2290 Hwy 98 E, Carrabelle, FL 32322 Property Records

Franklin County property record for 2290 Hwy 98 E, Carrabelle, FL 32322

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,650 sqft · built 1999
Lot Size	0.118 acres (5,150 sqft)
Owner	Individual Name on File
Last Sale	$305,000 (Sep 2017)
Tax Bill	$3,158 (2025)
Deeds & Mortgages	Sep 2017 Sale & Mortgage
Flood Zone	Zone VE (high risk)
APN	`14-07S-04W-3131-000U-0140`

Property Details

APN / Parcel Number

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

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,650 sqft Heated Area
Gross Area	2,144 sqft
Utility Area	192 sqft
Utility Room	Utility Room
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,150 sqft (0.118 acres)
Lot Dimensions	103 ft deep x 50 ft wide
Porch	Open Porch
Porch Area	494 sqft
Deck Area	230 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	2290 HIGHWAY 98 E
City	CARRABELLE
State	FL
Zip	32322-2226
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	UNIT 1 BL U LOTS 14,& 15 OR/112/531&32 LANARK BEACH OR 294/22 OR 566/297 810/785 1202/394
Legal Range	04W
Legal Township	07S
Legal Section	14
Legal Subdivision	LANARK BEACH
Legal Block	U
Legal Lot Number	14 15
Legal Unit	1
Jurisdiction	FRANKLIN FL
Township / Civil Division	CARRABELLE
Census Block Group	1
Census Block	1033
Census Tract	970102

Owner

2290 Hwy 98 E is owned and occupied by an individual who bought it in September 2017.

Source: Franklin County records, as of January 5, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2290 HIGHWAY 98 E, CARRABELLE, FL 32322-2226
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 20, 2017 · Amount on File
Deed Sale	Sep 20, 2017 · Amount on File
Prior Sale	Sep 3, 2004 · Amount on File
Deed Document Number	201719004846
Deed Book / Page	1202 / 394
Record Updated	Jun 8, 2026

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN FL
Recording Date	Sep 20, 2017
Property Address	2290 HIGHWAY 98 E, CARRABELLE, FL 32322-2226
Document Number	0019004846
Book / Page	1202 / 394
Map Reference	MB2 PG13
Instrument Date	Sep 15, 2017
Instrument	201719004846
Transaction Type	Transfer
Record Updated	Jan 25, 2022
Title Company	TALLAHASSEE TITLE GROUP LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,135.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3722 BOBBIN MILL RD, 3722, TALLAHASSEE, FL 32312-1202

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5829 PEBBLE CREEK DR, ROCKLIN, CA 95765-4332

Mortgage

Document Number	0000000396
Date	Sep 20, 2017
Instrument	1202/396

Lender

Name	GMH MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 2290 Hwy 98 E was $3,158 with a homeowner's exemption, down 12% from the year before.

Source: Franklin County assessment roll, as of July 1, 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	$3,158.00 (-11.96%) Homeowner's exemption	$374,777 (-0.76%) Land $161,500 Building $213,277	$374,777 (-0.76%) Land $161,500 Building $213,277
2024	$3,587.00 (+3.1%)	$377,663 (+7.33%) Land $161,500 Building $216,163	$377,663 (+7.33%) Land $161,500 Building $216,163
2023	$3,479.00 (+6.75%)	$351,883 (+9.67%) Land $161,500 Building $190,383	$351,883 (+9.67%) Land $161,500 Building $190,383
2022	$3,259.00	$320,859 Land $142,500 Building $178,359	$320,859 Land $142,500 Building $178,359

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

Flood

FEMA maps place 2290 Hwy 98 E in Zone VE, a high-risk coastal flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective April 23, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone VE high risk · coastal, wave action
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	19.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File 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

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

Wildfire risk around 2290 Hwy 98 E is moderate, ranking above 59% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 59% of the US · lower than 67% of Florida
Wildfire Likelihood	0.1% 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	LANARK VILLAGE (CITY OF CARRABELLE) public/private · serves 1,815 people · EPA ID FL1190414
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, 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 254 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile.

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