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203 Harbor Cir, Alligator Point (Panacea), FL 32346 Property Records

Franklin County property record for 203 Harbor Cir, Alligator Point, FL 32346 · Last verified June 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,200 sqft · built 1992
Lot Size0.268 acres (11,674 sqft)
Owner2 Individual Names on File
Last Sale$145,000 (Jan 2000)
Tax Bill$2,402 (2025)
Deeds & MortgagesJul 2026 Sale
May 2022 Sale & Mortgage
Flood ZoneZone VE (high risk)
APN06-07S-01W-0000-0051-0000

Property Details

APN / Parcel Number

Primary APN06-07S-01W-0000-0051-0000
Alternative APN
  • 01W07S06000000510000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,200 sqft Living Area
Gross Area1,500 sqft
1st Floor Area1,200 sqft
Utility Area100 sqft
FlooringWood
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1992
Effective Year BuiltEffective 1992
Architectural StyleBungalow
Exterior MaterialConcrete
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area11,674 sqft (0.268 acres)
Lot Dimensions150 ft deep x 78 ft wide
View / LotBay Front

Exterior Amenities

PorchFinished Screened Porch
Porch Area300 sqft
Deck Area88 sqft
Boat AccessBoat Access
Boat LiftBoat Lift

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address203 HARBOR CIR
CityPANACEA
StateFL
Zip32346-5133
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description68 FT X 150 FT X 76 FT X 150 FT OR/91/316 OR/132/85 TAX CERT 56 1977 A K A TRACT 4 AS PER PLAT RECORDED OR/92/470 ORB 0132 PAGE 0085 OR/632/285 1333/292 1335/762
Legal Range01W
Legal Township07S
Legal Section06
Legal Tract4
JurisdictionFRANKLIN FL
Township / Civil DivisionCARRABELLE
Census Block Group2
Census Block2003
Census Tract970102

Owner

Source: Franklin County records · APN 06-07S-01W-0000-0051-0000

Assessment roll updated November 26, 2025 · Last verified June 2026

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

Owner of Record2 Individual Names on File
Mailing Address203 HARBOR CIR, PANACEA, FL 32346-5133
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 15, 2026Warranty Deed, Transfer
HAYWARD TITLE GROUP
May 16, 2022Deed, Transfer · Stand-Alone First Mortgage
AMERIS BANK

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJan 18, 2000 · Amount on Record
Deed SaleJan 18, 2000 · Amount on Record
Deed Book / Page632 / 285
Record UpdatedSep 20, 2026

July 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionFRANKLIN FL
Recording DateJul 15, 2026
Property Address203 HARBOR CIR, PANACEA, FL 32346-5133
Document Number0000003193
Book / Page1449 / 356
Instrument DateJul 14, 2026
Instrument20263193
Transaction TypeTransfer
Record UpdatedAug 07, 2026
Title CompanyHAYWARD TITLE GROUP

Transaction

AmountAmount Recorded
Tax$519,645.00
Amount AccuracyCalculated from Transfer Tax
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address104 BRIDLEWOOD CT, THOMASVILLE, GA 31792-1669

May 2022: Deed, Transfer

Document TypeDeed
JurisdictionFRANKLIN FL
Recording DateMay 16, 2022
Property Address203 HARBOR CIR, ALLIGATOR POINT, FL 32346-5133
Document Number0019002988
Book / Page1335 / 762
Instrument DateMay 11, 2022
Instrument202219002988
Transaction TypeTransfer
Record UpdatedFeb 03, 2023
Title CompanyWAKULLA TITLE COMPANY INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$3,675.00
Amount AccuracyRounded by County
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name
Address730 S CHURCH ST, BROOKHAVEN, MS 39601-3812

Transferred To (Grantee/Buyer)

NameVerified Name
Address203 HARBOR CIR, ALLIGATOR POINT, FL 32346-5133

Mortgage

Document Number0000000764
DateMay 16, 2022
Instrument1335/764
Lender
NameAMERIS BANK
TypeBank
Agreement
TypeStand-Alone First Mortgage
AmountAmount Recorded

Tax Assessment & Valuation

Source: Franklin County records · Assessment roll updated November 26, 2025 · Last verified June 2026

Property Jurisdictions

TypeName
StateFlorida
CountyFranklin County
Unified School DistrictFranklin County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$2,402.00 (+1.18%) Homeowner's exemption$260,389 (+2.9%)$403,237 (-0.58%) Land $187,200 Building $216,037
2024$2,374.00 (-0.75%) Homeowner's exemption$253,051 (+3%)$405,593 (+14.76%) Land $187,200 Building $218,393
2023$2,392.00 (+64.06%) Homeowner's exemption$245,681 (+54.8%)$353,431 (+2.9%) Land $187,200 Building $166,231
2022$1,458.00 Homeowner's exemption$158,713$343,469 Land $187,200 Building $156,269

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Franklin County (12037C), updated April 23, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone VE
coastal, wave action
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
Special Flood Hazard AreaYes
Flood Insurance RequirementRequired (federally backed mortgages)
FloodwayNo
Base Flood Elevation17.0 ft
CoastalYes

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

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