Franklin County property record for 1095 Bluff Rd, Apalachicola, FL 32320
| Property Type | Mobile Home |
|---|---|
| Details | 1 ba · 728 sqft · built 1989 |
| Lot Size | 0.34 acres (14,810 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $65,000 (Jan 2025) |
| Tax Bill | $389 (2025) |
| Deeds & Mortgages | Jan 2022 Transfer |
| Flood Zone | Zone AE (high risk) |
| APN | 35-08S-08W-0000-0270-0000 |
| Primary APN | 35-08S-08W-0000-0270-0000 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 728 sqft Living Area |
| 1st Floor Area | 728 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Cape Cod |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 14,810 sqft (0.34 acres) |
| Lot Dimensions | 300 ft deep x 50 ft wide |
| Deck Area | 24 sqft |
| Cooling System | Window A/C |
|---|---|
| Heating System | Convection |
| Street Address | 1095 BLUFF RD |
|---|---|
| City | APALACHICOLA |
| State | FL |
| Zip | 32320-1127 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Legal Description | 50X300 FT IN SW 1/4 OR 88/365 125/378 145/5 OR 146/42 175/175 187/88 1098/464 1322/791 1406/433 1409/344 |
| Legal Range | 08W |
| Legal Township | 08S |
| Legal Section | 35 |
| Jurisdiction | FRANKLIN FL |
| Township / Civil Division | APALACHICOLA |
| Census Block Group | 1 |
| Census Block | 1043 |
| Census Tract | 970302 |
1095 Bluff Rd, a mobile home, is held in a trust since January 2025.
Source: Franklin County records, as of November 26, 2025
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 175 24TH AVE, APALACHICOLA, FL 32320-1511 |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
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 | 2 Names on Deed |
|---|---|
| Last Sale | Jan 15, 2025 · Amount on File |
| Deed Sale | Jan 15, 2025 · Amount on File |
| Prior Sale | Jul 26, 2013 |
| Deed Document Number | 2025287 |
| Deed Book / Page | 1409 / 344 |
| Prior Transfer Date | Dec 2, 2024 |
| Prior Transfer Doc | 0019005611 |
| Record Updated | Sep 20, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | FRANKLIN FL |
| Recording Date | Jan 5, 2022 |
| Property Address | 1095 BLUFF RD, APALACHICOLA, FL 32320-1127 |
| Document Number | 0019000049 |
| Book / Page | 1322 / 791 |
| Instrument Date | Jan 5, 2022 |
| Instrument | 202219000049 |
| Transaction Type | Transfer |
| Record Updated | Feb 28, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
The 2025 property tax bill for 1095 Bluff Rd was $389, up 678% from the year before.
Source: Franklin County assessment roll, as of November 26, 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 | $389.00 (+678%) | $36,679 (+79.93%) Land $13,600 Building $23,079 | $36,679 (-) Land $13,600 Building $23,079 |
| 2024 | $50.00 Homeowner's exemption | $20,385 (+3%) | $36,679 (+24.34%) Land $13,600 Building $23,079 |
| 2023 | $50.00 Homeowner's exemption | $19,791 (+3%) | $29,500 (+46.83%) Land $13,600 Building $15,900 |
| 2022 | $50.00 Homeowner's exemption | $19,215 | $20,091 Land $8,500 Building $11,591 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 1095 Bluff Rd in Zone AE, a high-risk 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 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 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 |
|
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 1095 Bluff Rd is high, ranking above 84% of the US, with a 0.7% 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 | 0.7% 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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