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2857 Hwy 98 E, Carrabelle, FL 32322 Property Records

Franklin County property record for 2857 Hwy 98 E, Carrabelle, FL 32322

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,344 sqft · built 1987
Lot Size0.344 acres (14,988 sqft)
OwnerIndividual Name on File
Last Sale$250,000 (Feb 2021)
Tax Bill$2,260 (2025)
Deeds & MortgagesFeb 2021 Sale & Mortgage
Feb 2019 Sale
+ 1 more
Flood ZoneZone VE (high risk)
APN04-07S-03W-3151-000B-0040

Property Details

APN / Parcel Number

Primary APN04-07S-03W-3151-000B-0040

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,344 sqft Heated Area
Gross Area1,764 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1987
Exterior MaterialWood
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area14,988 sqft
Lot Width200 ft Width
PorchEnclosed Porch
Porch Area588 sqft
Storage Building176 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address2857 HIGHWAY 98 E
CityCARRABELLE
StateFL
Zip32322-8060
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionUNIT 1 BL B LOT 4 ST JAMES IS OR 256/262 266/72 269/306 292/328 438/281 OR 559/333 622/144 CASE NO. 99-0178-CA 765/525 807/53
Legal Range03W
Legal Township07S
Legal Section04
Legal SubdivisionSTJAMES ISLAND PARK
Legal BlockB
Legal Lot Number4
Legal Unit1
JurisdictionFRANKLIN FL
Township / Civil DivisionCARRABELLE
Census Block Group2
Census Block2075
Census Tract970102

Owner

2857 Hwy 98 E is owned by an individual who bought it in February 2021.

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

Owner of RecordIndividual Name on File
Co-ownerCo-owner on File
Mailing Address983 NW SAINT THOMAS CHURCH RD, MADISON, FL 32340-3957
Owner TypeIndividual

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

DateDocument
Feb 16, 2021Warranty Deed, Transfer · Commercial Mortgage
MADISON COUNTY COMMUNITY BANK
Feb 22, 2019Warranty Deed, Transfer
TALLAHASSEE TITLE GROUP LLC, TALLAHASSEE TITLE GRP LLC
Mar 1, 2017Loan Modification, Mortgage
CENTENNIAL BK

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleFeb 16, 2021 · Amount on File
Deed SaleFeb 16, 2021 · Amount on File
Prior SaleFeb 22, 2019 · Amount on File
Deed Document Number202119000888
Deed Book / Page1290 / 379
Record UpdatedJun 8, 2026

February 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionFRANKLIN FL
Recording DateFeb 16, 2021
Property Address2857 HIGHWAY 98 E, CARRABELLE, FL 32322-8060
Document Number0019000888
Book / Page1290 / 379
Map ReferenceMB 1 PG 19
Instrument DateFeb 12, 2021
Instrument202119000888
Transaction TypeTransfer
Record UpdatedJan 6, 2026
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,750.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address4809 WOODLAND DR E, TIFTON, GA 31794-2301

Transferred To (Grantee/Buyer)

NameVerified Name
Address983 NW SAINT THOMAS CHURCH RD, MADISON, FL 32340-3957

Mortgage

Document Number0000000381
DateFeb 16, 2021
Instrument1290/381
Lender
NameMADISON COUNTY COMMUNITY BANK
TypeBank
Agreement
TypeCommercial Mortgage
AmountAmount on Record
Term240 Months
DueFeb 13, 2041

February 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionFRANKLIN FL
Recording DateFeb 22, 2019
Property Address2857 HIGHWAY 98 E, CARRABELLE, FL 32322-8060
Document Number0019000749
Book / Page001236 / 000034
Instrument DateFeb 21, 2019
Instrument19000749
Transaction TypeTransfer
Record UpdatedMar 20, 2019
Title CompanyTALLAHASSEE TITLE GROUP LLC, TALLAHASSEE TITLE GRP LLC

Transaction

AmountAmount on Record
Tax$1,295.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address4809 WOODLAND DR E TIFTON GA 317942301, TIFTON, GA 31794-2301

March 2017: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionFRANKLIN FL
Property Address2857 HIGHWAY 98 E, CARRABELLE, FL 32322-8060
Document Number0019001915
Book / Page001190 / 000469
Instrument DateMar 1, 2017
Transaction TypeMortgage
Record UpdatedMay 22, 2017

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address2844 PABLO AVE TALLAHASSEE FL 323084211, TALLAHASSEE, FL 32308-4211

Mortgage

Document Number0019001915
DateApr 20, 2017
Book Page001190/000469
Instrument19001915
Lender
NameCENTENNIAL BK
TypeBank
AddressTALLAHASSEE, FL 32308
Agreement
Term36 Months
DueApr 19, 2020

Tax Assessment & Valuation

The 2025 property tax bill for 2857 Hwy 98 E was $2,260, up 4.8% from the year before.

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$2,260.00 (+4.78%)$238,782 (+6.16%) Land $50,000 Building $188,782$238,782 (+6.16%) Land $50,000 Building $188,782
2024$2,157.00 (+4.46%)$224,920 (+8.77%) Land $35,000 Building $189,920$224,920 (+8.77%) Land $35,000 Building $189,920
2023$2,065.00 (+2.94%)$206,792 (+5.74%) Land $40,000 Building $166,792$206,792 (+5.74%) Land $40,000 Building $166,792
2022$2,006.00$195,570 Land $40,000 Building $155,570$195,570 Land $40,000 Building $155,570

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

Flood

FEMA maps place 2857 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 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 File
median of 293 individual policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies329 units insured
incl. 36 condo units
Nearby Flood Claims72 (2005–2024)
Most Recent ClaimSep 2024 · Hurricane Helene
Claims by Event
  • Hurricane Helene, Sep 2024 · 12 claims
  • Hurricane Michael, Oct 2018 · 45 claims
  • Hurricane Dennis, Jul 2005 · 8 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 2857 Hwy 98 E is high, ranking above 80% of the US, with a 0.5% annual chance of wildfire.

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

Wildfire RiskHigh
above 80% of the US · above 70% of Florida
Wildfire Likelihood0.5% annual chance
ExposureDirect
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 SystemCITY OF CARRABELLE WATER SYSTEM
serves 3,690 people · EPA ID FL1190118
Water SourceGroundwater
Last State InspectionMar 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 30 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Mediacom Xtream
Cable		1,000 / 50
Starlink
Satellite		280 / 30

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