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108 SE 13th St, Carrabelle, FL 32322 Property Records

Franklin County property record for 108 SE 13th St, Carrabelle, FL 32322

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,584 sqft · built 1986
Lot Size1.06 acres (46,391 sqft)
Owner2 Individual Names on File
Last Sale$94,000 (Sep 2016)
Tax Bill$1,303 (2025)
Deeds & MortgagesSep 2021 Mortgage
Jun 2019 Mortgage
Flood ZoneZone X (moderate risk)
APN29-07S-04W-4200-0042-0150

Property Details

APN / Parcel Number

Primary APN29-07S-04W-4200-0042-0150

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,584 sqft Heated Area
Gross Area1,856 sqft
Interior WallsPlywood

Exterior

Year BuiltBuilt 1986
Effective Year BuiltEffective 1996
Exterior MaterialOther
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area46,391 sqft (1.06 acres)
Lot Dimensions100 ft deep x 464 ft wide
Garage TypeCarport
CarportCarport
PorchOpen Porch
Porch Area272 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address108 SE 13TH ST
CityCARRABELLE
StateFL
Zip32322-2225
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionBLOCK 42 42 LOTS 16 & 17 KELLYS PLAT OR 88/80-82 158/157 231/302 389/261 532/174 701/498 1164/625 1176/405
Legal Range04W
Legal Township07S
Legal Section29
Legal SubdivisionKELLYS
Legal Block42
Legal Lot Number16,17 17
JurisdictionFRANKLIN FL
Township / Civil DivisionCARRABELLE
Census Block Group1
Census Block1008
Census Tract970101

Owner

108 SE 13th St is owned and occupied by two individuals who bought it in September 2016.

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

Owner of Record2 Individual Names on File
Mailing Address108 SE 13TH ST, CARRABELLE, FL 32322-2225
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Sep 10, 2021Deed of Trust, Mortgage · FHA Mortgage
ROCKET MORTGAGE LLC
Jun 4, 2019Deed of Trust, Mortgage · FHA Mortgage
HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 9, 2016 · Amount on File
Deed SaleSep 9, 2016 · Amount on File
Prior SaleMar 23, 2016 · Amount on File
Deed Document Number201619004363
Deed Book / Page1176 / 405
Record UpdatedJun 8, 2026

September 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionFRANKLIN FL
Property Address108 SE 13TH ST, CARRABELLE, FL 32322-2225
Transaction TypeMortgage
Record UpdatedJan 27, 2023
Title CompanyFIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

NameVerified Name
Address108 SE 13TH ST, CARRABELLE, FL 32322-2225

Mortgage

Document Number0019005728
DateSep 10, 2021
Book Page1313/214
Instrument202119005728
Lender
NameROCKET MORTGAGE LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term300 Months
DueSep 1, 2046

June 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionFRANKLIN FL
Property Address108 SE 13TH ST, CARRABELLE, FL 32322-2225
Document Number0019003280
Instrument DateJun 4, 2019
Transaction TypeMortgage
Record UpdatedAug 9, 2019
Title CompanyAMROCK INC

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address108 SE 13TH ST CARRABELLE FL 323222225, CARRABELLE, FL 32322-2225

Mortgage

Document Number0019003280
DateJul 18, 2019
Book Page001246/000122
Instrument19003280
Lender
NameHUD-HOUSING/URBAN DEV
Address451 7TH ST SW, WASHINGTON, DC 20410-0001
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term324 Months
DueJul 17, 2046

Tax Assessment & Valuation

The 2025 property tax bill for 108 SE 13th St was $1,303 with a homeowner's exemption, up 4.8% from the year before.

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

Property Jurisdictions

TypeName
StateFlorida
CountyFranklin County
MunicipalityCarrabelle City
Unified School DistrictFranklin County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,303.00 (+4.83%) Homeowner's exemption$122,086 (+2.9%)$210,809 (-0.83%) Land $30,000 Building $180,809
2024$1,243.00 (+2.39%) Homeowner's exemption$118,645 (+3%)$212,582 (+21.58%) Land $30,000 Building $182,582
2023$1,214.00 (+2.97%) Homeowner's exemption$115,189 (+3%)$174,851 (+28.23%) Land $30,000 Building $144,851
2022$1,179.00 Homeowner's exemption$111,834$136,361 Land $30,000 Building $106,361

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

Flood

FEMA maps place 108 SE 13th St 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 ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 43 individual policies
Community Rating SystemClass 10 (0% premium discount)
Nearby Flood Policies72 units insured
incl. 29 condo units
Nearby Flood Claims7 (2018)
Most Recent ClaimOct 2018 · Hurricane Michael
Claims by Event
  • Hurricane Michael, Oct 2018 · 7 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 108 SE 13th St is moderate, ranking above 67% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire RiskModerate
above 67% of the US · above 47% of Florida
Wildfire Likelihood0.2% annual chance
ExposureDirect
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 SystemCITY OF CARRABELLE WATER SYSTEM
serves 3,690 people · EPA ID FL1190118
Water SourceGroundwater
Last State InspectionMar 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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 33 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Mediacom Xtream
Cable		1,000 / 50
T-Mobile
Fixed Wireless		100 / 20

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