2872 Hwy 98 E, Carrabelle, FL 32322 Property Records

Franklin County property record for 2872 Hwy 98 E, Carrabelle, FL 32322

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,296 sqft · built 1992
Lot Size	0.512 acres (22,296 sqft)
Owner	Company Name on Record
Last Sale	$573,500 (Apr 2022)
Tax Bill	$4,393 (2025)
Deeds & Mortgages	Nov 2025 Transfer Nov 2025 Transfer + 4 more
Flood Zone	Zone VE (high risk)
APN	`04-07S-03W-3151-000C-0160`

Property Details

APN / Parcel Number

Primary APN	`04-07S-03W-3151-000C-0160`
Alternative APN	`03W07S043151000C0160`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,296 sqft Living Area
1st Floor Area	1,296 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Bungalow
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	22,296 sqft (0.512 acres)
Porch	Finished/Open Porch
Porch Area	860 sqft
Storage Building	Storage Building

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2872 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 16 OR/157/194 ST JAMES ISLAND PRK OR 289/196 OR 327/333 1036/574 1165/613 1168/255 1193/278 1281/417 1331/604 1421/37 1423/4 1424/389
Legal Range	03W
Legal Township	07S
Legal Section	04
Legal Subdivision	ST JAMES ISLAND
Legal Block	C
Legal Lot Number	16
Legal Unit	1
Jurisdiction	FRANKLIN FL
Township / Civil Division	CARRABELLE
Census Block Group	1
Census Block	1026
Census Tract	970102

Owner

Source: Franklin County records, as of February 2, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	134 STONEYSIDE LN, SAINT LOUIS, MO 63132-4124
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Nov 5, 2025	Correction Deed ATTORNEY ONLY, ATTORNEY
Nov 5, 2025	Correction Deed ATTORNEY ONLY, ATTORNEY
Nov 5, 2025	Correction Deed · Line of Credit CITIZENS BANK OF ROGERSVILLE
Apr 1, 2022	Warranty Deed, Transfer · Line of Credit CARROLLTON BANK
Nov 6, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
May 24, 2017	Warranty Deed, Transfer · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 1, 2022 · Amount on Record
Deed Sale	Apr 1, 2022 · Amount on Record
Prior Sale	May 24, 2017 · Amount on Record
Deed Document Number	20221990
Deed Book / Page	1331 / 604
Last Transfer Date	Oct 29, 2025
Transfer Doc	0019005170
Record Updated	Jun 8, 2026

November 2025: Correction Deed

Document Type	Correction Deed
Jurisdiction	FRANKLIN FL
Recording Date	Nov 5, 2025
Property Address	2872 HIGHWAY 98 E, CARRABELLE, FL 32322-8026
Document Number	0019005169
Book / Page	1431 / 330
Map Reference	MB 1 PG 19
Instrument Date	Oct 29, 2025
Instrument	202519005169
Record Updated	Jan 6, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	134 STONEYSIDE LN, SAINT LOUIS, MO 63132-4124

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	134 STONEYSIDE LN, SAINT LOUIS, MO 63132-4124

November 2025: Correction Deed

Document Type	Correction Deed
Jurisdiction	FRANKLIN FL
Recording Date	Nov 5, 2025
Property Address	2872 HIGHWAY 98 E, CARRABELLE, FL 32322-8026
Document Number	0019005168
Book / Page	1431 / 329
Map Reference	MB 1 PG 19
Instrument Date	Oct 29, 2025
Instrument	202519005168
Record Updated	Jan 6, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	134 STONEYSIDE LN, SAINT LOUIS, MO 63132-4124

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	134 STONEYSIDE LN, SAINT LOUIS, MO 63132-4124

November 2025: Correction Deed

Document Type	Correction Deed
Jurisdiction	FRANKLIN FL
Recording Date	Nov 5, 2025
Property Address	2872 HIGHWAY 98 E, CARRABELLE, FL 32322-8026
Document Number	0019005170
Book / Page	1431 / 332
Map Reference	MB 1 PG 19
Instrument Date	Oct 20, 2025
Instrument	202519005170
Record Updated	Jan 6, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	134 STONEYSIDE LN, SAINT LOUIS, MO 63132-4124

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	134 STONEYSIDE LN, SAINT LOUIS, MO 63132-4124

Mortgage

Document Number	0000000334
Date	Nov 5, 2025
Instrument	1431/334

Lender

Name	CITIZENS BANK OF ROGERSVILLE
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	24 Months
Due	Oct 31, 2027

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN FL
Recording Date	Apr 1, 2022
Property Address	2872 HIGHWAY 98 E, CARRABELLE, FL 32322-8026
Document Number	0019001990
Book / Page	1331 / 604
Map Reference	MB 1 PG 19
Instrument Date	Mar 30, 2022
Instrument	202219001990
Transaction Type	Transfer
Record Updated	Jan 6, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,014.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1921 WAVERLY RIDGE PT, WATKINSVILLE, GA 30677

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	134 STOUCYSIDE LANE ST, SAINT LOUIS, MO 63132

Mortgage

Document Number	0000000606
Date	Apr 1, 2022
Instrument	1331/606

Lender

Name	CARROLLTON BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	35 Months
Due	Mar 30, 2025

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN FL
Recording Date	Nov 6, 2020
Property Address	2872 HIGHWAY 98 E, CARRABELLE, FL 32322-8026
Document Number	0019005328
Book / Page	001281 / 000417
Instrument Date	Oct 28, 2020
Instrument	19005328
Transaction Type	Transfer
Record Updated	Nov 23, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	1021 WAVERLY RIDGE PT WATKINSVILLE GA 306777824, WATKINSVILLE, GA 30677-7824

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN FL
Recording Date	May 24, 2017
Property Address	2872 HIGHWAY 98 E, CARRABELLE, FL 32322-8026
Document Number	0019002619
Book / Page	1193 / 278
Map Reference	MB19 PG1
Instrument Date	Apr 25, 2017
Instrument	201719002619
Transaction Type	Transfer
Record Updated	Jan 25, 2022
Title Company	WAKULLA TITLE COMPANY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,485.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	441 RIVER RD, 441, CARRABELLE, FL 32322-5022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2872 HIGHWAY 98 E, CARRABELLE, FL 32322-8026

Mortgage

Document Number	0000000279
Date	May 24, 2017
Instrument	1193/279

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2047

Tax Assessment & Valuation

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	$4,393.00 (+1.03%)	$469,160 (-0.84%) Land $112,500 Building $356,660	$469,160 (-0.84%) Land $112,500 Building $356,660
2024	$4,348.00 (+8.27%)	$473,130 (+16.26%) Land $112,500 Building $360,630	$473,130 (+16.26%) Land $112,500 Building $360,630
2023	$4,016.00 (+2.32%)	$406,957 (+5.06%) Land $90,000 Building $316,957	$406,957 (+5.06%) Land $90,000 Building $316,957
2022	$3,925.00	$387,371 Land $90,000 Building $297,371	$387,371 Land $90,000 Building $297,371

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 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	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

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

Wildfire Risk	Moderate above 52% of the US · lower than 77% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Hwy 98 E

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