31 White Way, Carrabelle, FL 32322 Property Records

Franklin County property record for 31 White Way, Carrabelle, FL 32322

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,113 sqft
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on Record
Last Sale	$179,000 (Mar 2022)
Tax Bill	$4,765 (2025)
Deeds & Mortgages	Jun 2022 Construction Loan Mar 2022 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`11-07S-05W-0000-0040-0100`

Property Details

APN / Parcel Number

Primary APN	`11-07S-05W-0000-0040-0100`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,113 sqft Heated Area
Gross Area	3,744 sqft
Interior Walls	Wallboard/Drywall

Exterior

Exterior Material	Fiber Cement Siding
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Rolled Roofing
Lot Area	43,560 sqft (1 acres)
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	31 WHITE WAY
City	CARRABELLE
State	FL
Zip	32322-5014
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 9 NEW RIVER FOREST SUB CONTAINING 1.00 AC M/L 573/781 1027/115 1329/248
Legal Range	05W
Legal Township	07S
Legal Section	11
Legal Subdivision	NEW RIVER FOREST SUB
Legal Lot Number	9
Jurisdiction	FRANKLIN FL
Township / Civil Division	EASTPOINT
Census Block Group	1
Census Block	1192
Census Tract	970200

Owner

Source: Franklin County records, as of January 5, 2026

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	31 WHITE WAY, CARRABELLE, FL 32322-5014
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2022	Deed of Trust, Mortgage · Construction Mortgage UNIVERSITY LENDING GROUP LLC
Mar 14, 2022	Warranty Deed, Transfer · Conventional Mortgage SEACOAST NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 14, 2022 · Amount on Record
Deed Sale	Mar 14, 2022 · Amount on Record
Prior Sale	Jan 5, 2011 · Amount on Record
Deed Document Number	202219001498
Deed Book / Page	1329 / 248
Record Updated	Jun 8, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN FL
Property Address	31 WHITE WAY, CARRABELLE, FL 32322-5014
Transaction Type	Mortgage
Record Updated	Feb 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3329 SAWMILL RIDGE LOOP, HEBER, AZ 85928-6003

Mortgage

Document Number	0019003677
Date	Jun 15, 2022
Book Page	1339/179
Instrument	202219003677

Lender

Name	UNIVERSITY LENDING GROUP LLC
Type	Mortgage Company
Address	SOUTHFIELD, MI 48034

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN FL
Recording Date	Mar 14, 2022
Property Address	31 WHITE WAY, CARRABELLE, FL 32322-5014
Document Number	0019001498
Book / Page	1329 / 248
Map Reference	MB 6 PG 16
Instrument Date	Mar 7, 2022
Instrument	202219001498
Transaction Type	Transfer
Record Updated	Feb 3, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,253.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	121 MARINER PL, PORT LUDLOW, WA 98365-8738

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3329 SAWMILL RIDGE LOOP, HEBER, AZ 85928-6003

Mortgage

Document Number	0000000250
Date	Mar 14, 2022
Instrument	1329/250

Lender

Name	SEACOAST NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2037

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	Apr 1, 2027
Change Frequency	Annually
Min Rate At Change	3.5%
Max Rate At Change	5.78%
Index	1-Year CMT
Max Rate	8.87%

Tax Assessment & Valuation

Source: Franklin County assessment roll, as of July 1, 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	$4,765.00 (-24.33%) Homeowner's exemption Disabled Person's exemption	$553,416 (-17.02%) Land $65,000 Building $488,416	$553,416 (-17.02%) Land $65,000 Building $488,416
2024	$6,297.00 (+879.32%)	$666,887 (+925.98%) Land $65,000 Building $601,887	$666,887 (+925.98%) Land $65,000 Building $601,887
2023	$643.00 (-2.13%)	$65,000 (-) Land $65,000	$65,000 (-) Land $65,000
2022	$657.00	$65,000 Land $65,000	$65,000 Land $65,000

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	10.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 133 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	171 units insured incl. 38 condo units
Nearby Flood Claims	359 (1979–2024)
Claims Outside the SFHA	6 of 359
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Dennis, Jul 2005 · 79 claims Hurricane Kate, Nov 1985 · 84 claims Hurricane Elena, Sep 1985 · 72 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	High above 89% of the US · above 83% of Florida
Wildfire Likelihood	0.9% annual chance
Exposure	Direct 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 System	CITY OF CARRABELLE WATER SYSTEM serves 3,690 people · EPA ID FL1190118
Water Source	Groundwater
Last State Inspection	Mar 2025
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	2 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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on White Way

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