Franklin County property record for 1007 Bluff Rd, Apalachicola, FL 32320
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,512 sqft · built 1986 |
| Lot Size | 5.42 acres (236,531 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $655 (2025) |
| Deeds & Mortgages | Jun 2019 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 35-08S-08W-0000-0430-0000 |
| Primary APN | 35-08S-08W-0000-0430-0000 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,512 sqft Heated Area |
| Gross Area | 2,560 sqft |
| Interior Walls | Plaster |
| Year Built | Built 1986 |
|---|---|
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 236,531 sqft (5.42 acres) |
| Porch | Open Porch |
| Porch Area | 48 sqft |
| Cooling System | None |
|---|---|
| Heating System | Forced Air |
| Street Address | 1007 BLUFF RD |
|---|---|
| City | APALACHICOLA |
| State | FL |
| Zip | 32320-1113 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 5.43 ACRES IN SW 1/4 OR 98 322 OR 126/236 |
| Legal Range | 08W |
| Legal Township | 08S |
| Legal Section | 35 |
| Jurisdiction | FRANKLIN FL |
| Township / Civil Division | APALACHICOLA |
| Census Block Group | 1 |
| Census Block | 1044 |
| Census Tract | 970302 |
Source: Franklin County records, as of January 5, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1007 BLUFF RD, APALACHICOLA, FL 32320-1113 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN FL |
| Property Address | 1007 BLUFF RD, APALACHICOLA, FL 32320-1113 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0019002425 |
|---|---|
| Date | Jun 3, 2019 |
| Book Page | 1242/509 |
| Instrument | 201919002425 |
| Name | TYNDALL FCU |
|---|---|
| Type | Credit Union |
| Address | PANAMA CITY, FL 32412 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jun 1, 2029 |
Source: Franklin County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Franklin County |
| Unified School District | Franklin County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $655.00 (+3.48%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $114,456 (+2.9%) | $462,873 (-0.37%) Land $217,200 Building $245,673 |
| 2024 | $633.00 (+1.44%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $111,230 (+3%) | $464,603 (+12.51%) Land $217,200 Building $247,403 |
| 2023 | $624.00 (-4.88%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $107,990 (+3%) | $412,948 (+47.96%) Land $217,200 Building $195,748 |
| 2022 | $656.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $104,845 | $279,101 Land $135,750 Building $143,351 |
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 April 23, 2025 · 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 | 10.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record 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 |
|
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 | High above 84% of the US · above 76% of Florida |
|---|---|
| Wildfire Likelihood | 0.7% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
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.
Source: FCC Broadband Data Collection, based on 71 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Fidium Fiber Fiber | 1,000 / 1,000 |
| Mediacom Xtream Cable | 1,000 / 50 |
5G and 4G LTE (outdoors only)
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