131 Herndon Rd, Carrabelle, FL 32322 Property Records

Franklin County property record for 131 Herndon Rd, Carrabelle, FL 32322

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,892 sqft · built 2017
Lot Size	1.28 acres (55,757 sqft)
Owner	2 Individual Names on Record
Last Sale	$20,000 (Mar 2016)
Tax Bill	$1,377 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Feb 2018 Mortgage + 1 more
Flood Zone	Zone A (high risk)
APN	`04-08S-05W-0000-0040-0110`

Property Details

APN / Parcel Number

Primary APN	`04-08S-05W-0000-0040-0110`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,892 sqft Heated Area
Gross Area	1,934 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	55,757 sqft (1.28 acres)
Porch	Open Porch
Porch Area	42 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	131 HERNDON RD
City	CARRABELLE
State	FL
Zip	32322-2082
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	A PARCEL IN SEC 04 08S 05W CONTAINING 1.28 AC M/L OR 441/89 1163/520
Legal Range	05W
Legal Township	08S
Legal Section	04
Jurisdiction	FRANKLIN FL
Township / Civil Division	EASTPOINT
Census Block Group	1
Census Block	1240
Census Tract	970200

Owner

Source: Franklin County records, as of January 5, 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	131 HERNDON RD, CARRABELLE, FL 32322-2082
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Feb 16, 2018	Deed of Trust, Mortgage · FHA Mortgage CRESCENT MTG
Feb 14, 2017	Trustee's Deed, Construction Loan · Construction Mortgage HAMILTON ST BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 3, 2016 · Amount on Record
Deed Sale	Mar 3, 2016 · Amount on Record
Deed Document Number	201619001030
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN FL
Property Address	131 HERNDON RD, CARRABELLE, FL 32322-2082
Transaction Type	Mortgage
Record Updated	Aug 4, 2021
Title Company	MIDFLORIDA TITLE PROFESSIONALS, FLORIDA TITLE PROFESSIONAL

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	131 HERNDON RD, CARRABELLE, FL 32322-2082

Mortgage

Document Number	0019003795
Date	Jun 15, 2021
Book Page	1304/458
Instrument	202119003795

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN FL
Property Address	131 HERNDON RD, CARRABELLE, FL 32322-2082
Document Number	0019000834
Instrument Date	Feb 16, 2018
Transaction Type	Mortgage
Record Updated	Mar 15, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	957 US HIGHWAY 98 EASTPOINT FL 323283601, EASTPOINT, FL 32328-3601

Mortgage

Document Number	0019000834
Date	Feb 22, 2018
Book Page	001212/000261
Instrument	19000834

Lender

Name	CRESCENT MTG
Type	Mortgage Company
Address	ATLANTA, GA 30328

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 21, 2048

February 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	FRANKLIN FL
Recording Date	Feb 14, 2017
Property Address	131 HERNDON RD, CARRABELLE, FL 32322-2082
Book / Page	001185 / 000536
Instrument Date	Feb 13, 2017
Instrument	19000611
Transaction Type	Construction Loan
Record Updated	Feb 23, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	957 US HIGHWAY 98 EASTPOINT FL 323283601, EASTPOINT, FL 32328-3601

Mortgage

Document Number	0019000611
Date	Feb 14, 2017
Book Page	001185/000536
Instrument	19000611

Lender

Name	HAMILTON ST BK
Type	Bank
Address	FLOWERY BRANCH, GA 30542

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Feb 13, 2018

Tax Assessment & Valuation

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	$1,377.00 (+2.38%) Homeowner's exemption	$182,461 (+2.9%)	$336,350 (-8.4%) Land $43,520 Building $292,830
2024	$1,345.00 (-0.07%) Homeowner's exemption	$177,319 (+3%)	$367,187 (+33.67%) Land $70,400 Building $296,787
2023	$1,346.00 (+0.9%) Homeowner's exemption	$172,154 (+3%)	$274,699 (+29.54%) Land $38,400 Building $236,299
2022	$1,334.00 Homeowner's exemption	$167,140	$212,063 Land $38,400 Building $173,663

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 A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
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 83% of the US · above 74% of Florida
Wildfire Likelihood	0.6% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6
Fidium Fiber DSL	10 / 1

Cell Coverage

5G (outdoors only) and 4G LTE

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