2315 Oak St, Carrabelle, FL 32322 Property Records

Franklin County property record for 2315 Oak St, Carrabelle, FL 32322

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,080 sqft · built 1978
Lot Size	0.172 acres (7,503 sqft)
Owner	2 Company Names on File
Last Sale	$235,000 (Apr 2026)
Tax Bill	$573 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Apr 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`14-07S-04W-3131-000A-0840`

Property Details

APN / Parcel Number

Primary APN	`14-07S-04W-3131-000A-0840`
Alternative APN	`04W07S143131000A0840`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,080 sqft Living Area
1st Floor Area	1,080 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Bungalow
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,503 sqft (0.172 acres)
Garage Type	Carport
Carport	Carport
Porch	Slab
Porch Area	104 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2315 OAK ST
City	CARRABELLE
State	FL
Zip	32322-9034
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	UNIT 1 BLOCK A LOT 84 LANARK BCH OR 148/537 194/542 215/498 267/51 281/186 538/137 690/135 1269/125 1315/169
Legal Range	04W
Legal Township	07S
Legal Section	14
Legal Subdivision	LANARK BCH
Legal Block	A
Legal Lot Number	84
Legal Unit	1
Jurisdiction	FRANKLIN FL
Township / Civil Division	CARRABELLE
Census Block Group	1
Census Block	1000
Census Tract	970102

Owner

2315 Oak St is owned by a company that bought it in April 2026.

Source: Franklin County records, as of October 13, 2026

Owner of Record	2 Company Names on File
Mailing Address	2315 OAK ST, CARRABELLE, FL 32322-9034
Owner Type	Company
Vesting	Joint Tenants

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

Date	Document
Apr 30, 2026	Warranty Deed, Transfer · Conventional Mortgage UNIVERSITY BANK
Apr 30, 2026	Warranty Deed, Transfer · Conventional Mortgage UNIVERSITY BANK
Sep 29, 2021	Warranty Deed, Transfer · Conventional Mortgage CENTENNIAL BANK
Jun 30, 2020	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 2026 · Amount on File
Deed Sale	Apr 30, 2026 · Amount on File
Prior Sale	Jun 30, 2020 · Amount on File
Deed Document Number	20261968
Deed Book / Page	1443 / 696
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN FL
Recording Date	Apr 30, 2026
Property Address	2315 OAK ST, CARRABELLE, FL 32322-9034
Document Number	0000001968
Book / Page	1443 / 696
Instrument Date	Apr 21, 2026
Instrument	2026.1968
Transaction Type	Transfer
Record Updated	May 19, 2026
Title Company	LOWLAND TITLE, LOWE LEGAL & TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$166,145.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2315 OAK ST, CARRABELLE, FL 32322-9034

Mortgage

Document Number	0000001969,
Date	Apr 30, 2026
Book Page	1443/698
Instrument	2026.1969

Lender

Name	UNIVERSITY BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN FL
Recording Date	Apr 30, 2026
Property Address	2315 OAK ST, CARRABELLE, FL 32322-9034
Document Number	0019001968
Book / Page	1443 / 696
Instrument Date	Apr 21, 2026
Instrument	20261968
Transaction Type	Transfer
Record Updated	Jul 6, 2026
Title Company	LEGAL TITLE, LOWE LEGAL & TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$166,145.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2315 OAK ST, CARRABELLE, FL 32322-9034

Mortgage

Document Number	0000001969,
Date	Apr 30, 2026
Book Page	1443/698
Instrument	20261969

Lender

Name	UNIVERSITY BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN FL
Recording Date	Sep 29, 2021
Property Address	2315 OAK ST, CARRABELLE, FL 32322-9034
Document Number	0019006143
Book / Page	1315 / 169
Map Reference	MB 2 PG 13
Instrument Date	Sep 21, 2021
Instrument	202119006143
Transaction Type	Transfer
Record Updated	Jan 6, 2026
Title Company	DODD TITLE COMPANY INC

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	100 FRANKLIN ST, CARRABELLE, FL 32322-3519

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2315 OAK ST, CARRABELLE, FL 32322-9034

Mortgage

Document Number	0000000170
Date	Sep 29, 2021
Instrument	1315/170

Lender

Name	CENTENNIAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN FL
Recording Date	Jun 30, 2020
Property Address	2315 OAK ST, CARRABELLE, FL 32322-9034
Document Number	0019002795
Book / Page	001269 / 000125
Instrument Date	Jun 30, 2020
Instrument	19002795
Transaction Type	Transfer
Record Updated	Aug 20, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$700.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	110 FRANKLIN ST CARRABELLE FL 323223519, CARRABELLE, FL 32322-3519

Tax Assessment & Valuation

The 2025 property tax bill for 2315 Oak St was $573, up 3.2% from the year before.

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	$573.00 (+3.24%)	$95,619 (+2.9%)	$128,698 (-2.86%) Land $21,000 Building $107,698
2024	$555.00 (+1.28%) Homeowner's exemption	$92,924 (+3%)	$132,490 (+20.22%) Land $24,000 Building $108,490
2023	$548.00 (+1.86%) Homeowner's exemption	$90,217 (+3%)	$110,209 (+25.83%) Land $24,000 Building $86,209
2022	$538.00 Homeowner's exemption	$87,589 Land $24,000 Building $63,589	$87,589 Land $24,000 Building $63,589

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

Flood

FEMA maps place 2315 Oak St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
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 2315 Oak St is moderate, ranking above 66% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 66% of the US · above 43% of Florida
Wildfire Likelihood	0.2% 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 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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