Franklin County property record for 2626 Oak St, Carrabelle, FL 32322
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,640 sqft · built 1990 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $220,000 (Aug 2004) |
| Tax Bill | $1,436 (2025) |
| Deeds & Mortgages | Apr 2026 Line of Credit Jan 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-07S-03W-3120-0000-0190 |
| Primary APN | 07-07S-03W-3120-0000-0190 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,640 sqft Living Area |
| Gross Area | 3,572 sqft |
| 1st Floor Area | 2,640 sqft |
| Flooring | Vinyl/Resilient |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Modern |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 43,560 sqft (1 acres) |
| Garage Area | 740 sqft |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 1,008 sqft |
| Deck Area | 218 sqft |
| Storage Building | 96 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2626 OAK ST |
|---|---|
| City | CARRABELLE |
| State | FL |
| Zip | 32322-9053 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 19 DEER RUN EST UNRECD PLAT 1 AC OR/327/14 807/670 |
| Legal Subdivision | DEER RUN EST |
| Legal Lot Number | 19 |
| Jurisdiction | FRANKLIN FL |
| Township / Civil Division | CARRABELLE |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 970102 |
Source: Franklin County records, as of April 27, 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 | PO BOX 574, CARRABELLE, FL 32322-0574 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 13, 2026 | Deed of Trust, Mortgage · Line of Credit CAPITAL CITY BANK |
| Jan 19, 2022 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 23, 2004 · Amount on Record |
| Deed Sale | Aug 23, 2004 · Amount on Record |
| Deed Book / Page | 807 / 670 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN FL |
| Recording Date | Apr 13, 2026 |
| Property Address | 2626 OAK ST, CARRABELLE, FL 32322-9053 |
| Document Number | 0000001627 |
| Book / Page | 1442 / 217 |
| Instrument Date | Apr 8, 2026 |
| Instrument | 20261627 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|
| Document Number | 0000001627, |
|---|---|
| Date | Apr 13, 2026 |
| Book Page | 1442/217 |
| Instrument | 20261627 |
| Name | CAPITAL CITY BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.11% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN FL |
| Property Address | 2626 OAK ST, CARRABELLE, FL 32322-9053 |
| Transaction Type | Mortgage |
| Record Updated | Jan 6, 2026 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 574, CARRABELLE, FL 32322-0574 |
| Document Number | 0019000347 |
|---|---|
| Date | Jan 19, 2022 |
| Book Page | 1324/204 |
| Instrument | 202219000347 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2052 |
Source: Franklin County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Franklin County |
| Unified School District | Franklin County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,436.00 (+0.63%) Homeowner's exemption | $188,789 (+1.47%) | $324,703 (+5.94%) Land $60,000 Building $264,703 |
| 2024 | $1,427.00 (-1.92%) Homeowner's exemption | $186,045 (+1.51%) | $306,498 (+15.48%) Land $38,000 Building $268,498 |
| 2023 | $1,455.00 (-0.95%) Homeowner's exemption | $183,285 (+1.47%) | $265,414 (+18.94%) Land $38,000 Building $227,414 |
| 2022 | $1,469.00 Homeowner's exemption | $180,635 | $223,142 Land $38,000 Building $185,142 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 84% of the US · above 75% of Florida |
|---|---|
| Wildfire Likelihood | 0.6% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 21 locations within half a mile, as of December 31, 2025
| Provider | Max 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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