2912 Hwy 98 E, Carrabelle, FL 32322 Property Records

Franklin County property record for 2912 Hwy 98 E, Carrabelle, FL 32322

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,200 sqft · built 2019
Lot Size	0.244 acres (10,633 sqft)
Owner	Company Name on Record
Last Sale	$800,100 (May 2022)
Tax Bill	$4,007 (2025)
Deeds & Mortgages	May 2022 Sale Nov 2019 Loan Modification + 1 more
Flood Zone	Zone VE (high risk)
APN	`04-07S-03W-3151-000C-0260`

Property Details

APN / Parcel Number

Primary APN	`04-07S-03W-3151-000C-0260`
Alternative APN	`03W07S043151000C0260`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,200 sqft Living Area
Gross Area	1,600 sqft
1st Floor Area	1,200 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Bungalow
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	10,633 sqft (0.244 acres)
Porch	Finished Screened Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2912 HIGHWAY 98 E
City	CARRABELLE
State	FL
Zip	32322-8027
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 26 BL C ST JAMES ISLAND PARK UNIT 1 ORB 287/286 ORB 388/94 844/625 855/318 855/320 1057/307 1062/790 1334/428
Legal Range	03W
Legal Township	07S
Legal Section	04
Legal Subdivision	ST JAMES ISLAND PARK
Legal Block	C
Legal Lot Number	26
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 April 13, 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	PO BOX 3375, LOGANVILLE, GA 30052-1974
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
May 2, 2022	Warranty Deed, Transfer LOWE TITLE SERVICES
Nov 19, 2019	Loan Modification, Mortgage · Conventional Mortgage CENTENNIAL BK
Jan 3, 2019	Trustee's Deed, Construction Loan · Construction Mortgage CENTENNIAL BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 2, 2022 · Amount on Record
Deed Sale	May 2, 2022 · Amount on Record
Prior Sale	May 23, 2012 · Amount on Record
Deed Document Number	20222652
Deed Book / Page	1334 / 428
Record Updated	Jun 8, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN FL
Recording Date	May 2, 2022
Property Address	2912 HIGHWAY 98 E, CARRABELLE, FL 32322-8027
Document Number	0019002652
Book / Page	1334 / 428
Map Reference	MB 1 PG 19
Instrument Date	May 2, 2022
Instrument	202219002652
Transaction Type	Transfer
Record Updated	Jan 6, 2026
Title Company	LOWE TITLE SERVICES

Transaction

Amount	Amount Recorded
Tax	$5,600.70
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2912 HIGHWAY 98 E, CARRABELLE, FL 32322-8027

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 3375, LOGANVILLE, GA 30052-1974

November 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	FRANKLIN FL
Property Address	2912 HIGHWAY 98 E, CARRABELLE, FL 32322-8027
Document Number	0019005330
Instrument Date	Nov 19, 2019
Transaction Type	Mortgage
Record Updated	Jan 6, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2912 HIGHWAY 98 E CARRABELLE FL 32322, CARRABELLE, FL 32322

Mortgage

Document Number	0019005330
Date	Dec 2, 2019
Book Page	001254/000214
Instrument	19005330

Lender

Name	CENTENNIAL BK
Type	Bank
Address	CONWAY, AR 72032

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2049

Interest

Rate Type	Fixed Rate
Rate	3.75%

January 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	FRANKLIN FL
Recording Date	Jan 3, 2019
Property Address	2912 HIGHWAY 98 E, CARRABELLE, FL 32322-8027
Book / Page	001233 / 000139
Instrument Date	Dec 31, 2018
Instrument	19000014
Transaction Type	Construction Loan
Record Updated	Jan 31, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	617 PINE FOREST DR BRANDON FL 335117817, BRANDON, FL 33511-7817

Mortgage

Document Number	0019000014
Date	Jan 3, 2019
Book Page	001233/000139
Instrument	19000014

Lender

Name	CENTENNIAL BK
Type	Bank
Address	CONWAY, AR 72033

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 2, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.87%

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	$4,007.00 (-1.48%)	$427,431 (-0.83%) Land $85,000 Building $342,431	$427,431 (-0.83%) Land $85,000 Building $342,431
2024	$4,067.00 (+6.08%)	$431,006 (+10.99%) Land $85,000 Building $346,006	$431,006 (+10.99%) Land $85,000 Building $346,006
2023	$3,834.00 (+92.47%)	$388,342 (+66.73%) Land $85,000 Building $303,342	$388,342 (+5.5%) Land $85,000 Building $303,342
2022	$1,992.00 Homeowner's exemption	$232,920	$368,083 Land $85,000 Building $283,083

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

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	21.0 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	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	0.01% 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 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

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures