1155 Alligator Dr, Panacea, FL 32346 Property Records

Franklin County property record for 1155 Alligator Dr, Panacea, FL 32346

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,516 sqft · built 1981
Lot Size	0.468 acres (20,386 sqft)
Owner	2 Individual Names on Record
Last Sale	$464,000 (Apr 2017)
Tax Bill	$6,608 (2025)
Deeds & Mortgages	Apr 2017 Sale & Mortgage
Flood Zone	Zone VE (high risk)
APN	`05-07S-01W-1032-0000-0240`

Property Details

APN / Parcel Number

Primary APN	`05-07S-01W-1032-0000-0240`
Alternative APN	`01W07S05103200000240`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,516 sqft Living Area
1st Floor Area	1,308 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	20,386 sqft (0.468 acres)
Lot Dimensions	255 ft deep x 80 ft wide
View / Lot	Gulf
Pool Area	648 sqft
Porch	Florida Room
Porch Area	637 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1155 ALLIGATOR DR
City	PANACEA
State	FL
Zip	32346-5109
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	UNIT 2 LOT 24 HOLIDAY BEACH OR 176/425 183/606 184/323 222/522 234/461 502/130-32 817/691-DEATH CERT. 1172/574 1191/128
Legal Range	01W
Legal Township	07S
Legal Section	05
Legal Subdivision	HOLIDAY BEACH
Legal Lot Number	24
Legal Unit	2
Jurisdiction	FRANKLIN FL
Township / Civil Division	CARRABELLE
Census Block Group	2
Census Block	2003
Census Tract	970102

Owner

Source: Franklin County records, as of November 26, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	49 YORKSHIRE DR, QUEENSBURY, NY 12804-8620
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 27, 2017 · Amount on Record
Deed Sale	Apr 27, 2017 · Amount on Record
Prior Sale	Jul 1, 2016 · Amount on Record
Deed Document Number	20172077
Deed Book / Page	1191 / 128
Prior Transfer Date	Jul 14, 2016
Prior Transfer Doc	0019003351
Record Updated	Jun 8, 2026

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN FL
Recording Date	Apr 27, 2017
Property Address	1155 ALLIGATOR DR, PANACEA, FL 32346-5109
Document Number	0019002077
Book / Page	1191 / 128
Map Reference	MB4 PG3
Instrument Date	Apr 25, 2017
Instrument	201719002077
Transaction Type	Transfer
Record Updated	Jan 25, 2022
Title Company	OWEN TITLE COMPANY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,248.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 694, PANACEA, FL 32346-0694

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	49 YORKSHIRE DR, QUEENSBURY, NY 12804-8620

Mortgage

Document Number	0000000129
Date	Apr 27, 2017
Instrument	1191/129

Lender

Name	AMERIS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2032

Tax Assessment & Valuation

Source: Franklin County assessment roll, as of November 26, 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	$6,608.00 (+14.56%)	$699,245 (+27.4%) Land $489,600 Building $209,645	$699,245 (+27.4%) Land $489,600 Building $209,645
2024	$5,768.00 (+7.65%)	$548,841 (+16.74%) Land $336,600 Building $212,241	$548,841 (+16.74%) Land $336,600 Building $212,241
2023	$5,358.00 (-0.56%)	$470,129 (+2.16%) Land $308,040 Building $162,089	$470,129 (+2.16%) Land $308,040 Building $162,089
2022	$5,388.00	$460,189 Land $308,040 Building $152,149	$460,189 Land $308,040 Building $152,149

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

Flood

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	16.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record 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	Hurricane Helene, Sep 2024 · 12 claims Hurricane Michael, Oct 2018 · 45 claims Hurricane Dennis, Jul 2005 · 8 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

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

Wildfire Risk	Moderate above 44% of the US · lower than 85% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	None beyond ember reach

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	ALLIGATOR POINT WATER RESOURCE DISTRICT public/private · serves 1,400 people · EPA ID FL1190013
Water Source	Groundwater
Last State Inspection	Jun 2024
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 22 locations within half a mile, as of December 31, 2025

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