Franklin County property record for 12 Cobia St, Panacea, FL 32346
| Property Type | Vacant Land |
|---|---|
| Lot Size | 0.34 acres (14,810 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $95,000 (Jun 2019) |
| Tax Bill | $1,232 (2025) |
| Deeds & Mortgages | Jun 2019 Sale Apr 2017 Sale + 1 more |
| Flood Zone | Zone VE (high risk) |
| APN | 28-06S-01W-1051-0007-0690 |
| Primary APN | 28-06S-01W-1051-0007-0690 |
|---|---|
| Alternative APN |
|
| Lot Area | 14,810 sqft (0.34 acres) |
|---|---|
| Lot Dimensions | 156 ft deep x 95 ft wide |
| View / Lot | Waterfront |
| Street Address | 12 COBIA ST |
|---|---|
| City | PANACEA |
| State | FL |
| Zip | 32346-5200 |
| Property Category | Vacant Land |
| Property Type | Vacant Land > Uncategorized |
| Legal Description | UNIT 1 BL 7 LOT 69 OR 178/545 OR 160/398 965/723 1189/342 1189/349 1244/179 |
| Legal Range | 01W |
| Legal Township | 06S |
| Legal Section | 28 |
| Legal Subdivision | 1051 |
| Legal Block | 7 |
| Legal Lot Number | 69 |
| Legal Unit | 1 |
| Jurisdiction | FRANKLIN FL |
| Township / Civil Division | CARRABELLE |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 970102 |
Source: Franklin County records, as of November 26, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 577 FAIRVIEW SCHOOL RD, NORMANDY, TN 37360-3057 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 21, 2019 | Warranty Deed, Transfer ATTORNEY ONLY |
| Apr 4, 2017 | Warranty Deed, Transfer ATTORNEY ONLY |
| Apr 4, 2017 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 21, 2019 · Amount on Record |
| Deed Sale | Jun 21, 2019 · Amount on Record |
| Prior Sale | Apr 4, 2017 · Amount on Record |
| Deed Document Number | 20192821 |
| Deed Book / Page | 1244 / 179 |
| Prior Transfer Date | May 14, 2008 |
| Prior Transfer Doc | 0019002667 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FRANKLIN FL |
| Recording Date | Jun 21, 2019 |
| Property Address | 12 COBIA ST, PANACEA, FL 32346-5200 |
| Document Number | 0019002821 |
| Book / Page | 001244 / 000179 |
| Instrument Date | Jun 20, 2019 |
| Instrument | 19002821 |
| Transaction Type | Transfer |
| Record Updated | Jul 16, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $665.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 577 FAIRVIEW SCHOOL RD NORMANDY TN 373603057, NORMANDY, TN 37360-3057 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FRANKLIN FL |
| Recording Date | Apr 4, 2017 |
| Property Address | 12 COBIA ST, PANACEA, FL 32346-5200 |
| Document Number | 0019001593 |
| Book / Page | 001189 / 000349 |
| Instrument Date | Mar 30, 2017 |
| Instrument | 19001593 |
| Transaction Type | Transfer |
| Record Updated | Apr 25, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 232 S FRANKLIN ST DENVER CO 802092607, DENVER, CO 80209-2607 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FRANKLIN FL |
| Recording Date | Apr 4, 2017 |
| Property Address | 12 COBIA ST, PANACEA, FL 32346-5200 |
| Document Number | 0019001591 |
| Book / Page | 001189 / 000342 |
| Instrument Date | Mar 30, 2017 |
| Instrument | 19001591 |
| Transaction Type | Transfer |
| Record Updated | Apr 13, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $525.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 232 S FRANKLIN ST DENVER CO 802092607, DENVER, CO 80209-2607 |
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 | $1,232.00 (+3.88%) | $150,000 (-) Land $150,000 | $150,000 (-) Land $150,000 |
| 2024 | $1,186.00 (+0.59%) | $150,000 (-) Land $150,000 | $150,000 (-) Land $150,000 |
| 2023 | $1,179.00 (+0.86%) | $150,000 (-) Land $150,000 | $150,000 (-) Land $150,000 |
| 2022 | $1,169.00 | $150,000 Land $150,000 | $150,000 Land $150,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 48% of the US · lower than 81% of Florida |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | None beyond ember reach |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 37 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Fidium Fiber DSL · Fiber in parts of the area | 50 / 10 |
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