Franklin County property record for 220 Harbor Cir, Alligator Point, FL 32346 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2007 |
| Square Footage | 2,432 sqft Living Area |
| Lot Size | 17,293 sqft (0.397 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $300,000 (2018) |
| Tax Bill | $5,215.00 (2025) |
| Primary APN | 06-07S-01W-1013-0000-0320 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,432 sqft Living Area |
| 1st Floor | 2,432 sqft 1st Floor |
| Primary Flooring | Ceramic Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Elevator | Elevator |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Architectural Style | Bungalow Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Construction Type | Wood Construction |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 17,293 sqft (0.397 acres) |
| Depth X Width | 231 ft x 75 ft Depth x Width |
| Deck Area | 64 sqft Deck |
| Porch Area | 2,336 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Street Address | 220 HARBOR CIR |
|---|---|
| City | ALLIGATOR POINT |
| State | FL |
| Zip | 32346-5132 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | UNIT 3 LOT 32 ALLIGATOR HARBOR OR 203/579 OR 213/430 ORB 203 PAGE 579 643/667 697/229 798/650 1219/312 1415/646 |
| Legal Range | 01W |
| Legal Township | 07S |
| Legal Section | 06 |
| Legal Subdivision | ALLIGATOR HARBOR |
| Legal Lot Number | 32 |
| Legal Unit | 3 |
| Jurisdiction | FRANKLIN FL |
| Minor Civil Division | CARRABELLE |
| Census Blockgroup | 2 |
| Census Block | 2006 |
| Census Tract | 970102 |
Source: Franklin County records · APN 06-07S-01W-1013-0000-0320
Assessment roll updated November 26, 2025 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 220 HARBOR CIR, ALLIGATOR POINT, FL 32346-5132 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Sep 29, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| May 22, 2020 | Deed of Trust, Mortgage · Conventional Mortgage BNC NATIONAL BANK |
| May 23, 2018 | Warranty Deed, Transfer · Conventional Mortgage with Private Mortgage Insurance (PMI) BANK OF AMERICA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 23, 2018 · Amount on Record |
| Deed Sale | May 23, 2018 · Amount on Record |
| Prior Sale | Jul 02, 2004 · Amount on Record |
| Deed Doc Number | 20182495 |
| Deed Book / Page | 1219 / 312 |
| Last Transfer Date | Apr 16, 2025 |
| Transfer Doc | 0019001774 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN FL |
| Property Address | 220 HARBOR CIR, ALLIGATOR POINT, FL 32346-5132 |
| Transaction Type | Mortgage |
| Record Updated | Jan 25, 2022 |
| Title Company | MAJESTY TITLE SERVICES |
| Name | Verified Name |
|---|---|
| Address | 220 HARBOR CIR, ALLIGATOR POINT, FL 32346-5132 |
| Document Number | 0019006149 |
|---|---|
| Date | Sep 29, 2021 |
| Book Page | 1315/185 |
| Instrument | 202119006149 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Oct 01, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN FL |
| Property Address | 220 HARBOR CIR, ALLIGATOR POINT, FL 32346-5132 |
| Transaction Type | Mortgage |
| Record Updated | Jan 25, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0019002069 |
|---|---|
| Date | May 22, 2020 |
| Book Page | 1265/673 |
| Instrument | 202019002069 |
| Name | BNC NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | GLENDALE, AZ 85308 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jun 01, 2040 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FRANKLIN FL |
| Recording Date | May 23, 2018 |
| Property Address | 220 HARBOR CIR, ALLIGATOR POINT, FL 32346-5132 |
| Document Number | 0019002195 |
| Book / Page | 001219 / 000312 |
| Instrument Date | Mar 22, 2018 |
| Instrument | 19002195 |
| Transaction Type | Transfer |
| Record Updated | Jun 14, 2018 |
| Title Company | WAKULLA TITLE COMPANY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,100.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 220 HARBOR CIR PANACEA FL 32346, PANACEA, FL 32346 |
| Document Number | 19002496 |
|---|---|
| Date | May 23, 2018 |
| Book Page | 001219/000313 |
| Instrument | 19002496 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage with Private Mortgage Insurance (PMI) |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 22, 2048 |
Source: Franklin County records · Assessment roll updated November 26, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Franklin County |
| Unified School District | Franklin County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,215.00 (+0.23%) | $515,809 (-7.23%) Land $86,625 Building $429,184 | $515,809 (-7.23%) Land $86,625 Building $429,184 |
| 2024 | $5,203.00 (+12.16%) | $556,026 (+27.9%) Land $121,275 Building $434,751 | $556,026 (+27.9%) Land $121,275 Building $434,751 |
| 2023 | $4,639.00 (+4.6%) | $434,746 (+4.71%) Land $103,950 Building $330,796 | $434,746 (+4.71%) Land $103,950 Building $330,796 |
| 2022 | $4,435.00 | $415,180 Land $103,950 Building $311,230 | $415,180 Land $103,950 Building $311,230 |
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
| FEMA Flood Zone | Zone VE coastal, wave action |
|---|---|
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Special Flood Hazard Area | Yes |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Floodway | No |
| Base Flood Elevation | 17.0 ft |
| Coastal | Yes |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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