112 Opal Chambers, Apalachicola, FL 32320 Property Records

Franklin County property record for 112 Opal Chambers, Apalachicola, FL 32320

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,288 sqft · built 1935
Lot Size	1.16 acres (50,530 sqft)
Owner	Individual Name on File
Last Sale	$161,000 (Jun 2021)
Tax Bill	$898 (2025)
Deeds & Mortgages	Jun 2021 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`02-09S-08W-0000-0720-0000`

Property Details

APN / Parcel Number

Primary APN	`02-09S-08W-0000-0720-0000`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,288 sqft Heated Area
Gross Area	1,420 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1950
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	50,530 sqft (1.16 acres)
Porch	Finished/Screened Porch
Porch Area	132 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Convection

Location & Zoning

Street Address	112 OPAL CHAMBERS
City	APALACHICOLA
State	FL
Zip	32320-1367
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	13 AC M/L IN SE 1/2 OR/46/159 LESS PARCELS SOLD ALSO LESS 125X250 FT & 93X145 FT PARCEL NOW CONTAINS 1.16 AC 736/747 890/138
Legal Range	08W
Legal Township	09S
Legal Section	02
Jurisdiction	FRANKLIN FL
Township / Civil Division	APALACHICOLA
Census Block Group	1
Census Block	1045
Census Tract	970302

Owner

112 Opal Chambers is owned and occupied by an individual who bought it in June 2021.

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

Owner of Record	Individual Name on File
Mailing Address	112 OPAL CHAMBERS, APALACHICOLA, FL 32320-1367
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 9, 2021 · Amount on File
Deed Sale	Jun 9, 2021 · Amount on File
Prior Sale	Mar 1, 2006 · Amount on File
Deed Document Number	202119003660
Deed Book / Page	1304 / 56
Record Updated	Jun 8, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN FL
Recording Date	Jun 9, 2021
Property Address	112 OPAL CHAMBERS, APALACHICOLA, FL 32320-1367
Document Number	0019003660
Book / Page	1304 / 56
Instrument Date	Jun 8, 2021
Instrument	202119003660
Transaction Type	Transfer
Record Updated	Aug 4, 2021
Title Company	MIDFLORIDA TITLE PROFESSIONALS, FLORIDA TITLE PROFESSIONAL

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,127.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1381, CULLMAN, AL 35056-1381

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 OPAL CHAMBERS, APALACHICOLA, FL 32320-1367

Mortgage

Document Number	0000000058
Date	Jun 9, 2021
Instrument	1304/58

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 112 Opal Chambers was $898 with a homeowner's exemption, down 2% from the year before.

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

Property Jurisdictions

Type	Name
State	Florida
County	Franklin County
Unified School District	Franklin County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$898.00 (-1.97%) Homeowner's exemption	$130,696 (-0.62%) Land $43,848 Building $86,848	$130,696 (-0.62%) Land $43,848 Building $86,848
2024	$916.00 (-40.05%) Homeowner's exemption	$131,515 (-18.84%) Land $43,848 Building $87,667	$131,515 (-18.84%) Land $43,848 Building $87,667
2023	$1,528.00 (+12.68%)	$162,041 (+24.07%) Land $43,848 Building $118,193	$162,041 (+24.07%) Land $43,848 Building $118,193
2022	$1,356.00	$130,603 Land $43,848 Building $86,755	$130,603 Land $43,848 Building $86,755

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

Flood

FEMA maps place 112 Opal Chambers in Zone X, an area of moderate flood risk, within 100 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 · 1% annual chance, depth under 1 ft
Nearest Special Flood Hazard Area	Zone AH, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
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	Hurricane Michael, Oct 2018 · 15 claims Hurricane Dennis, Jul 2005 · 15 claims Hurricane Opal, Oct 1995 · 10 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 112 Opal Chambers is moderate, ranking above 59% 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 Risk	Moderate above 59% of the US · lower than 67% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct 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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 134 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50

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