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13 Cobia St, Panacea, FL 32346 Property Records

Franklin County property record for 13 Cobia St, Panacea, FL 32346

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 1,764 sqft · built 2021
Lot Size0.402 acres (17,511 sqft)
Owner2 Individual Names on Record
Last Sale$850,000 (Sep 2025)
Tax Bill$4,486 (2025)
Deeds & MortgagesSep 2025 Sale & Mortgage
Jun 2020 Construction Loan
+ 2 more
Flood ZoneZone VE (high risk)
APN28-06S-01W-1051-0008-0700

Property Details

APN / Parcel Number

Primary APN28-06S-01W-1051-0008-0700
Alternative APN
  • 01W06S28105100080700

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories1 Story
Building Area1,764 sqft Living Area
1st Floor Area1,764 sqft
FlooringTile

Exterior

Year BuiltBuilt 2021
Effective Year BuiltEffective 2021
Architectural StyleBungalow
Exterior MaterialConcrete
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area17,511 sqft (0.402 acres)
Lot Dimensions155 ft deep x 113 ft wide
View / LotWaterfront
PorchFinished/Open Porch
Deck Area48 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address13 COBIA ST
CityPANACEA
StateFL
Zip32346-5207
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionUNIT 1 BL 8 LOT 70 SOUTHERN DUNES OR/112/445 119/232 603/695 1181/692 1221/710 1221/711 1427/131
Legal SubdivisionSOUTHERN DUNES
Legal Block8
Legal Lot Number70
JurisdictionFRANKLIN FL
Township / Civil DivisionCARRABELLE
Census Block Group2
Census Block2003
Census Tract970102

Owner

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 Record2 Individual Names on Record
Mailing Address11500 BOWEN RD, ROSWELL, GA 30075-2233
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
Sep 10, 2025Warranty Deed, Transfer · Conventional Mortgage
ROCKET MORTGAGE LLC
Jun 19, 2020Deed of Trust, Mortgage · Construction Mortgage
CAPITAL CITY HOME LOANS LLC
Jun 22, 2018Warranty Deed, Transfer
DODD TITLE COMPANY INC
Jun 22, 2018Grant Deed, Foreclosure
DODD TITLE COMPANY INC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 10, 2025 · Amount on Record
Deed SaleSep 10, 2025 · Amount on Record
Prior SaleJun 22, 2018 · Amount on Record
Deed Document Number20254258
Deed Book / Page1427 / 131
Prior Transfer DateNov 23, 2016
Prior Transfer Doc0019005696
Record UpdatedJun 8, 2026

September 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionFRANKLIN FL
Recording DateSep 10, 2025
Property Address13 COBIA ST, ALLIGATOR POINT, FL 32346-5207
Document Number0019004258
Book / Page1427 / 131
Map ReferenceMB 2 PG 22A
Instrument DateAug 21, 2025
Instrument202519004258
Transaction TypeTransfer
Record UpdatedJan 6, 2026
Title CompanyWAKULLA TITLE COMPANY INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$5,950.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address6070 STATE ROUTE 54, TURBOTVILLE, PA 17772-8528

Transferred To (Grantee/Buyer)

NameVerified Name
Address11500 BOWEN RD, ROSWELL, GA 30075-2233

Mortgage

Document Number0000000133
DateSep 10, 2025
Instrument1427/133
Lender
NameROCKET MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueSep 1, 2055

June 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionFRANKLIN FL
Property Address13 COBIA ST, PANACEA, FL 32346-5207
Transaction TypeMortgage
Record UpdatedJan 25, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0019002596
DateJun 19, 2020
Book Page1268/138
Instrument202019002596
Lender
NameCAPITAL CITY HOME LOANS LLC
TypeMortgage Company
AddressLAWRENCEVILLE, GA 30043
Agreement
TypeConstruction Mortgage
AmountAmount Recorded
Term373 Months
DueJul 1, 2051

June 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionFRANKLIN FL
Recording DateJun 22, 2018
Property Address13 COBIA ST, PANACEA, FL 32346-5207
Document Number0019003113
Book / Page001221 / 000711
Instrument DateJun 11, 2018
Instrument19003113
Transaction TypeTransfer
Record UpdatedJul 19, 2018
Title CompanyDODD TITLE COMPANY INC

Transaction

AmountAmount Recorded
Tax$770.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address6070 STATE ROUTE 54 TURBOTVILLE PA 177728528, TURBOTVILLE, PA 17772-8528

June 2018: Grant Deed, Foreclosure

Document TypeGrant Deed
JurisdictionFRANKLIN FL
Recording DateJun 22, 2018
Property Address13 COBIA ST, PANACEA, FL 32346-5207
Document Number0019003112
Book / Page001221 / 000710
Instrument DateJun 11, 2018
Instrument19003112
Transaction TypeForeclosure
Record UpdatedJul 18, 2018
Title CompanyDODD TITLE COMPANY INC

Transaction

Tax$0.00

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
AddressPO BOX 395 WAUCHULA FL 338730395, WAUCHULA, FL 33873-0395

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyFranklin County
Unified School DistrictFranklin County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,486.00 (-1.15%)$474,367 (-) Land $150,000 Building $324,367$474,367 (-) Land $150,000 Building $324,367
2024$4,538.00 (-1.43%)$474,367 (-) Land $150,000 Building $324,367$474,367 (-) Land $150,000 Building $324,367
2023$4,604.00 (+2.33%)$474,367 (-) Land $150,000 Building $324,367$474,367 (-) Land $150,000 Building $324,367
2022$4,499.00$474,367 Land $150,000 Building $324,367$474,367 Land $150,000 Building $324,367

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 ZoneZone VE
high risk · coastal, wave action
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation17.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 293 individual policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies329 units insured
incl. 36 condo units
Nearby Flood Claims72 (2005–2024)
Most Recent ClaimSep 2024 · Hurricane Helene
Claims by Event
  • Hurricane Helene, Sep 2024 · 12 claims
  • Hurricane Michael, Oct 2018 · 45 claims
  • Hurricane Dennis, Jul 2005 · 8 claims

Coastal Barrier Resources

Source: USFWS Coastal Barrier Resources System, as of December 19, 2024

Coastal Barrier Resources SystemYes
UnitP27A “Ochlockonee”
Unit TypeSystem Unit
DesignatedNov 16, 1990
NFIP EligibilityNot eligible (built 2021)
built after the Nov 16, 1990 cutoff · private flood insurance only

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 RiskModerate
above 48% of the US · lower than 81% of Florida
Wildfire Likelihood0.08% annual chance
ExposureNone
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 SystemALLIGATOR POINT WATER RESOURCE DISTRICT
public/private · serves 1,400 people · EPA ID FL1190013
Water SourceGroundwater
Last State InspectionJun 2024
LeadUnder 1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 37 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Starlink
Satellite		280 / 30
Fidium Fiber
DSL · Fiber in parts of the area		50 / 10

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