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2523 Oak St, Carrabelle, FL 32322 Property Records

Franklin County property record for 2523 Oak St, Carrabelle, FL 32322

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,292 sqft
Lot Size2 acres (87,120 sqft)
OwnerIndividual Name on Record
Last Sale$28,000 (Apr 2020)
Tax Bill$2,441 (2025)
Deeds & MortgagesMay 2025 Line of Credit
Nov 2021 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN12-07S-04W-1002-0000-0140

Property Details

APN / Parcel Number

Primary APN12-07S-04W-1002-0000-0140

Interior

Bedrooms2 Beds
Full Baths2 Baths
Building Area1,292 sqft Heated Area
Gross Area2,126 sqft
Interior WallsWallboard/Drywall

Exterior

Exterior MaterialAluminum/Vinyl
Construction TypeFrame
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area87,120 sqft (2 acres)
Garage TypeCarport
CarportCarport
PorchOpen Porch

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address2523 OAK ST
CityCARRABELLE
StateFL
Zip32322-9052
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionVILLAGE GREEN BY SEA PHASE I PB 8/10 LOTS 14,15 805/433 1263/655
Legal Range04W
Legal Township07S
Legal Section12
Legal SubdivisionVILLAGE GREEN BY THE SEA-PH I
Legal Phase1
Legal Lot Number14 15
JurisdictionFRANKLIN FL
Township / Civil DivisionCARRABELLE
Census Block Group1
Census Block1000
Census Tract970102

Owner

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

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

Owner of RecordIndividual Name on Record
Mailing Address2523 OAK ST, CARRABELLE, FL 32322-9052
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 15, 2025Deed of Trust, Mortgage · Line of Credit
CENTENNIAL BANK
Nov 8, 2021Deed of Trust, Mortgage · Conventional Mortgage
DRUMMOND COMMUNITY BANK
Apr 29, 2020Warranty Deed, Transfer
TALLAHASSEE TITLE GROUP LLC, TALLAHASSEE TITLE GRP LLC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleApr 29, 2020 · Amount on Record
Deed SaleApr 29, 2020 · Amount on Record
Deed Document Number202019001723
Deed Book / Page1263 / 655
Record UpdatedJun 8, 2026

May 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionFRANKLIN FL
Property Address2523 OAK ST, CARRABELLE, FL 32322-9052
Transaction TypeMortgage
Record UpdatedJan 6, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address2523 OAK STREEY, CARRABELLE, FL 32322-9052

Mortgage

Document Number0019002216
DateMay 15, 2025
Book Page1417/597
Instrument202519002216
Lender
NameCENTENNIAL BANK
TypeBank
AddressAPALACHICOLA, FL 32329
Agreement
TypeLine of Credit
AmountAmount Recorded
Term240 Months
DueMay 7, 2045
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

November 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionFRANKLIN FL
Property Address2523 OAK ST, CARRABELLE, FL 32322-9052
Transaction TypeMortgage
Record UpdatedJan 6, 2026
Title CompanyHAYWARD TITLE GROUP

Transferred To (Grantee/Buyer)

NameVerified Name
Address45 CARLTON AVE 5, 5, LANARK VILLAGE, FL 32323

Mortgage

Document Number0019006905
DateNov 8, 2021
Book Page1318/349
Instrument202119006905
Lender
NameDRUMMOND COMMUNITY BANK
TypeBank
AddressCHIEFLAND, FL 32626
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term372 Months
DueNov 1, 2052

April 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionFRANKLIN FL
Recording DateApr 29, 2020
Property AddressCARRABELLE, FL 32322
Document Number0019001723
Book / Page001263 / 000655
Instrument DateApr 24, 2020
Instrument19001723
Transaction TypeTransfer
Record UpdatedJun 10, 2020
Title CompanyTALLAHASSEE TITLE GROUP LLC, TALLAHASSEE TITLE GRP LLC

Transaction

AmountAmount Recorded
Tax$196.00
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1709 GORNTO RD #A VALDOSTA GA 316018407, A, VALDOSTA, GA 31601-8407

Tax Assessment & Valuation

Source: Franklin County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyFranklin County
Unified School DistrictFranklin County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,441.00 (+2.13%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$302,383 (+2.9%)$341,066 (+0.39%) Land $80,000 Building $261,066
2024$2,390.00 (-0.42%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$293,861 (+3%)$339,730 (+19.08%) Land $76,000 Building $263,730
2023$2,400.00 (+312.37%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$285,302 (+275.4%) Land $76,000 Building $209,302$285,302 (+275.4%) Land $76,000 Building $209,302
2022$582.00$76,000 Land $76,000$76,000 Land $76,000

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 April 23, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 47 policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies47 in force
Nearby Flood Claims6 (2005–2018)
Most Recent ClaimOct 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

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

Wildfire RiskHigh
above 72% of the US · above 55% of Florida
Wildfire Likelihood0.3% annual chance
ExposureDirect
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 74 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Mediacom Xtream
Cable · Fiber in parts of the area		1,000 / 50
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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