2088 Messer Rd, Carrabelle, FL 32322 Property Records

Franklin County property record for 2088 Messer Rd, Carrabelle, FL 32322

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,120 sqft · built 2018
Lot Size	1.04 acres (45,302 sqft)
Owner	Individual Name on Record
Last Sale	$90,000 (Sep 2025)
Tax Bill	$343 (2025)
Deeds & Mortgages	Sep 2025 Sale Sep 2025 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`25-07S-05W-1003-0000-0680`

Property Details

APN / Parcel Number

Primary APN	`25-07S-05W-1003-0000-0680`
Alternative APN	`05W07S25100300000680`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,120 sqft Living Area
1st Floor Area	1,120 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Cape Cod
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	45,302 sqft (1.04 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2088 MESSER RD
City	CARRABELLE
State	FL
Zip	32322-3083
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	UNIT 3 LOT 68 LIGHTHOUSE RIDGE CONTAINING 1.04 AC M/L OR/331/92 357/135 373/38 689/493 1167/442 1230/717 1297/740 1404/390 DEATH CERT MATTHEW B STEPHENSON 1427/726 1427/729 1427/731
Legal Range	05W
Legal Township	07S
Legal Section	25
Legal Subdivision	LIGHTHOUSE RIDGE
Legal Lot Number	68
Legal Unit	3
Jurisdiction	FRANKLIN FL
Township / Civil Division	EASTPOINT
Census Block Group	1
Census Block	1241
Census Tract	970200

Owner

Source: Franklin County records, as of October 21, 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	2088 MESSER RD, CARRABELLE, FL 32322-3083
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Man, Separate Property

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2025	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Sep 22, 2025	Warranty Deed, Transfer · VA Mortgage CARDINAL FINANCIAL COMPANY LP
Sep 22, 2025	Personal Representative Deed, Transfer ATTORNEY ONLY, ATTORNEY
Apr 20, 2021	Intrafamily Transfer, Transfer · FHA Mortgage AMERICAN FINANCIAL RESOURCES INC
Feb 21, 2019	Loan Modification, Mortgage · Conventional Mortgage AMERICAN FIN'L RSRCS
Nov 14, 2018	Warranty Deed, Transfer · FHA Mortgage AMERICAN FINANCIAL RESOURCES INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 22, 2025 · Amount on Record
Deed Sale	Sep 22, 2025 · Amount on Record
Prior Sale	Sep 22, 2025 · Amount on Record
Deed Document Number	20254426
Deed Book / Page	1427 / 729
Prior Transfer Date	Dec 21, 2020
Prior Transfer Doc	0019002419
Record Updated	Oct 29, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN FL
Recording Date	Sep 22, 2025
Property Address	2088 MESSER RD, CARRABELLE, FL 32322-3083
Document Number	0019004427
Book / Page	1427 / 731
Instrument Date	Sep 19, 2025
Instrument	202519004427
Transaction Type	Transfer
Record Updated	Oct 23, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	985 GA HIGHWAY 125 S, TIFTON, GA 31794-9076

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2088 MESSER RD, CARRABELLE, FL 32322-3083

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN FL
Recording Date	Sep 22, 2025
Property Address	2088 MESSER RD, CARRABELLE, FL 32322-3083
Document Number	0019004426
Book / Page	1427 / 729
Instrument Date	Sep 19, 2025
Instrument	202519004426
Transaction Type	Transfer
Record Updated	Oct 23, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$630.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	77355 PINE GROVE ROAD, AMANDA, OH 43102

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2088 MESSER RD, CARRABELLE, FL 32322-3083

Mortgage

Document Number	0000000733
Date	Sep 22, 2025
Instrument	1427/733

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

September 2025: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	FRANKLIN FL
Recording Date	Sep 22, 2025
Property Address	2088 MESSER RD, CARRABELLE, FL 32322-3083
Document Number	0019004425
Book / Page	1427 / 726
Instrument Date	Sep 17, 2025
Instrument	202519004425
Transaction Type	Transfer
Record Updated	Oct 23, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$630.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7735 PINE GROVE RD SW, AMANDA, OH 43102-9328

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2088 MESSER RD, CARRABELLE, FL 32322-3083

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FRANKLIN FL
Recording Date	Apr 20, 2021
Property Address	2088 MESSER RD, CARRABELLE, FL 32322-3083
Document Number	0019002419
Book / Page	1297 / 740
Instrument Date	Nov 21, 2020
Instrument	202119002419
Transaction Type	Transfer
Record Updated	May 26, 2021

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	2088 MESSER RD, CARRABELLE, FL 32322-3083

Mortgage

Document Number	0000000744
Date	Apr 20, 2021
Instrument	1297/744

Lender

Name	AMERICAN FINANCIAL RESOURCES INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Jan 1, 2051

February 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	FRANKLIN FL
Property Address	2088 MESSER RD, CARRABELLE, FL 32322-3083
Document Number	0019000963
Instrument Date	Feb 21, 2019
Transaction Type	Mortgage
Record Updated	Mar 29, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2088 MESSER RD CARRABELLE FL 32322, CARRABELLE, FL 32322

Mortgage

Document Number	0019000963
Date	Mar 7, 2019
Book Page	001236/000755
Instrument	19000963

Lender

Name	AMERICAN FIN'L RSRCS
Type	Funding / Finance Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 6, 2049

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN FL
Recording Date	Nov 14, 2018
Property Address	2088 MESSER RD, CARRABELLE, FL 32322-3083
Document Number	0019005322
Book / Page	1230 / 717
Instrument Date	Oct 30, 2018
Instrument	201819005322
Transaction Type	Transfer
Record Updated	Jan 25, 2022
Title Company	HAYWARD TITLE GROUP

Transaction

Amount	Amount Recorded
Tax	$105.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 645, CARRABELLE, FL 32322-0645

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2088 MESSER RD, CARRABELLE, FL 32322-3083

Mortgage

Document Number	0019005323
Date	Nov 14, 2018
Instrument	201819005323

Lender

Name	AMERICAN FINANCIAL RESOURCES INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2048

Tax Assessment & Valuation

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	$343.00 (+1.78%)	$64,787 (+2.9%)	$115,752 (+3.02%) Land $41,600 Building $74,152
2024	$337.00 (-0.88%) Homeowner's exemption	$62,961 (+3%)	$112,360 (+39.57%) Land $36,400 Building $75,960
2023	$340.00 (-0.58%) Homeowner's exemption	$61,127 (+3%)	$80,507 (+20.47%) Land $27,040 Building $53,467
2022	$342.00 Homeowner's exemption	$59,347	$66,828 Land $27,040 Building $39,788

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 X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 133 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	171 units insured incl. 38 condo units
Nearby Flood Claims	359 (1979–2024)
Claims Outside the SFHA	6 of 359
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Dennis, Jul 2005 · 79 claims Hurricane Kate, Nov 1985 · 84 claims Hurricane Elena, Sep 1985 · 72 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	High above 79% of the US · above 68% of Florida
Wildfire Likelihood	0.4% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	CITY OF CARRABELLE WATER SYSTEM serves 3,690 people · EPA ID FL1190118
Water Source	Groundwater
Last State Inspection	Mar 2025
Lead	2 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	2 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 24 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

May also be available: Fidium Fiber.

Cell Coverage

5G (outdoors only) and 4G LTE

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