Franklin County property record for 108 Tern Rd, Carrabelle, FL 32322
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 896 sqft · built 1963 |
| Lot Size | 0.237 acres (10,367 sqft) |
| Owner | Owner Name on File |
| Tax Bill | $1,318 (2025) |
| Flood Zone | Zone VE (high risk) |
| APN | 06-08S-04W-5262-0010-0040 |
| Primary APN | 06-08S-04W-5262-0010-0040 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 896 sqft Heated Area |
| Gross Area | 1,552 sqft |
| Flooring | Hardwood |
| Interior Walls | Plywood |
| Year Built | Built 1963 |
|---|---|
| Exterior Material | Other |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,367 sqft (0.237 acres) |
| Lot Dimensions | 130 ft deep x 80 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Driveway | Driveway |
| Driveway Area | 456 sqft |
| Porch | Finished/Screened Porch |
|---|---|
| Porch Area | 200 sqft |
| Deck Area | 165 sqft |
| Boat Access | Boat Access |
| Cooling System | Window A/C |
|---|---|
| Heating System | Radiant |
| Heating Fuel | Electric |
| Street Address | 108 TERN RD |
|---|---|
| City | CARRABELLE |
| State | FL |
| Zip | 32322 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | UNIT 2 BL 10 LOT 4 OR 179/572 DOG ISLAND OR 274/127 OR 204/169 1131/696 |
| Legal Range | 04W |
| Legal Township | 08S |
| Legal Section | 06 |
| Legal Subdivision | DOG ISLAND GULF BEACHES |
| Legal Block | 10 |
| Legal Lot Number | 4 |
| Legal Unit | 2 |
| Jurisdiction | FRANKLIN FL |
| Township / Civil Division | CARRABELLE |
| Census Block Group | 1 |
| Census Block | 1028 |
| Census Tract | 970101 |
The current owner of 108 Tern Rd acquired it in October 2014.
Source: Franklin County records, as of January 5, 2026
| Owner of Record | Owner Name on File |
|---|---|
| Mailing Address | MONTICELLO, FL 32344 |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Oct 24, 2014 |
| Transfer Doc | 0019005967 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 108 Tern Rd was $1,318, up 15.5% 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 | $1,318.00 (+15.51%) | $108,252 (+32.54%) Land $65,000 Building $43,252 | $108,252 (+32.54%) Land $65,000 Building $43,252 |
| 2024 | $1,141.00 (-2.14%) | $81,678 (-0.52%) Land $38,000 Building $43,678 | $81,678 (-0.52%) Land $38,000 Building $43,678 |
| 2023 | $1,166.00 (+7.17%) | $82,105 (+8.81%) Land $38,000 Building $44,105 | $82,105 (+8.81%) Land $38,000 Building $44,105 |
| 2022 | $1,088.00 | $75,457 Land $38,000 Building $37,457 | $75,457 Land $38,000 Building $37,457 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 108 Tern Rd in Zone VE, a high-risk coastal flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective April 23, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone VE high risk · coastal, wave action |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 15.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 43 individual policies |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 72 units insured incl. 29 condo units |
| Nearby Flood Claims | 7 (2018) |
| Most Recent Claim | Oct 2018 · Hurricane Michael |
| Claims by Event |
|
Source: USFWS Coastal Barrier Resources System, as of December 19, 2024
| Coastal Barrier Resources System | Yes |
|---|---|
| Unit | P28 “Dog Island” |
| Unit Type | System Unit |
| Designated | Nov 16, 1990 |
| NFIP Eligibility | Eligible (built 1963) built before the Nov 16, 1990 cutoff |
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 108 Tern Rd is moderate, ranking above 64% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 64% of the US · lower than 60% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 14 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 25 / 3 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures