2 Cobia St, Alligator Point (Panacea), FL 32346 Property Records

Franklin County property record for 2 Cobia St, Alligator Point, FL 32346

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 924 sqft · built 1975
Lot Size	0.162 acres (7,100 sqft)
Owner	Individual Name on Record
Last Sale	$325,000 (Dec 2021)
Tax Bill	$3,487 (2025)
Deeds & Mortgages	Dec 2021 Sale & Line of Credit
Flood Zone	Zone VE (high risk)
APN	`28-06S-01W-1051-0007-0670`

Property Details

APN / Parcel Number

Primary APN	`28-06S-01W-1051-0007-0670`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	924 sqft Heated Area
Gross Area	1,020 sqft
Flooring	Tile
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 1975
Effective Year Built	Effective 2005
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,100 sqft (0.162 acres)
Lot Dimensions	95 ft deep x 75 ft wide
Porch	Open Porch
Porch Area	272 sqft
Storage Building	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	2 COBIA ST
City	ALLIGATOR POINT
State	FL
Zip	32346-5200
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	UNIT 1 BL 7 LOT 67 SOUTHERN DUNES OR 177/555 ORB 308/275 OR/320/318 OR 456/249 976/405 1322/379
Legal Range	01W
Legal Township	06S
Legal Section	28
Legal Subdivision	SOUTHERN DUNES
Legal Block	7
Legal Lot Number	67
Legal Unit	1
Jurisdiction	FRANKLIN FL
Township / Civil Division	CARRABELLE
Census Block Group	2
Census Block	2003
Census Tract	970102

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	676 ALLIGATOR DR, ALLIGATOR POINT, FL 32346-5102
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 27, 2021 · Amount on Record
Deed Sale	Dec 27, 2021 · Amount on Record
Prior Sale	Oct 23, 2008
Deed Document Number	202119007844
Deed Book / Page	1322 / 379
Record Updated	Jun 8, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN FL
Recording Date	Dec 27, 2021
Property Address	2 COBIA ST, ALLIGATOR POINT, FL 32346-5200
Document Number	0019007844
Book / Page	1322 / 379
Map Reference	MB 2 PG 22A
Instrument Date	Dec 21, 2021
Instrument	202119007844
Transaction Type	Transfer
Record Updated	Jan 6, 2026
Title Company	ACORN CLOSING SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,275.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1671 WATKINS RD, BOSTON, GA 31626-3713

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	676 ALLIGATOR DR, ALLIGATOR POINT, FL 32346-5102

Mortgage

Document Number	0000000380
Date	Dec 27, 2021
Instrument	1322/380

Lender

Name	PRIME MERIDIAN BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Tax Assessment & Valuation

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	$3,487.00 (+3.56%)	$367,395 (-0.94%) Land $90,000 Building $277,395	$367,395 (-0.94%) Land $90,000 Building $277,395
2024	$3,367.00 (+10.79%)	$370,884 (+22.75%) Land $90,000 Building $280,884	$370,884 (+22.75%) Land $90,000 Building $280,884
2023	$3,039.00 (+1.95%)	$302,158 (+4.73%) Land $90,000 Building $212,158	$302,158 (+4.73%) Land $90,000 Building $212,158
2022	$2,981.00	$288,502 Land $90,000 Building $198,502	$288,502 Land $90,000 Building $198,502

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

Flood

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 Record 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

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

Wildfire Risk	Moderate above 48% of the US · lower than 81% of Florida
Wildfire Likelihood	0.08% 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	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 37 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Fidium Fiber DSL · Fiber in parts of the area	50 / 10