Franklin County property record for 3101 Hwy 98 E, Carrabelle, FL 32322
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 924 sqft · built 1950 |
| Lot Size | 0.341 acres (14,858 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $151,000 (Jun 2019) |
| Tax Bill | $1,421 (2025) |
| Deeds & Mortgages | Jun 2022 Line of Credit Jun 2019 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 04-07S-03W-3153-000B-0731 |
| Primary APN | 04-07S-03W-3153-000B-0731 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 924 sqft Heated Area |
| Gross Area | 1,248 sqft |
| Flooring | Softwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1950 |
|---|---|
| Exterior Material | Fiber Cement Siding |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 14,858 sqft |
| Porch | Open Porch |
|---|---|
| Porch Area | 324 sqft |
| Deck Area | 80 sqft |
| Shed | 1 Shed |
| Shed Area | 150 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 3101 HIGHWAY 98 E |
|---|---|
| City | CARRABELLE |
| State | FL |
| Zip | 32322-8000 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | UNIT 2 BL B LOT 73 ST JAMES ISLAND PARK OR 161/136 175/503-04 232/186 235/186 436/159 555/113 588/691(CORR DEED) 734/519 1244 |
| Legal Range | 03W |
| Legal Township | 07S |
| Legal Section | 04 |
| Legal Subdivision | STJAMES ISLAND PARK |
| Legal Block | B |
| Legal Lot Number | 73 |
| Legal Unit | 2 |
| Jurisdiction | FRANKLIN FL |
| Township / Civil Division | CARRABELLE |
| Census Block Group | 2 |
| Census Block | 2075 |
| Census Tract | 970102 |
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 |
|---|---|
| Mailing Address | 121 HIGH DR, CRAWFORDVILLE, FL 32327-2034 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 3, 2022 | Deed of Trust, Mortgage · Line of Credit FIRST COMMERCE CU |
| Jun 24, 2019 | Warranty Deed, Transfer · FHA Mortgage INTERCONTINENTAL CAP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 24, 2019 · Amount on Record |
| Deed Sale | Jun 24, 2019 · Amount on Record |
| Prior Sale | Apr 22, 2003 · Amount on Record |
| Deed Document Number | 201919002868 |
| Deed Book / Page | 1244 / 291 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN FL |
| Property Address | 3101 HIGHWAY 98 E, CARRABELLE, FL 32322-8000 |
| Transaction Type | Mortgage |
| Record Updated | Jan 6, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3101 HIGHWAY 98 E, CARRABELLE, FL 32322-8000 |
| Document Number | 0019003403 |
|---|---|
| Date | Jun 3, 2022 |
| Book Page | 1337/717 |
| Instrument | 202219003403 |
| Name | FIRST COMMERCE CU |
|---|---|
| Type | Credit Union |
| Address | TALLAHASSEE, FL 32314 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | May 10, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FRANKLIN FL |
| Recording Date | Jun 24, 2019 |
| Property Address | 3101 HIGHWAY 98 E, CARRABELLE, FL 32322-8000 |
| Document Number | 0019002868 |
| Book / Page | 001244 / 000291 |
| Instrument Date | Jun 18, 2019 |
| Instrument | 19002868 |
| Transaction Type | Transfer |
| Record Updated | Jul 16, 2019 |
| Title Company | NATIONWIDE TITLE CLEARING INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,057.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3101 HIGHWAY 98 E CARRABELLE FL 323228000, CARRABELLE, FL 32322-8000 |
| Document Number | 19002869 |
|---|---|
| Date | Jun 24, 2019 |
| Book Page | 001244/000293 |
| Instrument | 19002869 |
| Name | INTERCONTINENTAL CAP |
|---|---|
| Type | Funding / Finance Company |
| Address | MELVILLE, NY 11747 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 23, 2049 |
Source: Franklin County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Franklin County |
| Unified School District | Franklin County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,421.00 (+8.47%) | $150,384 (+10.11%) Land $50,000 Building $100,384 | $150,384 (+10.11%) Land $50,000 Building $100,384 |
| 2024 | $1,310.00 (+6.68%) | $136,576 (+12.94%) Land $35,000 Building $101,576 | $136,576 (+12.94%) Land $35,000 Building $101,576 |
| 2023 | $1,228.00 (+151.64%) | $120,926 (+46.39%) Land $40,000 Building $80,926 | $120,926 (+21.21%) Land $40,000 Building $80,926 |
| 2022 | $488.00 Homeowner's exemption | $82,605 | $99,766 Land $40,000 Building $59,766 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 16.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 293 individual policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 329 units insured incl. 36 condo units |
| Nearby Flood Claims | 72 (2005–2024) |
| Most Recent Claim | Sep 2024 · Hurricane Helene |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 56% of the US · lower than 72% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 18 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Fidium Fiber DSL | 50 / 10 |
| Verizon Fixed Wireless | 25 / 6 |
| AT&T Fixed Wireless | 25 / 3 |
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