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3025 Hwy 98 E, Carrabelle, FL 32322 Property Records

Franklin County property record for 3025 Hwy 98 E, Carrabelle, FL 32322

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 828 sqft · built 1963
Lot Size0.517 acres (22,500 sqft)
OwnerIndividual Name on Record
Last Sale$118,500 (Dec 2019)
Tax Bill$1,446 (2025)
Deeds & MortgagesDec 2019 Sale & Mortgage
Flood ZoneZone AE (high risk)
APN04-07S-03W-3153-000B-0450

Property Details

APN / Parcel Number

Primary APN04-07S-03W-3153-000B-0450
Alternative APN
  • 03W07S043153000B0450

Interior

Bedrooms2 Beds
Full Baths1 Bath
Stories1 Story
Building Area828 sqft Living Area
Gross Area1,148 sqft
1st Floor Area828 sqft
FlooringTile
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1963
Effective Year BuiltEffective 1963
Architectural StyleBungalow
Exterior MaterialWood
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area22,500 sqft (0.517 acres)
Lot Width150 ft Width
PorchFinished Screened Porch
Porch Area320 sqft
Storage BuildingStorage Building

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address3025 HIGHWAY 98 E
CityCARRABELLE
StateFL
Zip32322-8001
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionUNIT 3 BLOCK B LOT 45 ALSO E 1/2 OF LOT 44 ST JAMES ISLAND PARK SUB OR 125/624 148/364 157/263 OR 193/227 203/431 210/255 OR 224/324 357/328 1181/472 1255/45
Legal Range03W
Legal Township07S
Legal Section04
Legal SubdivisionST JAMES ISLAND PARK
Legal BlockB
Legal Lot Number45,44
Legal Unit3
JurisdictionFRANKLIN FL
Township / Civil DivisionCARRABELLE
Census Block Group2
Census Block2075
Census Tract970102

Owner

Source: Franklin County records, as of November 26, 2025

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

Owner of RecordIndividual Name on Record
Mailing Address1445 HIGHWAY 67, CARRABELLE, FL 32322-2084
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleDec 10, 2019 · Amount on Record
Deed SaleDec 10, 2019 · Amount on Record
Deed Document Number20195481
Deed Book / Page1255 / 45
Prior Transfer DateDec 2, 2016
Prior Transfer Doc0019005628
Record UpdatedJun 8, 2026

December 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionFRANKLIN FL
Recording DateDec 10, 2019
Property Address3025 HIGHWAY 98 E, CARRABELLE, FL 32322-8001
Document Number0019005481
Book / Page001255 / 000045
Instrument DateNov 27, 2019
Instrument19005481
Transaction TypeTransfer
Record UpdatedJan 7, 2020
Title CompanyTALLAHASSEE TITLE GROUP LLC, TALLAHASSEE TITLE GRP LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$829.50
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address2816 CENTRAL AVE BIG PINE KEY FL 330436215, BIG PINE KEY, FL 33043-6215

Mortgage

Document Number19005482
DateDec 10, 2019
Book Page001255/000047
Instrument19005482
Lender
NameDE LEMENY LUBA FAMILY TR (PT)
Address214 E SAINT VRAIN ST, COLORADO SPRINGS, CO 80903-1122
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term36 Months
DueDec 9, 2022

Tax Assessment & Valuation

Source: Franklin County assessment roll, as of November 26, 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$1,446.00 (+10.89%)$170,231 (+14.63%) Land $75,000 Building $95,231$170,231 (+14.63%) Land $75,000 Building $95,231
2024$1,304.00 (+4.99%)$148,511 (+8.75%) Land $52,500 Building $96,011$148,511 (+8.75%) Land $52,500 Building $96,011
2023$1,242.00 (+9.72%)$136,564 (+16.94%) Land $60,000 Building $76,564$136,564 (+16.94%) Land $60,000 Building $76,564
2022$1,132.00$116,783 Land $60,000 Building $56,783$116,783 Land $60,000 Building $56,783

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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation16.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
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

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

Wildfire RiskHigh
above 79% of the US · above 67% 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 8 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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