1582 Bayou Dr, Carrabelle, FL 32322 Property Records

Franklin County property record for 1582 Bayou Dr, Carrabelle, FL 32322

Property Summary

Property Type	Other
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$192,500 (Jul 2025)
Tax Bill	$2,097 (2025)
Deeds & Mortgages	May 2026 Mortgage Jul 2025 Sale & Mortgage + 4 more
Flood Zone	Zone VE (high risk)
APN	`30-07S-04W-0330-0000-0130`

Property Details

APN / Parcel Number

Primary APN	`30-07S-04W-0330-0000-0130`
Alternative APN	`04W07S30033000000130`

Exterior

Lot Area	43,560 sqft (1 acres)
View / Lot	Bayou
Deck Area	30 sqft
Boat Access	Boat Access

Location & Zoning

Street Address	1582 BAYOU DR
City	CARRABELLE
State	FL
Zip	32322-5051
Property Category	Other
Property Type	Other > Miscellaneous
Legal Description	LOT 13 BAYOU HARBOUR OR 502/39 573/288 611/441 659/166 799/549 862/21 1044/644 1092/766 1121/155 1189/536 1206/40 1283/12 1309/524 1344/105 1422/451
Legal Range	04W
Legal Township	07S
Legal Section	30
Legal Subdivision	BAYOU HARBOUR
Legal Lot Number	13
Jurisdiction	FRANKLIN FL
Township / Civil Division	EASTPOINT
Census Block Group	1
Census Block	1308
Census Tract	970200

Owner

1582 Bayou Dr is owned by two individuals who bought it in July 2025.

Source: Franklin County records, as of June 1, 2026

Owner of Record	2 Individual Names on File
Mailing Address	10066 WAUKEENAH HWY, MONTICELLO, FL 32344-7495
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 12, 2026	Deed of Trust, Mortgage · Conventional Mortgage CAPITOL CITY HOME LOANS
Jul 17, 2025	Warranty Deed, Transfer · Conventional Mortgage CAPITAL CITY HOME LOANS LLC
Aug 16, 2022	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Jul 30, 2021	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Nov 13, 2017	Warranty Deed, Transfer TALLAHASSEE TITLE GROUP LLC
Apr 6, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 17, 2025 · Amount on File
Deed Sale	Jul 17, 2025 · Amount on File
Prior Sale	Jul 30, 2021 · Amount on File
Deed Document Number	20253320
Deed Book / Page	1422 / 451
Prior Transfer Date	May 23, 2014
Prior Transfer Doc	0019003034
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN FL
Recording Date	May 12, 2026
Property Address	1582 BAYOU DR, CARRABELLE, FL 32322-5051
Document Number	0000002169
Book / Page	1444 / 602
Instrument Date	May 12, 2026
Instrument	20262169
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10066 WAUKEENAH HWY, MONTICELLO, FL 32344-7495
Investor	Possibly a Property Investor

Mortgage

Document Number	0000002169,
Date	May 12, 2026
Book Page	1444/602
Instrument	20262169

Lender

Name	CAPITOL CITY HOME LOANS

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.88%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN FL
Recording Date	Jul 17, 2025
Property Address	1582 BAYOU DR, CARRABELLE, FL 32322-5051
Document Number	0019003320
Book / Page	1422 / 451
Map Reference	MB 5 PG 38
Instrument Date	Jul 2, 2025
Instrument	202519003320
Transaction Type	Transfer
Record Updated	Jan 6, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,347.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4044 MCLAUGHLIN DR, TALLAHASSEE, FL 32309-2759

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10066 WAUKEENAH HWY, MONTICELLO, FL 32344-7495

Mortgage

Document Number	0000000453
Date	Jul 17, 2025
Instrument	1422/453

Lender

Name	CAPITAL CITY HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2040

Interest

Rate Type	Adjustable Rate
Rate	7.87%
Type Change Date	Aug 1, 2028
Change Frequency	6 Months
Min Rate At Change	7.87%
Max Rate At Change	9.87%
Index	SOFR Average 30-Day
Max Rate	13.8%

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FRANKLIN FL
Recording Date	Aug 16, 2022
Property Address	1582 BAYOU DR, CARRABELLE, FL 32322-5051
Document Number	0019004827
Book / Page	1344 / 105
Map Reference	MB 5 PG 38
Instrument Date	Aug 16, 2022
Instrument	202219004827
Transaction Type	Transfer
Record Updated	Jan 6, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4044 MCLAUGHLIN DR, TALLAHASSEE, FL 32309-2759

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	4044 MCLAUGHLIN DR, TALLAHASSEE, FL 32309-2759

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN FL
Recording Date	Jul 30, 2021
Property Address	1582 BAYOU DR, CARRABELLE, FL 32322-5051
Document Number	0019004863
Book / Page	1309 / 524
Map Reference	MB 5 PG 38
Instrument Date	Jul 29, 2021
Instrument	202119004863
Transaction Type	Transfer
Record Updated	Jan 6, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$875.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5869 COTHRON LN, VALDOSTA, GA 31601-8711

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4044 MCLAUGHLIN DR, TALLAHASSEE, FL 32309-2759

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN FL
Recording Date	Nov 13, 2017
Property Address	1582 BAYOU DR, CARRABELLE, FL 32322-5051
Document Number	0019005764
Book / Page	001206 / 000040
Instrument Date	Nov 10, 2017
Instrument	19005764
Transaction Type	Transfer
Record Updated	Nov 22, 2017
Title Company	TALLAHASSEE TITLE GROUP LLC

Transaction

Amount	Amount on Record
Tax	$322.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 217 LEWISPORT KY 423510217, LEWISPORT, KY 42351-0217

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN FL
Recording Date	Apr 6, 2017
Property Address	1582 BAYOU DR, CARRABELLE, FL 32322-5051
Document Number	0019001666
Book / Page	001189 / 000536
Instrument Date	Apr 3, 2017
Instrument	19001666
Transaction Type	Transfer
Record Updated	Apr 18, 2017

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	219 SWEETWATER CREEK DR CANTON GA 301147860, CANTON, GA 30114-7860

Tax Assessment & Valuation

The 2025 property tax bill for 1582 Bayou Dr was $2,097, up 0.9% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,097.00 (+0.87%)	$125,150 (-) Land $115,000 Building $10,150	$125,150 (-) Land $115,000 Building $10,150
2024	$2,079.00 (-2.26%)	$125,150 (-) Land $115,000 Building $10,150	$125,150 (-) Land $115,000 Building $10,150
2023	$2,127.00 (-1.48%)	$125,150 (-) Land $115,000 Building $10,150	$125,150 (-) Land $115,000 Building $10,150
2022	$2,159.00	$125,150 Land $115,000 Building $10,150	$125,150 Land $115,000 Building $10,150

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

Flood

FEMA maps place 1582 Bayou Dr in Zone VE, a high-risk coastal flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective April 23, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone VE high risk · coastal, wave action
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	18.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File 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

Wildfire risk around 1582 Bayou Dr is high, ranking above 72% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 72% of the US · above 55% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct 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 System	CITY OF CARRABELLE WATER SYSTEM serves 3,690 people · EPA ID FL1190118
Water Source	Groundwater
Last State Inspection	Mar 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 11 locations within half a mile, as of December 31, 2025

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

May also be available: Fidium Fiber.

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