2398 Tram Rd, Ponce De Leon, FL 32455 Property Records

Holmes County property record for 2398 Tram Rd, Ponce De Leon, FL 32455

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,152 sqft · built 2022
Lot Size	4.68 acres (203,860 sqft)
Owner	Individual Name on Record
Last Sale	$6,000 (Sep 2015)
Tax Bill	$1,558 (2025)
Deeds & Mortgages	Feb 2023 Mortgage Jun 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`1803.00-000-000-004.000`

Property Details

APN / Parcel Number

Primary APN	`1803.00-000-000-004.000`

Interior

Full Baths	2 Baths
Building Area	1,152 sqft Living Area
Gross Area	1,728 sqft
Flooring	Tile

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Metal
Construction Type	Metal Frame
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	203,860 sqft (4.68 acres)
Utility Building	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	2398 TRAM RD
City	PONCE DE LEON
State	FL
Zip	32455
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THE FOLLOWING DESCRIBED PARCEL LYING WEST OF COUNTY GRADED ROAD; THE SOUTH HALF OF THE NORTHWEST QUARTER OF THE SOUTHEAST QUARTER OF SECTION 3, TOWNSHIP 4 NORTH, RANGE 17 WEST HOLMES COUNTY, FLORIDA. MORE PARTICULARLY DESCRIBED AS COMMENCING AT THE S
Legal Range	17W
Legal Township	04S
Legal Section	03
Legal Subdivision	0-00
Jurisdiction	HOLMES FL
Township / Civil Division	WEST HOLMES
Census Block Group	3
Census Block	3036
Census Tract	960201

Owner

Source: Holmes County records, as of June 2, 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 Record
Mailing Address	2137 BENTON LN, WESTVILLE, FL 32464-8031
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 1, 2023	Deed of Trust, Mortgage · Commercial Mortgage CCB COMMUNITY BANK
Jun 25, 2020	Warranty Deed, Transfer PANHANDLE LAND TITLE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 16, 2015 · Amount on Record
Deed Sale	Sep 16, 2015 · Amount on Record
Deed Document Number	20153830
Deed Book / Page	536 / 400
Record Updated	Sep 20, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOLMES FL
Property Address	2398 TRAM RD, PONCE DE LEON, FL 32455
Transaction Type	Mortgage
Record Updated	Jan 22, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2137 BENTON LN, WESTVILLE, FL 32464-8031

Mortgage

Document Number	0006540867
Date	Feb 1, 2023
Book Page	654/867
Instrument	202330000485

Lender

Name	CCB COMMUNITY BANK
Type	Bank
Address	ANDALUSIA, AL 36420

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HOLMES FL
Recording Date	Jun 25, 2020
Property Address	2398 TRAM RD, PONCE DE LEON, FL 32455
Document Number	0006050988
Book / Page	000605 / 000988
Instrument Date	Jun 25, 2020
Instrument	2371
Transaction Type	Transfer
Record Updated	Jul 10, 2020
Title Company	PANHANDLE LAND TITLE LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2137 BENTON LN WESTVILLE FL 324648031, WESTVILLE, FL 32464-8031

Tax Assessment & Valuation

Source: Holmes County assessment roll, as of December 2, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,558.00 (+4.77%) Homeowner's exemption	$148,114 (+2.9%)	$182,446 (+18.68%) Land $24,336 Building $158,110
2024	$1,487.00 (+2.41%) Homeowner's exemption	$143,940 (+3%)	$153,734 (+10.01%) Land $22,932 Building $130,802
2023	$1,452.00 (+400.69%) Homeowner's exemption	$139,748 (+621.8%) Land $15,912 Building $123,836	$139,748 (+621.8%) Land $15,912 Building $123,836
2022	$290.00	$19,361 Land $15,912 Building $3,449	$19,361 Land $15,912 Building $3,449

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

Flood

Source: FEMA National Flood Hazard Layer, effective June 26, 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	2 (2009)
Most Recent Claim	Mar 2009 · Severe Storms, Flooding, Tornadoes, And Straight-line Winds
Claims by Event	Severe Storms, Flooding, Tornadoes, And Straight-line Winds, Mar 2009 · 2 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

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

Wildfire Risk	Moderate above 50% of the US · lower than 79% of Florida
Wildfire Likelihood	0.09% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Tram Rd

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