Franklin County property record for 2003 Bluff Rd, Apalachicola, FL 32320
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,074 sqft · built 1993 |
| Lot Size | 11.8 acres (514,008 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,576 (2025) |
| Flood Zone | Zone X (moderate risk) |
| APN | 10-09S-08W-0380-0000-0012 |
| Primary APN | 10-09S-08W-0380-0000-0012 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,074 sqft Heated Area |
| Gross Area | 3,684 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1993 |
|---|---|
| Exterior Material | Brick |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 514,008 sqft (11.8 acres) |
| Garage Area | 506 sqft |
| Driveway | Driveway |
| Driveway Area | 1,520 sqft |
| Porch | Open Porch |
| Porch Area | 1,104 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 2003 BLUFF RD |
|---|---|
| City | APALACHICOLA |
| State | FL |
| Zip | 32320-1039 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 9.75 AC BEING PART OF TRACTS 1-2-3 AND A OF SOUTHLAND SUB OR/280/122 ALSO A PARCEL BEING 100' X 333'X 348.92' X 123' X 248.89 |
| Legal Range | 08W |
| Legal Township | 09S |
| Legal Section | 10 |
| Legal Subdivision | SOUTHLAND SUB |
| Legal Tract | 1-2 |
| Jurisdiction | FRANKLIN FL |
| Township / Civil Division | APALACHICOLA |
| Census Block Group | 1 |
| Census Block | 1039 |
| Census Tract | 970302 |
Source: Franklin County records, as of January 5, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 2003 BLUFF RD, APALACHICOLA, FL 32320-1039 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
Source: Franklin County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Franklin County |
| Unified School District | Franklin County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,576.00 (+2.27%) Homeowner's exemption | $203,979 (+2.9%) | $729,133 (-0.21%) Land $472,000 Building $257,133 |
| 2024 | $1,541.00 (-0.19%) Homeowner's exemption | $198,230 (+3%) | $730,676 (+6.57%) Land $472,000 Building $258,676 |
| 2023 | $1,544.00 (+0.85%) Homeowner's exemption | $192,456 (+3%) | $685,662 (+28.45%) Land $472,000 Building $213,662 |
| 2022 | $1,531.00 Homeowner's exemption | $186,850 | $533,797 Land $354,000 Building $179,797 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective April 23, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 60 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 60 in force |
| Nearby Flood Claims | 83 (1985–2019) |
| Claims Outside the SFHA | 3 of 83 |
| Most Recent Claim | Oct 2019 · other causes |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 85% of the US · above 77% of Florida |
|---|---|
| Wildfire Likelihood | 0.8% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF APALACHICOLA serves 5,235 people · EPA ID FL1190150 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2025 |
| Lead | 3 ppb (2023) action level 15 ppb |
Listed by EPA as a serious violator for missed monitoring and reporting.
| Water Quality | Total trihalomethanes not recorded as resolved · Apr 2022 |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 34 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 |
| Starlink Satellite | 280 / 30 |
5G and 4G LTE (outdoors only)
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