1655 Alligator Dr, Panacea, FL 32346 Property Records

Franklin County property record for 1655 Alligator Dr, Panacea, FL 32346

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,340 sqft · built 1976
Lot Size	0.505 acres (21,998 sqft)
Owner	Individual Name on File
Last Sale	$405,000 (May 2017)
Tax Bill	$4,999 (2025)
Deeds & Mortgages	Sep 2021 Transfer May 2017 Sale & Mortgage
Flood Zone	Zone VE (high risk)
APN	`03-07S-02W-1010-0000-053S`

Property Details

APN / Parcel Number

Primary APN	`03-07S-02W-1010-0000-053S`
Alternative APN	`02W07S0310100000053S`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,340 sqft Living Area
1st Floor Area	1,340 sqft
Flooring	Vinyl/Resilient
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	21,998 sqft (0.505 acres)
Lot Dimensions	220 ft deep x 100 ft wide
View / Lot	Gulf

Exterior Amenities

Porch	Unfinished Open Porch
Porch Area	448 sqft
Deck Area	20 sqft
Storage Building	110 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1655 ALLIGATOR DR
City	PANACEA
State	FL
Zip	32346-5119
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 53 S OF HWY ALLIGATOR PT OR 119/105 138/141 262/155 390/168-70 458/307 464/65 1193/116 1314/657
Legal Range	02W
Legal Township	07S
Legal Section	03
Legal Subdivision	ALLIGATOR POINT
Legal Lot Number	53
Jurisdiction	FRANKLIN FL
Township / Civil Division	CARRABELLE
Census Block Group	2
Census Block	2003
Census Tract	970102

Owner

1655 Alligator Dr is owned and occupied by an individual who acquired it in August 2021.

Source: Franklin County records, as of November 26, 2025

Owner of Record	Individual Name on File
Mailing Address	1655 ALLIGATOR DR, ALLIGATOR POINT, FL 32346-5119
Occupancy	Owner Occupied
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
Sep 24, 2021	Intrafamily Transfer, Transfer
May 23, 2017	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 23, 2017 · Amount on File
Deed Sale	May 23, 2017 · Amount on File
Deed Document Number	20172574
Deed Book / Page	1193 / 116
Last Transfer Date	Aug 4, 2021
Transfer Doc	0019006061
Record Updated	Jun 8, 2026

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FRANKLIN FL
Recording Date	Sep 24, 2021
Property Address	1655 ALLIGATOR DR, ALLIGATOR POINT, FL 32346-5119
Document Number	0019006061
Book / Page	1314 / 657
Map Reference	MB 1 PG 25-28
Instrument Date	Aug 4, 2021
Instrument	202119006061
Transaction Type	Transfer
Record Updated	Jan 25, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1655 ALLIGATOR DR, PANACEA, FL 32346-5119

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN FL
Recording Date	May 23, 2017
Property Address	1655 ALLIGATOR DR, ALLIGATOR POINT, FL 32346-5119
Document Number	0019002574
Book / Page	1193 / 116
Map Reference	MB1 PG25-28
Instrument Date	May 15, 2017
Instrument	201719002574
Transaction Type	Transfer
Record Updated	Jan 25, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,835.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1655 ALLIGATOR DR, ALLIGATOR POINT, FL 32346-5119

Mortgage

Document Number	0000000119
Date	May 23, 2017
Instrument	1193/119

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1655 Alligator Dr was $4,999 with a homeowner's exemption, 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
Unified School District	Franklin County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,999.00 (+0.93%) Homeowner's exemption	$508,022 (+2.9%)	$693,540 (+30.86%) Land $528,000 Building $165,540
2024	$4,953.00 (-1.1%) Homeowner's exemption	$493,705 (+3%)	$529,973 (+10.57%) Land $363,000 Building $166,973
2023	$5,008.00 (-0.87%) Homeowner's exemption	$479,325 (+1.73%) Land $352,000 Building $127,325	$479,325 (+1.73%) Land $352,000 Building $127,325
2022	$5,052.00 Homeowner's exemption	$471,179 Land $352,000 Building $119,179	$471,179 Land $352,000 Building $119,179

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

Flood

FEMA maps place 1655 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	17.0 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 1655 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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