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3045 Hwy 98 E, Carrabelle, FL 32322 Property Records

Franklin County property record for 3045 Hwy 98 E, Carrabelle, FL 32322 · Last verified May 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,536 sqft · built 1986
Lot Size0.344 acres (15,000 sqft)
Owner2 Individual Names on File
Last Sale$110,000 (Aug 2012)
Tax Bill$702 (2025)
Deeds & MortgagesMar 2019 Mortgage
Flood ZoneZone AE (high risk)
APN04-07S-03W-3153-000B-0500

Property Details

APN / Parcel Number

Primary APN04-07S-03W-3153-000B-0500
Alternative APN
  • 03W07S043153000B0500

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,536 sqft Living Area
Gross Area1,608 sqft
1st Floor Area1,536 sqft
FlooringWood
Interior WallsCustom/Decorative

Exterior

Year BuiltBuilt 1986
Effective Year BuiltEffective 1986
Architectural StyleBungalow
Exterior MaterialWood
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area15,000 sqft (0.344 acres)
Garage Area504 sqft
PorchFinished Screened Porch
Porch Area264 sqft
Deck Area20 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address3045 HIGHWAY 98 E
CityCARRABELLE
StateFL
Zip32322-8001
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionUNIT 3 BL B LOT 50 ST JAMES ISLAND PARK OR 117/582 188/163 189/38 OR 591/302-04 834/483 852/614 1034/766 1072/791
Legal Range03W
Legal Township07S
Legal Section04
Legal SubdivisionST JAMES ISLAND PARK
Legal BlockB
Legal Lot Number50
Legal Unit3
JurisdictionFRANKLIN FL
Township / Civil DivisionCARRABELLE
Census Block Group2
Census Block2075
Census Tract970102

Owner

Source: Franklin County records · APN 04-07S-03W-3153-000B-0500

Assessment roll updated November 26, 2025 · Last verified May 2026

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

Owner of Record2 Individual Names on File
Mailing Address3045 HIGHWAY 98 E, CARRABELLE, FL 32322-8001
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleAug 30, 2012 · Amount on Record
Deed SaleAug 30, 2012 · Amount on Record
Prior SaleMay 24, 2005 · Amount on Record
Deed Document Number20127562
Deed Book / Page1072 / 791
Prior Transfer DateApr 28, 2011
Prior Transfer Doc0019010882
Record UpdatedJun 08, 2026

March 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionFRANKLIN FL
Property Address3045 HIGHWAY 98 E, CARRABELLE, FL 32322-8001
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0019000846
DateMar 01, 2019
Book Page1236/474
Instrument201919000846
Lender
NameTC FEDERAL BANK
TypeBank
AddressTALLAHASSEE, FL 32309
Agreement
TypeCommercial Mortgage
AmountAmount Recorded
Term178 Months
DueJan 30, 2034
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

Tax Assessment & Valuation

Source: Franklin County records · Assessment roll updated November 26, 2025 · Last verified May 2026

Property Jurisdictions

TypeName
StateFlorida
CountyFranklin County
Unified School DistrictFranklin County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$702.00 (+2.93%) Homeowner's exemption$109,561 (+2.9%)$217,866 (+6.79%) Land $50,000 Building $167,866
2024$682.00 (+0.89%) Homeowner's exemption$106,473 (+3%)$204,021 (+16.9%) Land $35,000 Building $169,021
2023$676.00 (+1.5%) Homeowner's exemption$103,372 (+3%)$174,529 (+25.07%) Land $40,000 Building $134,529
2022$666.00 Homeowner's exemption$100,361$139,542 Land $40,000 Building $99,542

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Franklin County (12037C), updated April 23, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120379701022, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone AE
Special Flood Hazard AreaYes
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation16.0 ft
Flood Insurance RequirementRequired (federally backed mortgages)
Flood Insurance CostPremium on Record
median of 293 individual NFIP policies nearby
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies329 units insured
36 under condo master policies
Nearby Flood Claims72 (2005–2024)
Most Recent ClaimSep 2024, tidal / storm surge, Hurricane Helene
Claims By Storm
  • Hurricane Helene, Sep 2024 · 12 claims
  • Hurricane Michael, Oct 2018 · 45 claims
  • Hurricane Dennis, Jul 2005 · 8 claims

Wildfire

Wildfire RiskHigh
above 79% of the US · above 68% of Florida
Wildfire LikelihoodAbout 1 in 192 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 8 locations within about half a mile of this property, a small sample

ProviderTechnologyDownload / Upload (Mbps)
Mediacom CommunicationsCable1,000 / 50
StarlinkSatellite (low-earth orbit)280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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