2128 Hwy 98 E, Carrabelle, FL 32322 Property Records

Franklin County property record for 2128 Hwy 98 E, Carrabelle, FL 32322

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,166 sqft · built 1997
Lot Size	0.232 acres (10,149 sqft)
Owner	Individual Name on File
Last Sale	$550,000 (Jun 2022)
Tax Bill	$3,621 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage
Flood Zone	Zone VE (high risk)
APN	`14-07S-04W-3131-000Z-0140`

Property Details

APN / Parcel Number

Primary APN	`14-07S-04W-3131-000Z-0140`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,166 sqft Heated Area
Gross Area	1,530 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2015
Exterior Material	Aluminum/Vinyl
Roof Type	Rigid Frame Bar Joist
Roof Material	Metal
Lot Area	10,149 sqft
Porch	Open Porch
Porch Area	428 sqft
Deck Area	148 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	2128 HIGHWAY 98 E
City	CARRABELLE
State	FL
Zip	32322-2214
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	UNIT 1 BL Z LOT 14 LANARK BEACH OR 116/445-48 OR 148/77 204/190 214/348 OR 265/9 267/154 322/60 OR 503/229 1340/222
Legal Range	04W
Legal Township	07S
Legal Section	14
Legal Block	Z
Legal Lot Number	14
Legal Unit	1
Jurisdiction	FRANKLIN FL
Township / Civil Division	CARRABELLE
Census Block Group	1
Census Block	1033
Census Tract	970102

Owner

Source: Franklin County records · APN 14-07S-04W-3131-000Z-0140

Assessment roll updated July 1, 2025 · Last verified January 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 File
Co-owner	Verified Secondary Owner
Mailing Address	10443 GULF BEACH HWY APT 4, 4, PENSACOLA, FL 32507-9103
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 27, 2022 · Amount on Record
Deed Sale	Jun 27, 2022 · Amount on Record
Deed Document Number	202219003897
Deed Book / Page	1340 / 222
Record Updated	Jun 08, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN FL
Recording Date	Jun 27, 2022
Property Address	2128 HIGHWAY 98 E, CARRABELLE, FL 32322-2214
Document Number	0019003897
Book / Page	1340 / 222
Map Reference	MB 2 PG 13
Instrument Date	Jun 17, 2022
Instrument	202219003897
Transaction Type	Transfer
Record Updated	Jan 06, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,850.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4118 QUAIL HOLLOW RD, ALBANY, GA 31721-2838

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10443 GULF BEACH HWY APT 4, 4, PENSACOLA, FL 32507-9103

Mortgage

Document Number	0000000224
Date	Jun 27, 2022
Instrument	1340/224

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2052

Tax Assessment & Valuation

Source: Franklin County records · Assessment roll updated July 1, 2025 · Last verified January 2026

Property Jurisdictions

Type	Name
State	Florida
County	Franklin County
Unified School District	Franklin County School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,621.00 (-1.9%)	$385,791 (-0.75%) Land $172,500 Building $213,291	$385,791 (-0.75%) Land $172,500 Building $213,291
2024	$3,691.00 (-0.38%)	$388,698 (+3.64%) Land $172,500 Building $216,198	$388,698 (+3.64%) Land $172,500 Building $216,198
2023	$3,705.00 (+115.66%)	$375,059 (+120.69%) Land $172,500 Building $202,559	$375,059 (+120.69%) Land $172,500 Building $202,559
2022	$1,718.00	$169,949 Land $40,000 Building $129,949	$169,949 Land $40,000 Building $129,949

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Franklin County (12037C), as of April 23, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120379701021, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone VE high risk · coastal, wave action
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	21.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 47 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	47 in force
Nearby Flood Claims	6 (2005–2018)
Most Recent Claim	Oct 2018 · Hurricane Michael
Claims by Event	Hurricane Michael, Oct 2018 · 5 claims

Wildfire

Wildfire Risk	High above 80% of the US · above 70% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Mediacom Communications Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

Based on FCC filings for 116 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

Drinking Water

Source: EPA Safe Drinking Water Information System, water system FL1190414, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	LANARK VILLAGE (CITY OF CARRABELLE) public/private · serves 1,815 people
Water Source	Groundwater
Last State Inspection	Mar 2025
Also Mapped Here	CITY OF CARRABELLE WATER SYSTEM
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	None last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ. The full violation and enforcement history is in the system's EPA record.