1649 Alligator Dr, Alligator Point (Panacea), FL 32346 Property Records

Franklin County property record for 1649 Alligator Dr, Alligator Point, FL 32346

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,733 sqft · built 1980
Lot Size	0.444 acres (19,384 sqft)
Owner	Individual Name on File
Last Sale	$1,350,000 (Sep 2023)
Tax Bill	$13,495 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage
Flood Zone	Zone VE (high risk)
APN	`03-07S-02W-1010-0000-0500`

Property Details

APN / Parcel Number

Primary APN	`03-07S-02W-1010-0000-0500`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,733 sqft Heated Area
Gross Area	3,035 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 1980
Effective Year Built	Effective 2019
Exterior Material	Fiber Cement Siding
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	19,384 sqft (0.444 acres)
Lot Dimensions	194 ft deep x 100 ft wide

Exterior Amenities

Porch	Open Porch
Porch Area	726 sqft
Deck Area	419 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1649 ALLIGATOR DR
City	ALLIGATOR POINT
State	FL
Zip	32346-5119
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 50 ALLIGATOR POINT SUB OR 572/297 1033/609 1373/444
Legal Range	02W
Legal Township	07S
Legal Section	03
Legal Subdivision	ALLIGATOR POINT SUB
Legal Lot Number	50
Jurisdiction	FRANKLIN FL
Township / Civil Division	CARRABELLE
Census Block Group	2
Census Block	2003
Census Tract	970102

Owner

1649 Alligator Dr is owned by an individual who bought it in September 2023.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2932 QUAIL RISE CT, TALLAHASSEE, FL 32309-6300
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 1, 2023 · Amount on File
Deed Sale	Sep 1, 2023 · Amount on File
Prior Sale	Aug 28, 2012
Deed Document Number	202319004561
Deed Book / Page	1373 / 444
Record Updated	Jun 8, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN FL
Recording Date	Sep 1, 2023
Property Address	1649 ALLIGATOR DR, ALLIGATOR POINT, FL 32346
Document Number	0019004561
Book / Page	1373 / 444
Map Reference	MB 1 PG 25-28
Instrument Date	Aug 31, 2023
Instrument	202319004561
Transaction Type	Transfer
Record Updated	Sep 27, 2023
Title Company	BROWN TITLE COMPANY, OWEN TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9,450.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2932 QUAIL RISE CT, TALLAHASSEE, FL 32309-6300

Mortgage

Document Number	0000000445
Date	Sep 1, 2023
Instrument	1373/445

Lender

Name	PRIME MERIDIAN BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 1649 Alligator Dr was $13,495, up 8.1% 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	$13,495.00 (+8.06%)	$1,286,030 (+11.22%) Land $465,600 Building $820,430	$1,286,030 (+11.22%) Land $465,600 Building $820,430
2024	$12,488.00 (+112.38%)	$1,156,332 (+123.78%) Land $320,100 Building $836,232	$1,156,332 (+123.78%) Land $320,100 Building $836,232
2023	$5,880.00 (+6.81%)	$516,722 (+9.86%) Land $310,400 Building $206,322	$516,722 (+9.86%) Land $310,400 Building $206,322
2022	$5,505.00	$470,352 Land $310,400 Building $159,952	$470,352 Land $310,400 Building $159,952

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

Flood

FEMA maps place 1649 Alligator 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 293 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	329 units insured incl. 36 condo units
Nearby Flood Claims	72 (2005–2024)
Most Recent Claim	Sep 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

The area around 1649 Alligator Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land 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 System	ALLIGATOR POINT WATER RESOURCE DISTRICT public/private · serves 1,400 people · EPA ID FL1190013
Water Source	Groundwater
Last State Inspection	Jun 2024
Lead	Under 1 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	None 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 38 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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