RD, APALACHICOLA, FL 32320-1114
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Jul 18, 2018	Deed of Trust, Mortgage · Commercial Mortgage SUNTRUST BANK
Feb 8, 2021	Warranty Deed, Transfer · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 8, 2021 · Amount on File
Deed Sale	Feb 8, 2021 · Amount on File
Deed Document Number	202119000674
Deed Book / Page	1289 / 239
Record Updated	Jun 8, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN FL
Property Address	1002 BLUFF RD, APALACHICOLA, FL 32320-1114
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0019003530
Date	Jul 18, 2018
Book Page	1223/487
Instrument	201819003530

Lender

Name	SUNTRUST BANK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN FL
Recording Date	Feb 8, 2021
Property Address	1002 BLUFF RD, APALACHICOLA, FL 32320-1114
Document Number	0019000674
Book / Page	1289 / 239
Instrument Date	Feb 4, 2021
Instrument	202119000674
Transaction Type	Transfer
Record Updated	May 24, 2021
Title Company	DODD TITLE COMPANY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,694.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1926 HIGHWAY 311, 1926, CROSS, SC 29436-3323

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 15, APALACHICOLA, FL 32329-0015

Mortgage

Document Number	0000000243
Date	Feb 8, 2021
Instrument	1289/243

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 1002 Bluff Rd was $2,812 with a homeowner's exemption, up 1.8% from the year before.

Source: Franklin County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Franklin County
Unified School District	Franklin County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,812.00 (+1.77%) Homeowner's exemption	$337,402 (-0.58%) Land $32,800 Building $304,602	$337,402 (-0.58%) Land $32,800 Building $304,602
2024	$2,763.00 (+11.68%)	$339,374 (+23.09%) Land $32,800 Building $306,574	$339,374 (+23.09%) Land $32,800 Building $306,574
2023	$2,474.00 (+16.64%)	$275,718 (+33.12%) Land $32,800 Building $242,918	$275,718 (+33.12%) Land $32,800 Building $242,918
2022	$2,121.00	$207,115 Land $28,700 Building $178,415	$207,115 Land $28,700 Building $178,415

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

Flood

FEMA maps place 1002 Bluff Rd in Zone X, an area of minimal flood risk, though there have been 83 flood claims nearby since 1985.

Source: FEMA National Flood Hazard Layer, effective April 23, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 60 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	60 in force
Nearby Flood Claims	83 (1985–2019)
Claims Outside the SFHA	3 of 83
Most Recent Claim	Oct 2019 · other causes
Claims by Event	Hurricane Michael, Oct 2018 · 15 claims Hurricane Dennis, Jul 2005 · 15 claims Hurricane Opal, Oct 1995 · 10 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 1002 Bluff Rd is high, ranking above 84% of the US, with a 0.6% annual chance of wildfire.

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

Wildfire Risk	High above 84% of the US · above 76% of Florida
Wildfire Likelihood	0.6% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF APALACHICOLA serves 5,235 people · EPA ID FL1190150
Water Source	Groundwater
Last State Inspection	Mar 2025
Lead	3 ppb (2023) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	Total trihalomethanes not recorded as resolved · Apr 2022
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 30 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50

May also be available: Fidium Fiber.

Cell Coverage

5G and 4G LTE (outdoors only)

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