2622 Hwy 98 E, Carrabelle, FL 32322 Property Records

Franklin County property record for 2622 Hwy 98 E, Carrabelle, FL 32322

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,786 sqft · built 2024
Lot Size	1.04 acres (45,651 sqft)
Owner	2 Individual Names on File
Last Sale	$140,000 (Mar 2022)
Tax Bill	$6,052 (2025)
Deeds & Mortgages	Jun 2023 Construction Loan Sep 2025 Transfer + 1 more
Flood Zone	Zone VE (high risk)
APN	`07-07S-03W-0000-0040-0120`

Property Details

APN / Parcel Number

Primary APN	`07-07S-03W-0000-0040-0120`
Alternative APN	`03W07S07000000400120`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,786 sqft Living Area
1st Floor Area	2,786 sqft
Flooring	Tile

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Architectural Style	Bungalow
Exterior Material	Concrete
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	45,651 sqft (1.04 acres)
Lot Dimensions	397 ft deep x 115 ft wide
View / Lot	Bay Front
Porch	Finished/Open Porch
Deck Area	71 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2622 HIGHWAY 98 E
City	CARRABELLE
State	FL
Zip	32322
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	A PARCEL KNOWN AS YANCEY LOT 6 IN SEC 07-07S-03W OR/476/95 OR/634/97 1159/261 1331/271 1428/104-LIFE ESTATE
Legal Range	03W
Legal Township	07S
Legal Section	07
Legal Subdivision	YANCEY #6
Legal Tract	6
Legal Lot Number	6
Jurisdiction	FRANKLIN FL
Township / Civil Division	CARRABELLE
Census Block Group	1
Census Block	1026
Census Tract	970102

Owner

2622 Hwy 98 E is owned by two individuals who bought it in March 2022.

Source: Franklin County records, as of March 6, 2026

Owner of Record	2 Individual Names on File
Mailing Address	499 WOODVILLE HWY, CRAWFORDVILLE, FL 32327-0610
Owner Type	Individual
Vesting	Life Estate

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
Jun 29, 2023	Deed of Trust, Mortgage · Construction Mortgage PRIME MERIDIAN BANK
Sep 23, 2025	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Mar 29, 2022	Warranty Deed, Transfer · Conventional Mortgage PRIME MERIDIAN BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 29, 2022 · Amount on File
Deed Sale	Mar 29, 2022 · Amount on File
Deed Document Number	20221912
Deed Book / Page	1331 / 271
Prior Transfer Date	Mar 16, 2022
Prior Transfer Doc	0000001911
Record Updated	Sep 20, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN FL
Property Address	2622 HIGHWAY 98 E, CARRABELLE, FL 32322-2005
Transaction Type	Mortgage
Record Updated	Jan 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	816 WOOD STREET, CRAWFORDVILLE, FL 32327

Mortgage

Document Number	0019003302
Date	Jun 29, 2023
Book Page	1367/499
Instrument	202319003302

Lender

Name	PRIME MERIDIAN BANK
Type	Bank
Address	TALLAHASSEE, FL 32312

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	373 Months
Due	Jul 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	7.25%
Type Change Date	Jul 1, 2029
Change Frequency	Annually
Min Rate At Change	7.25%
Max Rate At Change	9.25%
Index	1-Year T-Bill
Margin	3
Max Rate	12.2%

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FRANKLIN FL
Recording Date	Sep 23, 2025
Property Address	2622 HIGHWAY 98 E, CARRABELLE, FL 32322-2005
Document Number	0019004469
Book / Page	1428 / 104
Instrument Date	Sep 16, 2025
Instrument	202519004469
Transaction Type	Transfer
Record Updated	Jan 6, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	499 WOODVILLE HWY, CRAWFORDVILLE, FL 32327-0610

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	499 WOODVILLE HWY, CRAWFORDVILLE, FL 32327-0610

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN FL
Recording Date	Mar 29, 2022
Property Address	2622 HIGHWAY 98 E, CARRABELLE, FL 32322-2005
Document Number	0019001912
Book / Page	1331 / 271
Instrument Date	Mar 16, 2022
Instrument	202219001912
Transaction Type	Transfer
Record Updated	Jan 6, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$980.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11315 KEY WEST DR NE, ALBUQUERQUE, NM 87111-2632

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	499 WOODVILLE HWY, CRAWFORDVILLE, FL 32327-0610

Mortgage

Document Number	0000000274
Date	Mar 29, 2022
Instrument	1331/274

Lender

Name	PRIME MERIDIAN BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2037

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Type Change Date	Apr 1, 2025
Change Frequency	Annually
Min Rate At Change	5.75%
Max Rate At Change	7.75%
Index	1-Year CMT
Max Rate	10.7%

Tax Assessment & Valuation

The 2025 property tax bill for 2622 Hwy 98 E was $6,052, up 433.7% 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	$6,052.00 (+433.69%)	$648,313 (+440.26%) Land $115,000 Building $533,313	$648,313 (+440.26%) Land $115,000 Building $533,313
2024	$1,134.00 (+4.81%)	$120,000 (+9.09%) Land $120,000	$120,000 (+9.09%) Land $120,000
2023	$1,082.00 (-2.52%)	$110,000 (-) Land $110,000	$110,000 (-) Land $110,000
2022	$1,110.00	$110,000 Land $110,000	$110,000 Land $110,000

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

Flood

FEMA maps place 2622 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 2622 Hwy 98 E is high, ranking above 74% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	High above 74% of the US · above 59% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

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 7 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile.

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