2904 Hwy 98 E, Carrabelle, FL 32322 Property Records

Franklin County property record for 2904 Hwy 98 E, Carrabelle, FL 32322

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,116 sqft · built 2012
Lot Size	0.345 acres (15,022 sqft)
Owner	Company Name on File
Last Sale	$1,250,000 (May 2022)
Tax Bill	$4,684 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage Mar 2022 Sale + 1 more
Flood Zone	Zone VE (high risk)
APN	`04-07S-03W-3151-000C-0240`

Property Details

APN / Parcel Number

Primary APN	`04-07S-03W-3151-000C-0240`
Alternative APN	`03W07S043151000C0240`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,116 sqft Living Area
1st Floor Area	2,116 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	15,022 sqft (0.345 acres)
Porch	Finished/Open Porch
Porch Area	906 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2904 US HIGHWAY 98
City	ST JAMES
State	FL
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	UNIT 1 BL C LOT 24 ST JAMES ISLAND PARK OR 108/306 165/409 293/277 447/51 620/528 756/166 820/149 978/191 1179/3 1296/147 1329/481 1336/766
Legal Range	03W
Legal Township	07S
Legal Section	04
Legal Subdivision	ST JAMES ISLAND PARK
Legal Block	C
Legal Lot Number	24
Legal Unit	1
Jurisdiction	FRANKLIN FL
Township / Civil Division	CARRABELLE
Census Block Group	1
Census Block	1026
Census Tract	970102

Owner

2904 Hwy 98 E is owned by a company that bought it in May 2022.

Source: Franklin County records, as of April 13, 2026

Owner of Record	Company Name on File
Mailing Address	214 C S FLOYD RD, LOGANVILLE, GA 30052-2383
Owner Type	Company
Vesting	Limited Liability Company

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

Date	Document
May 25, 2022	Warranty Deed, Transfer · Commercial Mortgage PERSONS BANKING COMPANY
Mar 15, 2022	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Apr 7, 2021	Warranty Deed, Transfer · Conventional Mortgage WHITNEY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 25, 2022 · Amount on File
Deed Sale	May 25, 2022 · Amount on File
Prior Sale	Apr 7, 2021 · Amount on File
Deed Document Number	20223203
Deed Book / Page	1336 / 766
Prior Transfer Date	Nov 14, 2008
Prior Transfer Doc	0019006734
Record Updated	Oct 29, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN FL
Recording Date	May 25, 2022
Property Address	2904 HIGHWAY 98 E, CARRABELLE, FL 32322-8027
Document Number	0019003203
Book / Page	1336 / 766
Map Reference	MB 1 PG 19
Instrument Date	May 23, 2022
Instrument	202219003203
Transaction Type	Transfer
Record Updated	Jan 6, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,750.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1600 DUG HILL RD, BROWNSBORO, AL 35741-9234

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	214 C S FLOYD RD, LOGANVILLE, GA 30052-2383

Mortgage

Document Number	0000000768
Date	May 25, 2022
Instrument	1336/768

Lender

Name	PERSONS BANKING COMPANY
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	120 Months
Due	May 25, 2032

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN FL
Recording Date	Mar 15, 2022
Property Address	2904 HIGHWAY 98 E, CARRABELLE, FL 32322-8027
Document Number	0019001561
Book / Page	1329 / 481
Map Reference	MB 1 PG 19
Instrument Date	Mar 11, 2022
Instrument	202219001561
Transaction Type	Transfer
Record Updated	Jan 6, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$7,752.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4919 COASTAL HWY, CRAWFORDVILLE, FL 32327-3611

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	2904 HIGHWAY 98 E, CARRABELLE, FL 32322-8027

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN FL
Recording Date	Apr 7, 2021
Property Address	2904 HIGHWAY 98 E, CARRABELLE, FL 32322-8027
Document Number	0019002050
Book / Page	1296 / 147
Map Reference	MB 1 PG 19
Instrument Date	Apr 2, 2021
Instrument	202119002050
Transaction Type	Transfer
Record Updated	Jan 6, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,850.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5766 TREESIDE DR, LIBERTY TOWNSHIP, OH 45044-8745

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4919 COASTAL HWY, CRAWFORDVILLE, FL 32327-3611

Mortgage

Document Number	0000000148
Date	Apr 7, 2021
Instrument	1296/148

Lender

Name	WHITNEY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 2904 Hwy 98 E was $4,684, down 0.1% from the year before.

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	$4,684.00 (-0.15%)	$500,543 (-1.47%) Land $112,500 Building $388,043	$500,543 (-1.47%) Land $112,500 Building $388,043
2024	$4,691.00 (+7.79%)	$507,987 (+15.06%) Land $112,500 Building $395,487	$507,987 (+15.06%) Land $112,500 Building $395,487
2023	$4,352.00 (+2.06%)	$441,509 (+4.8%) Land $90,000 Building $351,509	$441,509 (+4.8%) Land $90,000 Building $351,509
2022	$4,264.00	$421,284 Land $90,000 Building $331,284	$421,284 Land $90,000 Building $331,284

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 2904 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 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 File 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

Wildfire risk around 2904 Hwy 98 E is high, ranking above 76% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	High above 76% of the US · above 62% of Florida
Wildfire Likelihood	0.3% 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.

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 15 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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