229 River Rd, Carrabelle, FL 32322 Property Records

Franklin County property record for 229 River Rd, Carrabelle, FL 32322 · Last verified January 2026

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,712 sqft · built 1982
Lot Size	0.71 acres (30,971 sqft)
Owner	2 Individual Names on File
Last Sale	$124,500 (Mar 2014)
Tax Bill	$1,414 (2025)
Deeds & Mortgages	Sep 2018 Mortgage
Flood Zone	Zone AE (high risk)
APN	`19-07S-04W-0000-0010-0000`

Property Details

APN / Parcel Number

Primary APN	`19-07S-04W-0000-0010-0000`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,712 sqft Heated Area
Gross Area	1,824 sqft
Interior Walls	Plywood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Exterior Material	Stone
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	30,971 sqft (0.71 acres)
Lot Dimensions	250 ft deep x 124 ft wide
Porch	Open Porch
Porch Area	112 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	229 RIVER RD
City	CARRABELLE
State	FL
Zip	32322-5020
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PARCELS IN SEC 19-07S-04W OR176/60 OR/182/296 KNOWN AS TRACTS 1 & 2 OR/884/277 OR/884/279 OR/885/43 OR/885/62 901/500 901/503
Legal Range	04W
Legal Township	07S
Legal Section	19
Legal Tract	1,2
Jurisdiction	FRANKLIN FL
Township / Civil Division	EASTPOINT
Census Block Group	1
Census Block	1202
Census Tract	970200

Owner

Source: Franklin County records · APN 19-07S-04W-0000-0010-0000

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	2 Individual Names on File
Mailing Address	229 RIVER RD, CARRABELLE, FL 32322-5020
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 20, 2014 · Amount on Record
Deed Sale	Mar 20, 2014 · Amount on Record
Prior Sale	Jun 17, 2013
Deed Document Number	201419001570
Deed Book / Page	1116 / 240
Record Updated	Jun 08, 2026

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN FL
Property Address	229 RIVER RD, CARRABELLE, FL 32322-5020
Document Number	0019004538
Instrument Date	Sep 06, 2018
Transaction Type	Mortgage
Record Updated	Oct 09, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	229 RIVER RD CARRABELLE FL 323225020, CARRABELLE, FL 32322-5020

Mortgage

Document Number	0019004538
Date	Sep 12, 2018
Book Page	001227/000625
Instrument	19004538

Lender

Name	BANK OF ENGLAND
Type	Bank
Address	LITTLE ROCK, AR 72201

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 11, 2048

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 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	$1,414.00 (+2.32%) Homeowner's exemption	$186,494 (+2.9%)	$312,475 (-0.45%) Land $155,000 Building $157,475
2024	$1,382.00 (-0.07%) Homeowner's exemption	$181,238 (+3%)	$313,895 (+10.78%) Land $155,000 Building $158,895
2023	$1,383.00 (+0.88%) Homeowner's exemption	$175,959 (+3%)	$283,362 (+12.35%) Land $155,000 Building $128,362
2022	$1,371.00 Homeowner's exemption	$170,834	$252,220 Land $155,000 Building $97,220

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Franklin County (12037C), updated April 23, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120379702001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	13.0 ft
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 133 individual NFIP policies nearby
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	171 units insured (38 under condo master policies) 75 of 133 individual policies on primary residences
Nearby Flood Claims	359 (1979–2024)
Claims Outside the SFHA	6 of 359
Most Recent Claim	Oct 2024, rainfall accumulation, Hurricane Milton
Flood Events	Hurricane Dennis (Jul 2005), 79 claims Hurricane Kate (Nov 1985), 84 claims Hurricane Elena (Sep 1985), 72 claims

Wildfire

Wildfire Risk	Moderate above 66% of the US · above 43% of Florida
Wildfire Likelihood	About 1 in 420 per year
Exposure	Direct burnable vegetation at the parcel

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.