Franklin County property record for 107 Royal Tern Way, Carrabelle, FL 32322
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,906 sqft |
| Lot Size | 0.219 acres (9,583 sqft) |
| Owner | Individual Name on File |
| Last Sale | $340,000 (Dec 2021) |
| Tax Bill | $2,532 (2025) |
| Deeds & Mortgages | Mar 2021 Line of Credit Dec 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 05-07S-03W-1000-000B-0030 |
| Primary APN | 05-07S-03W-1000-000B-0030 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 1,906 sqft Heated Area |
| Gross Area | 2,458 sqft |
| Interior Walls | Wallboard/Drywall |
| Exterior Material | Fiber Cement Siding |
|---|---|
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 9,583 sqft (0.219 acres) |
| Porch | Finished/Screened Porch |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 107 ROYAL TERN WAY |
|---|---|
| City | CARRABELLE |
| State | FL |
| Zip | 32322-8011 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ST JAMES BAY SUB PB 7/39 BLOCK B LOT 3 PHASE 1-A 757/778 1022/114 1206/219 1321/86 |
| Legal Range | 03W |
| Legal Township | 07S |
| Legal Section | 05 |
| Legal Subdivision | ST JAMES BAY SUB |
| Legal Phase | 1 |
| Legal Block | B |
| Legal Lot Number | 3 |
| Jurisdiction | FRANKLIN FL |
| Township / Civil Division | CARRABELLE |
| Census Block Group | 2 |
| Census Block | 2115 |
| Census Tract | 970102 |
107 Royal Tern Way is owned and occupied by an individual who bought it in December 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 | 107 ROYAL TERN WAY, CARRABELLE, FL 32322-8011 |
| 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.
| Date | Document |
|---|---|
| Mar 9, 2021 | Deed of Trust, Mortgage · Line of Credit PRIME MERIDIAN BANK |
| Dec 13, 2021 | Warranty Deed, Transfer · Conventional Mortgage PRIME MERIDIAN BANK |
| Nov 17, 2017 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 13, 2021 · Amount on File |
| Deed Sale | Dec 13, 2021 · Amount on File |
| Prior Sale | Nov 17, 2017 · Amount on File |
| Deed Document Number | 202119007568 |
| Deed Book / Page | 1321 / 86 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN FL |
| Property Address | 107 ROYAL TERN WAY, CARRABELLE, FL 32322-8011 |
| Transaction Type | Mortgage |
| Record Updated | Jan 6, 2026 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 648, CARY, IL 60013-0648 |
| Document Number | 0019001346 |
|---|---|
| Date | Mar 9, 2021 |
| Book Page | 1292/747 |
| Instrument | 202119001346 |
| Name | PRIME MERIDIAN BANK |
|---|---|
| Type | Bank |
| Address | TALLAHASSEE, FL 32312 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FRANKLIN FL |
| Recording Date | Dec 13, 2021 |
| Property Address | 107 ROYAL TERN WAY, CARRABELLE, FL 32322-8011 |
| Document Number | 0019007568 |
| Book / Page | 1321 / 86 |
| Map Reference | MB 7 PG 39-46 |
| Instrument Date | Dec 9, 2021 |
| Instrument | 202119007568 |
| Transaction Type | Transfer |
| Record Updated | Jan 6, 2026 |
| Title Company | DODD TITLE COMPANY INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,380.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8120 GAGE LN, CARY, IL 60013-6118 |
| Name | Verified Name |
|---|---|
| Address | 107 ROYAL TERN WAY, CARRABELLE, FL 32322-8011 |
| Document Number | 0000000088 |
|---|---|
| Date | Dec 13, 2021 |
| Instrument | 1321/88 |
| Name | PRIME MERIDIAN BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | FRANKLIN FL |
| Recording Date | Nov 17, 2017 |
| Property Address | 107 ROYAL TERN WAY, CARRABELLE, FL 32322-8011 |
| Document Number | 0019005842 |
| Book / Page | 001206 / 000219 |
| Instrument Date | Nov 17, 2017 |
| Instrument | 19005842 |
| Transaction Type | Transfer |
| Record Updated | Nov 28, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $91.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | PO BOX 648 CARY IL 600130648, CARY, IL 60013-0648 |
The 2025 property tax bill for 107 Royal Tern Way was $2,532 with a homeowner's exemption, up 2.1% from the year before.
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 | $2,532.00 (+2.06%) Homeowner's exemption | $307,235 (+2.9%) | $417,669 (-1.04%) Land $29,750 Building $387,919 |
| 2024 | $2,481.00 (-0.52%) Homeowner's exemption | $298,576 (+3%) | $422,048 (+12.41%) Land $29,750 Building $392,298 |
| 2023 | $2,494.00 (+0.69%) Homeowner's exemption | $289,880 (+3%) | $375,452 (+33.41%) Land $17,000 Building $358,452 |
| 2022 | $2,477.00 Homeowner's exemption | $281,437 Land $17,000 Building $264,437 | $281,437 Land $17,000 Building $264,437 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 107 Royal Tern Way in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 293 individual policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 329 units insured incl. 36 condo units |
| Nearby Flood Claims | 72 (2005–2024) |
| Most Recent Claim | Sep 2024 · Hurricane Helene |
| 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.
Wildfire risk around 107 Royal Tern Way is high, ranking above 80% of the US, with a 0.5% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 80% of the US · above 70% of Florida |
|---|---|
| Wildfire Likelihood | 0.5% 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 | LANARK VILLAGE (CITY OF CARRABELLE) public/private · serves 1,815 people · EPA ID FL1190414 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2025 |
| Also Mapped Here | CITY OF CARRABELLE WATER SYSTEM |
| Lead | 2 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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. The service area is an EPA estimate; the actual supplier may differ.
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 |
| Starlink Satellite | 280 / 30 |
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