1640 E Gulf Beach Dr, Eastpoint, FL 32328 Property Records

Franklin County property record for 1640 E Gulf Beach Dr, Eastpoint, FL 32328

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 2,790 sqft · built 2003
Lot Size	1.01 acres (43,996 sqft)
Owner	Individual Name on File
Last Sale	$1,100,000 (Dec 2020)
Tax Bill	$11,935 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Dec 2020 Sale & Mortgage
Flood Zone	Zone VE (high risk)
APN	`29-09S-06W-7317-0000-0231`

Property Details

APN / Parcel Number

Primary APN	`29-09S-06W-7317-0000-0231`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Stories	2 Stories
Building Area	2,790 sqft Heated Area
Gross Area	3,515 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	43,996 sqft
Porch	Open Porch
Porch Area	675 sqft
Deck Area	176 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1640 E GULF BEACH DR
City	EASTPOINT
State	FL
Zip	32328
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NW COR OF LOT 23 EAST END OF ISLAND 1.01 AC PARCEL BEING 228.53 X 190.61' 182/609 633/792 840/393 1036/99 1105/388 5' BEACH E
Legal Range	06W
Legal Township	09S
Legal Section	29
Legal Tract	23
Legal Lot Number	23
Jurisdiction	FRANKLIN FL
Township / Civil Division	APALACHICOLA
Census Block Group	1
Census Block	1005
Census Tract	970304

Owner

1640 E Gulf Beach Dr is owned by an individual who bought it in December 2020.

Source: Franklin County records, as of January 5, 2026

Owner of Record	Individual Name on File
Co-owner	2 Co-owners on File
Mailing Address	BROOKHAVEN, GA 30319
Owner Type	Individual

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
Dec 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage LINCOLN CAPITAL ADVISORS LLC
Dec 18, 2020	Warranty Deed, Transfer · Conventional Mortgage RENASANT BANK

Assessor's Deed Record

Deed Names	4 Names on Deed
Last Sale	Dec 18, 2020 · Amount on File
Deed Sale	Dec 18, 2020 · Amount on File
Prior Sale	Jun 2, 2011 · Amount on File
Deed Document Number	202019006158
Deed Book / Page	1285 / 260
Record Updated	Jun 8, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN FL
Property Address	1640 E GULF BEACH DR, EASTPOINT, FL 32328
Transaction Type	Mortgage
Record Updated	Jan 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3164 SAYBROOK DR NE, BROOKHAVEN, GA 30319-2440

Mortgage

Document Number	0019007848
Date	Dec 27, 2021
Book Page	1322/395
Instrument	202119007848

Lender

Name	LINCOLN CAPITAL ADVISORS LLC
Type	Non-Lending Institution
Address	ROSWELL, GA 30075

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN FL
Recording Date	Dec 18, 2020
Property Address	1640 E GULF BEACH DR, EASTPOINT, FL 32328
Document Number	0019006158
Book / Page	1285 / 260
Instrument Date	Dec 17, 2020
Instrument	202019006158
Transaction Type	Transfer
Record Updated	Jan 25, 2022
Title Company	DODD TITLE COMPANY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,700.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1330 BISHOPS PLACE DR, 1330, SPRING, TX 77379-5605

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	3165 SAYBROOK DR NE, BROOKHAVEN, GA 30319-2439

Mortgage

Document Number	0000000263
Date	Dec 18, 2020
Instrument	1285/263

Lender

Name	RENASANT BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Type Change Date	Jan 1, 2028
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	8.37%
Index	1-Year CMT
Max Rate	8.37%

Tax Assessment & Valuation

The 2025 property tax bill for 1640 E Gulf Beach Dr was $11,935, down 0.3% from the year before.

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	$11,935.00 (-0.28%)	$1,381,743 (-7.83%) Land $350,000 Building $1,031,743	$1,381,743 (-7.83%) Land $350,000 Building $1,031,743
2024	$11,968.00 (+7.45%)	$1,499,092 (+13.37%) Land $350,000 Building $1,149,092	$1,499,092 (+13.37%) Land $350,000 Building $1,149,092
2023	$11,138.00 (+6.78%)	$1,322,346 (+10.24%) Land $350,000 Building $972,346	$1,322,346 (+10.24%) Land $350,000 Building $972,346
2022	$10,431.00	$1,199,543 Land $280,000 Building $919,543	$1,199,543 Land $280,000 Building $919,543

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

Flood

FEMA maps place 1640 E Gulf Beach 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	14.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 997 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1,020 units insured incl. 23 condo units
Nearby Flood Claims	1,119 (1985–2024)
Claims Outside the SFHA	1 of 1,119
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Michael, Oct 2018 · 524 claims Hurricane Dennis, Jul 2005 · 335 claims Hurricane Opal, Oct 1995 · 58 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 1640 E Gulf Beach Dr is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 96% of the US · lower than 96% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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 System	WATER MGMT SERVICES (ST. GEORGE ISLAND) private · serves 5,272 people · EPA ID FL1190789
Water Source	Groundwater
Last State Inspection	Feb 2024
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids not recorded as resolved · Apr 2024 Total trihalomethanes resolved · Apr 2020
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 43 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Fidium Fiber Fiber	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50

Cell Coverage

5G and 4G LTE (outdoors only)

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