117 Osprey Ct, Carrabelle, FL 32322 Property Records

Franklin County property record for 117 Osprey Ct, Carrabelle, FL 32322

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,155 sqft · built 2001
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on Record
Last Sale	$700,000 (Mar 2022)
Tax Bill	$10,469 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Aug 2021 Mortgage + 2 more
Flood Zone	Zone VE (high risk)
APN	`30-07S-04W-0331-0000-0030`

Property Details

APN / Parcel Number

Primary APN	`30-07S-04W-0331-0000-0030`
Alternative APN	`04W07S30033100000030`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,155 sqft Living Area
Gross Area	2,706 sqft
1st Floor Area	2,155 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Bungalow
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	87,120 sqft (2 acres)
View / Lot	Bayou
Garage Area	551 sqft

Exterior Amenities

Porch	Unfinished Open Porch
Porch Area	1,842 sqft
Deck Area	80 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	117 OSPREY CT
City	CARRABELLE
State	FL
Zip	32322-5015
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 WATERS EDGE A REPLAT OF LOTS 41, 42, & 43 BAYOU HARBOR AND ALSO LOT 44 BAYOU HARBOUR ORB/395/208 478/162 632/261 655/570 771/412 913/676 1129/214 1171/14 1312/406 1330/463
Legal Range	04W
Legal Township	07S
Legal Section	30
Legal Subdivision	BAYOU HARBOUR
Legal Lot Number	3,41,
Jurisdiction	FRANKLIN FL
Township / Civil Division	EASTPOINT
Census Block Group	1
Census Block	1308
Census Tract	970200

Owner

Source: Franklin County records, as of August 25, 2026

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	PO BOX 520, NEWPORT, ME 04953-0520
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2022	Warranty Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE CORP
Aug 31, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Feb 22, 2019	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Sep 11, 2019	Deed of Trust, Mortgage NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 24, 2022 · Amount on Record
Deed Sale	Mar 24, 2022 · Amount on Record
Prior Sale	Jun 23, 2016 · Amount on Record
Deed Document Number	20221783
Deed Book / Page	1330 / 463
Prior Transfer Date	Aug 24, 2021
Prior Transfer Doc	0019005530
Record Updated	Oct 29, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN FL
Recording Date	Mar 24, 2022
Property Address	117 OSPREY CT, CARRABELLE, FL 32322-5015
Document Number	0019001783
Book / Page	1330 / 463
Map Reference	MB 7 PG 2
Instrument Date	Mar 17, 2022
Instrument	202219001783
Transaction Type	Transfer
Record Updated	Apr 21, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,900.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	117 OSPREY CT, 117, CARRABELLE, FL 32322-5015

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	926 DETROIT RD, TROY, ME 04987-3131

Mortgage

Document Number	0000000465
Date	Mar 24, 2022
Instrument	1330/465

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FRANKLIN FL
Recording Date	Aug 31, 2021
Property Address	117 OSPREY CT, CARRABELLE, FL 32322-5015
Document Number	0019005530
Book / Page	1312 / 406
Map Reference	MB 7 PG 2
Instrument Date	Aug 24, 2021
Instrument	202119005530
Transaction Type	Transfer
Record Updated	Sep 22, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	117 OSPREY CT, CARRABELLE, FL 32322-5015

Mortgage

Document Number	0000000408
Date	Aug 31, 2021
Instrument	1312/408

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN FL
Property Address	117 OSPREY CT, CARRABELLE, FL 32322-5015
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0019000754
Date	Feb 22, 2019
Book Page	1236/058
Instrument	201919000754

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2049

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN FL
Property Address	117 OSPREY CT, CARRABELLE, FL 32322-5015
Document Number	0019004331
Instrument Date	Sep 11, 2019
Transaction Type	Mortgage
Record Updated	Oct 21, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	117 OSPREY CT CARRABELLE FL 323225015, CARRABELLE, FL 32322-5015

Tax Assessment & Valuation

Source: Franklin County assessment roll, as of November 26, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,469.00 (+0.4%)	$624,717 (-1.07%) Land $105,000 Building $519,717	$624,717 (-1.07%) Land $105,000 Building $519,717
2024	$10,427.00 (+7.77%)	$631,479 (+10.93%) Land $105,000 Building $526,479	$631,479 (+10.93%) Land $105,000 Building $526,479
2023	$9,675.00 (+3.81%)	$569,271 (+5.38%) Land $105,000 Building $464,271	$569,271 (+5.38%) Land $105,000 Building $464,271
2022	$9,320.00	$540,185 Land $105,000 Building $435,185	$540,185 Land $105,000 Building $435,185

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	17.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 133 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	171 units insured incl. 38 condo units
Nearby Flood Claims	359 (1979–2024)
Claims Outside the SFHA	6 of 359
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Dennis, Jul 2005 · 79 claims Hurricane Kate, Nov 1985 · 84 claims Hurricane Elena, Sep 1985 · 72 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	High above 79% of the US · above 68% of Florida
Wildfire Likelihood	0.3% 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 CARRABELLE WATER SYSTEM serves 3,690 people · EPA ID FL1190118
Water Source	Groundwater
Last State Inspection	Mar 2025
Lead	2 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	2 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 66 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50

May also be available: Fidium Fiber, T-Mobile.

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