1489 Alligator Dr, Panacea, FL 32346 Property Records

Franklin County property record for 1489 Alligator Dr, Panacea, FL 32346 · Last verified January 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bathrooms	2 Baths
Year Built	Built 1978
Square Footage	1,276 sqft Heated Area
Lot Size	15,725 sqft (0.36 acres)
Occupancy	Owner Occupied
Last Sale	$301,000 (2016)
Tax Bill	$3,724.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`06-07S-01W-1042-000H-0050`

Interior

Full Baths	2 Baths
Building Area	1,276 sqft Heated Area
Stories	1 Stories
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 1978
Exterior Material	Other Exterior
Roof Material	Composition Shingle Roof
Lot Area	15,725 sqft (0.36 acres)
Depth X Width	175 ft x 90 ft Depth x Width
Deck Area	1,276 sqft Deck
Porch	1 Porch
Porch Area	736 sqft Porch

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Forced Air Heating

Location & Zoning

Street Address	1489 ALLIGATOR DR
City	PANACEA
State	FL
Zip	32346-5115
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	UNIT 2 BL H LOT 5 PENN POINT OR 107/320 149/163-65 356/273 ORB 396 PAGE 36 1177/739
Legal Range	01W
Legal Township	07S
Legal Section	06
Legal Subdivision	PENINSULAR POINT
Legal Block	H
Legal Lot Number	5
Legal Unit	2
Jurisdiction	FRANKLIN FL
Minor Civil Division	CARRABELLE
Census Blockgroup	2
Census Block	2003
Census Tract	970102

Owner

Source: Franklin County records · APN 06-07S-01W-1042-000H-0050

Assessment roll updated July 1, 2025 · Last verified January 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 File
Mailing Address	1489 ALLIGATOR DR, PANACEA, FL 32346-5115
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 03, 2016 · Amount on Record
Deed Sale	Oct 03, 2016 · Amount on Record
Deed Doc Number	201619004695
Deed Book / Page	1177 / 739
Record Refreshed	Jun 08, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN FL
Property Address	1489 ALLIGATOR DR, PANACEA, FL 32346-5115
Transaction Type	Mortgage
Record Updated	Jul 04, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1489 ALLIGATOR DR, PANACEA, FL 32346-5115

Mortgage

Document Number	0019002952
Date	Jun 12, 2023
Book Page	1366/140
Instrument	202319002952

Lender

Name	WHITNEY BANK
Type	Bank
Address	GULFPORT, MS 39501

Agreement

Type	Building or Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Type Change Date	Jul 01, 2033
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	11.7%
Index	Other
Max Rate	11.7%

Tax Assessment & Valuation

Source: Franklin County records · Assessment roll updated July 1, 2025 · Last verified January 2026

Property Jurisdictions

Type	Name
State	Florida
County	Franklin County
Unified School District	Franklin County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,724.00 (+19.51%)	$400,060 (+41.9%) Land $378,000 Building $22,060	$400,060 (+41.9%) Land $378,000 Building $22,060
2024	$3,116.00 (-29.33%)	$281,935 (-26.85%) Land $259,875 Building $22,060	$281,935 (-26.85%) Land $259,875 Building $22,060
2023	$4,409.00 (-0.56%)	$385,396 (+2.16%) Land $237,825 Building $147,571	$385,396 (+2.16%) Land $237,825 Building $147,571
2022	$4,434.00	$377,265 Land $237,825 Building $139,440	$377,265 Land $237,825 Building $139,440

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Franklin County (12037C), updated April 23, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone VE coastal, wave action
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Special Flood Hazard Area	Yes
Flood Insurance Requirement	Required (federally backed mortgages)
Floodway	No
Base Flood Elevation	16.0 ft
Coastal	Yes

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.