Franklin County property record for 2824 Hwy 98 E, Carrabelle, FL 32322
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,273 sqft · built 2018 |
| Lot Size | 0.691 acres (30,118 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $89,000 (May 2017) |
| Tax Bill | $5,442 (2025) |
| Deeds & Mortgages | Jun 2018 Mortgage Sep 2017 Loan Modification + 1 more |
| Flood Zone | Zone VE (high risk) |
| APN | 04-07S-03W-3151-000C-0040 |
| Primary APN | 04-07S-03W-3151-000C-0040 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,273 sqft Heated Area |
| Gross Area | 2,677 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 30,118 sqft |
| Lot Width | 100 ft Width |
| Porch | Open Porch |
| Porch Area | 404 sqft |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 2824 HIGHWAY 98 E |
|---|---|
| City | CARRABELLE |
| State | FL |
| Zip | 32322-8026 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | UNIT 1 BL C LOT 4 ST JAMES ISLAND PARK OR/169/272 178/158 227/387 601/418 659/74 705/445 786/515 992/409 1002/620 1191/300 |
| Legal Range | 03W |
| Legal Township | 07S |
| Legal Section | 04 |
| Legal Subdivision | ST JAMES ISL PARK |
| Legal Block | C |
| Legal Lot Number | 4 |
| Legal Unit | 1 |
| Jurisdiction | FRANKLIN FL |
| Township / Civil Division | CARRABELLE |
| Census Block Group | 1 |
| Census Block | 1026 |
| Census Tract | 970102 |
Source: Franklin County records, as of January 5, 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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 222 OAK TRACE DR, THOMASVILLE, GA 31792-7648 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 18, 2018 | Deed of Trust, Mortgage PRIME4BANKS |
| Sep 21, 2017 | Loan Modification, Mortgage · Line of Credit THOMASVILLE NAT'L BK |
| May 1, 2017 | Warranty Deed, Transfer THOMASVILLE NATIONAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 1, 2017 · Amount on Record |
| Deed Sale | May 1, 2017 · Amount on Record |
| Prior Sale | Dec 21, 2009 · Amount on Record |
| Deed Document Number | 201719002138 |
| Deed Book / Page | 1191 / 300 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN FL |
| Property Address | 2824 HIGHWAY 98 E, CARRABELLE, FL 32322-8026 |
| Document Number | 0019003096 |
| Instrument Date | Jun 18, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 11, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 222 OAK TRACE DR THOMASVILLE GA 317927648, THOMASVILLE, GA 31792-7648 |
| Document Number | 0019003096 |
|---|---|
| Date | Jun 22, 2018 |
| Book Page | 001221/000635 |
| Instrument | 19003096 |
| Name | PRIME4BANKS |
|---|---|
| Type | Bank |
| Address | DELAND, FL 32720 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jun 21, 2048 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | FRANKLIN FL |
| Property Address | 2824 HIGHWAY 98 E, CARRABELLE, FL 32322-8026 |
| Document Number | 0019004958 |
| Book / Page | 001202 / 000796 |
| Instrument Date | Sep 21, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Oct 10, 2017 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Document Number | 0019004958 |
|---|---|
| Date | Sep 27, 2017 |
| Book Page | 001202/000796 |
| Instrument | 19004958 |
| Name | THOMASVILLE NAT'L BK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FRANKLIN FL |
| Recording Date | May 1, 2017 |
| Property Address | 2824 HIGHWAY 98 E, CARRABELLE, FL 32322-8026 |
| Document Number | 0019002138 |
| Book / Page | 1191 / 300 |
| Map Reference | MB1 PG19 |
| Instrument Date | Apr 25, 2001 |
| Instrument | 201719002138 |
| Transaction Type | Transfer |
| Record Updated | Jan 25, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $623.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 210 BOULDER BLUFF TRL, 210, CHAPEL HILL, NC 27516-9652 |
| Name | Verified Name |
|---|---|
| Address | 222 OAK TRACE DR, THOMASVILLE, GA 31792-7648 |
| Document Number | 0000000301 |
|---|---|
| Date | May 1, 2017 |
| Instrument | 1191/301 |
| Name | THOMASVILLE NATIONAL BANK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|
Source: Franklin County assessment roll, as of July 1, 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 | $5,442.00 (+3.54%) | $594,418 (-1.03%) Land $112,500 Building $481,918 | $594,418 (-1.03%) Land $112,500 Building $481,918 |
| 2024 | $5,256.00 (+8.17%) | $600,597 (+15.55%) Land $112,500 Building $488,097 | $600,597 (+15.55%) Land $112,500 Building $488,097 |
| 2023 | $4,859.00 (+4.9%) | $519,770 (+5.62%) Land $90,000 Building $429,770 | $519,770 (+5.62%) Land $90,000 Building $429,770 |
| 2022 | $4,632.00 | $492,101 Land $90,000 Building $402,101 | $492,101 Land $90,000 Building $402,101 |
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 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 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 72% of the US · above 56% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 11 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Xtream Cable | 1,000 / 50 |
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