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1360 Chip Morrison Dr, Alligator Point (Panacea), FL 32346 Property Records

Franklin County property record for 1360 Chip Morrison Dr, Alligator Point, FL 32346

Property Summary

Property TypeSingle Family Home
Details3 bd · 3.5 ba · 2,528 sqft · built 2023
Lot Size0.631 acres (27,486 sqft)
Owner2 Individual Names on Record
Last Sale$989,000 (Dec 2023)
Tax Bill$9,535 (2025)
Deeds & MortgagesMar 2022 Construction Loan
Dec 2023 Sale
Flood ZoneZone VE (high risk)
APN06-07S-01W-1046-000U-0020

Property Details

APN / Parcel Number

Primary APN06-07S-01W-1046-000U-0020
Alternative APN
  • 01W07S061046000U0020

Interior

Bedrooms3 Beds
Full Baths3.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area2,528 sqft Living Area
1st Floor Area2,528 sqft
FlooringTile

Exterior

Year BuiltBuilt 2023
Effective Year BuiltEffective 2023
Architectural StyleBungalow
Exterior MaterialConcrete
Construction TypeWood
Roof MaterialMetal
Lot Area27,486 sqft (0.631 acres)
Lot Dimensions275 ft deep x 100 ft wide
View / LotWater View
PorchSlab
Porch Area2,238 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address1360 CHIP MORRISON DR
CityPANACEA
StateFL
Zip32346-5150
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionUNIT 6 BL U LOT 2 PENN POINT OR 104/107 508/68 590/710 784/257 1063/580 1284/651 1380/608
Legal Range01W
Legal Township07S
Legal Section06
Legal SubdivisionPENN POINT
Legal BlockU
Legal Lot Number2
Legal Unit6
JurisdictionFRANKLIN FL
Township / Civil DivisionCARRABELLE
Census Block Group2
Census Block2009
Census Tract970102

Owner

Source: Franklin County records, as of August 12, 2026

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

Owner of Record2 Individual Names on Record
Mailing Address145 SILVERMERE, FAYETTEVILLE, GA 30215-2753
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 8, 2022Deed of Trust, Mortgage · Construction Mortgage
AMERIS BANK
Dec 6, 2023Warranty Deed, Transfer
WAKULLA TITLE COMPANY INC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 6, 2023 · Amount on Record
Deed SaleDec 6, 2023 · Amount on Record
Prior SaleJun 5, 2012 · Amount on Record
Deed Document Number20236302
Deed Book / Page1380 / 608
Record UpdatedSep 20, 2026

March 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionFRANKLIN FL
Property Address1360 CHIP MORRISON DR, ALLIGATOR POINT, FL 32346-5150
Transaction TypeMortgage
Record UpdatedJan 6, 2026
Title CompanyALL FLORIDA TITLE SERVICES INC, ALL FLORIDA TITLE SERVICES

Transferred To (Grantee/Buyer)

NameVerified Name
Address1360 CHIP MORRISON DR, ALLIGATOR POINT, FL 32346-5150

Mortgage

Document Number0019001384
DateMar 8, 2022
Book Page1328/637
Instrument202219001384
Lender
NameAMERIS BANK
TypeBank
AddressMARIETTA, GA 30067
Agreement
TypeConstruction Mortgage
AmountAmount Recorded
Term372 Months
DueMar 1, 2053

December 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionFRANKLIN FL
Recording DateDec 6, 2023
Property Address1360 CHIP MORRISON DR, ALLIGATOR POINT, FL 32346-5150
Document Number0019006302
Book / Page1380 / 608
Map ReferenceMB 2 PG 2
Instrument DateNov 17, 2023
Instrument202319006302
Transaction TypeTransfer
Record UpdatedJan 6, 2026
Title CompanyWAKULLA TITLE COMPANY INC

Transaction

AmountAmount Recorded
Tax$6,923.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address145 SILVERMERE, FAYETTEVILLE, GA 30215-2753

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$9,535.00 (-2.93%)$900,075 (-0.83%) Land $150,000 Building $750,075$900,075 (-0.83%) Land $150,000 Building $750,075
2024$9,823.00 (+951.71%)$907,652 (+967.83%) Land $150,000 Building $757,652$907,652 (+967.83%) Land $150,000 Building $757,652
2023$934.00 (+2.86%)$85,000 (-) Land $85,000$85,000 (-) Land $85,000
2022$908.00$85,000 Land $85,000$85,000 Land $85,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 Elevation16.0 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

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 RiskLow
lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood0.03% annual chance
ExposureDirect
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 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 84 locations within half a mile, as of December 31, 2025

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

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