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2812 Hidden Beaches Rd, Carrabelle, FL 32322 Property Records

Franklin County property record for 2812 Hidden Beaches Rd, Carrabelle, FL 32322

Property Summary

Property TypeSingle Family Home
Details4 bd · 4 ba · 2,184 sqft
Lot Size0.687 acres (29,969 sqft)
Owner2 Individual Names on Record
Last Sale$150,000 (Apr 2018)
Tax Bill$4,397 (2025)
Deeds & MortgagesDec 2021 Mortgage
Nov 2019 Construction Loan
Flood ZoneZone VE (high risk)
APN08-08S-05W-0270-0000-0130

Property Details

APN / Parcel Number

Primary APN08-08S-05W-0270-0000-0130

Interior

Bedrooms4 Beds
Full Baths4 Baths
Building Area2,184 sqft Heated Area
Gross Area2,628 sqft
Interior WallsWallboard/Drywall

Exterior

Exterior MaterialFiber Cement Siding
Construction TypeFrame
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area29,969 sqft (0.687 acres)
Lot Dimensions200 ft deep x 150 ft wide
PorchOpen Porch

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address2812 HIDDEN BEACHES RD
CityCARRABELLE
StateFL
Zip32322-3063
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 13 HIDDEN BEACHES OR/545/348 975/273 1187/53 1215/664
Legal Range05W
Legal Township08S
Legal Section08
Legal SubdivisionHIDDEN BEACHES
Legal Lot Number13
JurisdictionFRANKLIN FL
Township / Civil DivisionEASTPOINT
Census Block Group1
Census Block1264
Census Tract970200

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 Record2 Individual Names on Record
Mailing Address3791 LOMA FARM RD, TALLAHASSEE, FL 32309-6304
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Dec 1, 2021Deed of Trust, Mortgage · Conventional Mortgage
WHITNEY BANK
Nov 4, 2019Trustee's Deed, Construction Loan · Construction Mortgage
HANCOCK WHITNEY BK

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 13, 2018 · Amount on Record
Deed SaleApr 13, 2018 · Amount on Record
Prior SaleOct 1, 2008 · Amount on Record
Deed Document Number201819001695
Deed Book / Page1215 / 664
Record UpdatedJun 8, 2026

December 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionFRANKLIN FL
Property Address2812 HIDDEN BEACHES RD, CARRABELLE, FL 32322-3063
Transaction TypeMortgage
Record UpdatedFeb 3, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address3791 LOMA FARM RD, TALLAHASSEE, FL 32309-6304

Mortgage

Document Number0019007347
DateDec 1, 2021
Book Page1320/188
Instrument202119007347
Lender
NameWHITNEY BANK
TypeBank
AddressGULFPORT, MS 39501
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueDec 1, 2036

November 2019: Trustee's Deed, Construction Loan

Document TypeTrustee's Deed
JurisdictionFRANKLIN FL
Recording DateNov 4, 2019
Property Address2812 HIDDEN BEACHES RD, CARRABELLE, FL 32322-3063
Book / Page001252 / 000636
Instrument DateOct 31, 2019
Instrument19004962
Transaction TypeConstruction Loan
Record UpdatedNov 28, 2019
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address3791 LOMA FARM RD TALLAHASSEE FL 323096304, TALLAHASSEE, FL 32309-6304

Mortgage

Document Number0019004962
DateNov 4, 2019
Book Page001252/000636
Instrument19004962
Lender
NameHANCOCK WHITNEY BK
AddressGULFPORT, MS 39502
Agreement
TypeConstruction Mortgage
AmountAmount Recorded
Term180 Months
DueNov 3, 2034
Interest
Rate3.25%

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$4,397.00 (-30.96%) Homeowner's exemption$508,605 (-25.28%)$675,605 (-0.74%) Land $184,500 Building $491,105
2024$6,369.00 (+5.69%)$680,668 (+9.98%) Land $184,500 Building $496,168$680,668 (+9.98%) Land $184,500 Building $496,168
2023$6,026.00 (+4.82%)$618,900 (+4.98%) Land $184,500 Building $434,400$618,900 (+4.98%) Land $184,500 Building $434,400
2022$5,749.00$589,536 Land $184,500 Building $405,036$589,536 Land $184,500 Building $405,036

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 VE
high risk · coastal, wave action
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation18.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 133 individual policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies171 units insured
incl. 38 condo units
Nearby Flood Claims359 (1979–2024)
Claims Outside the SFHA6 of 359
Most Recent ClaimOct 2024 · Hurricane Milton
Claims by Event
  • Hurricane Dennis, Jul 2005 · 79 claims
  • Hurricane Kate, Nov 1985 · 84 claims
  • Hurricane Elena, Sep 1985 · 72 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 86% of the US · above 79% of Florida
Wildfire Likelihood0.5% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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

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

Cell Coverage

5G (outdoors only) and 4G LTE

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