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  5. 13th St

148 13th St, Apalachicola, FL 32320 Property Records

Franklin County property record for 148 13th St, Apalachicola, FL 32320

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,220 sqft · built 2022
Lot Size0.158 acres (6,892 sqft)
Owner2 Individual Names on Record
Last Sale$400,000 (Jul 2025)
Tax Bill$3,982 (2025)
Deeds & MortgagesMay 2021 Construction Loan
Jul 2025 Sale
+ 3 more
Flood ZoneZone X (minimal risk)
APN01-09S-08W-8330-0090-0020

Property Details

APN / Parcel Number

Primary APN01-09S-08W-8330-0090-0020
Alternative APN
  • 08W09S01833000900020

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,220 sqft Living Area
Gross Area1,340 sqft
1st Floor Area1,220 sqft
FlooringTile

Exterior

Year BuiltBuilt 2022
Effective Year BuiltEffective 2022
Architectural StyleBungalow
Exterior MaterialConcrete
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area6,892 sqft (0.158 acres)
Lot Width60 ft Width
PorchFinished Screened Porch
Porch Area32 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address148 13TH ST
CityAPALACHICOLA
StateFL
Zip32320-1648
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionBL 90 NW 1/2 LOT 2 & SE 1/2 LOT 3 61/295 1161/297 1216/34 1264/717 1387/128 1420/97-CD 1422/130
Legal Range08W
Legal Township09S
Legal Section01
Legal Subdivision8330
Legal Block90
Legal Lot Number2,3
JurisdictionFRANKLIN FL
Township / Civil DivisionAPALACHICOLA
Census Block Group3
Census Block3068
Census Tract970304

Owner

Source: Franklin County records, as of October 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 AddressPO BOX 905, APALACHICOLA, FL 32329-0905
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
May 25, 2021Deed of Trust, Mortgage · Construction Mortgage
CENTENNIAL BANK
Jul 11, 2025Warranty Deed, Transfer
ATTORNEY ONLY, ATTORNEY
Jun 17, 2025Correction Deed
ATTORNEY ONLY, ATTORNEY
Mar 15, 2024Intrafamily Transfer, Transfer
ACCOMODATION, ACCOMMODATION
May 11, 2020Warranty Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 11, 2025 · Amount on Record
Deed SaleJul 11, 2025 · Amount on Record
Prior SaleMay 11, 2020 · Amount on Record
Deed Document Number20253213
Deed Book / Page1422 / 130
Prior Transfer DateMar 14, 2024
Prior Transfer Doc0019001268
Record UpdatedOct 29, 2026

May 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionFRANKLIN FL
Property Address148 13TH ST, APALACHICOLA, FL 32320-1648
Transaction TypeMortgage
Record UpdatedJan 6, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address929 9TH AVE S, SOUTH SAINT PAUL, MN 55075-2921

Mortgage

Document Number0019003333
DateMay 25, 2021
Book Page1302/286
Instrument202119003333
Lender
NameCENTENNIAL BANK
TypeBank
AddressCONWAY, AR 72033
Agreement
TypeConstruction Mortgage
AmountAmount Recorded
Term373 Months
DueJun 1, 2052

July 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionFRANKLIN FL
Recording DateJul 11, 2025
Property Address148 13TH ST, APALACHICOLA, FL 32320-1648
Document Number0019003213
Book / Page1422 / 130
Instrument DateJul 11, 2025
Instrument202519003213
Transaction TypeTransfer
Record UpdatedJan 6, 2026
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
Tax$2,800.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
AddressPO BOX 20068, CINCINNATI, OH 45220-0068

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
AddressPO BOX 905, APALACHICOLA, FL 32329-0905

June 2025: Correction Deed

Document TypeCorrection Deed
JurisdictionFRANKLIN FL
Recording DateJun 17, 2025
Property Address148 13TH ST, APALACHICOLA, FL 32320-1648
Document Number0019002759
Book / Page1420 / 97
Instrument DateJun 17, 2025
Instrument202519002759
Record UpdatedJan 6, 2026
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated

Transferred From (Grantor/Seller)

NameVerified Name
Address148 13TH ST, APALACHICOLA, FL 32320-1648

Transferred To (Grantee/Buyer)

NameVerified Name
Address148 13TH ST, APALACHICOLA, FL 32320-1648

March 2024: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionFRANKLIN FL
Recording DateMar 15, 2024
Property Address148 13TH ST, APALACHICOLA, FL 32320-1648
Document Number0019001268
Book / Page1387 / 128
Instrument DateMar 14, 2024
Instrument202419001268
Transaction TypeTransfer
Record UpdatedJan 6, 2026
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address148 13TH ST, APALACHICOLA, FL 32320-1648

Transferred To (Grantee/Buyer)

NameVerified Name
Address148 13TH ST, APALACHICOLA, FL 32320-1648

May 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionFRANKLIN FL
Recording DateMay 11, 2020
Property Address148 WILLIE B SPEED ST, APALACHICOLA, FL 32320
Document Number0019001893
Book / Page001264 / 000717
Instrument DateMay 11, 2020
Instrument19001893
Transaction TypeTransfer
Record UpdatedJun 11, 2020
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$196.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address929 9TH AVE S SOUTH ST PAUL MN 550752921, SOUTH ST PAUL, MN 55075-2921

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,982.00 (-14.38%)$270,800 (-11.72%) Land $23,040 Building $247,760$270,800 (-12.87%) Land $23,040 Building $247,760
2024$4,651.00 (+1.35%) Homeowner's exemption$306,746 (+3%)$310,809 (+4.36%) Land $23,040 Building $287,769
2023$4,589.00 (+2,367.2%) Homeowner's exemption$297,812 (+2,826.61%) Land $16,800 Building $281,012$297,812 (+2,826.61%) Land $16,800 Building $281,012
2022$186.00$10,176 Land $10,176$10,176 Land $10,176

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 X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 55 individual policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies85 units insured
incl. 30 condo units
Nearby Flood Claims65 (1985–2020)
Claims Outside the SFHA7 of 65
Most Recent ClaimSep 2020 · Hurricane Sally
Claims by Event
  • Hurricane Michael, Oct 2018 · 25 claims
  • Hurricane Dennis, Jul 2005 · 13 claims
  • Hurricane Kate, Nov 1985 · 9 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 64% of the US · lower than 90% of Florida
Wildfire Likelihood0.03% annual chance
ExposureIndirect
within 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 SystemCITY OF APALACHICOLA
serves 5,235 people · EPA ID FL1190150
Water SourceGroundwater
Last State InspectionMar 2025
Lead3 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water QualityTotal trihalomethanes
not recorded as resolved · Apr 2022
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting3
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 310 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Mediacom Xtream
Cable · Fiber in parts of the area		1,000 / 50
AT&T
Fixed Wireless		100 / 20
T-Mobile
Fixed Wireless		100 / 20

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