3146 Hwy 98 E, Carrabelle, FL 32322 Property Records

Franklin County property record for 3146 Hwy 98 E, Carrabelle, FL 32322

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,748 sqft · built 2012
Lot Size	0.164 acres (7,150 sqft)
Owner	2 Individual Names on Record
Last Sale	$478,000 (Nov 2020)
Tax Bill	$5,942 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Nov 2020 Sale + 2 more
Flood Zone	Zone VE (high risk)
APN	`04-07S-03W-3153-000C-0820`

Property Details

APN / Parcel Number

Primary APN	`04-07S-03W-3153-000C-0820`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	1,748 sqft Heated Area
Gross Area	2,254 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2012
Exterior Material	Fiber Cement Siding
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	7,150 sqft
Garage Area	520 sqft
Porch	Porch
Porch Area	866 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	3146 HIGHWAY 98 E
City	CARRABELLE
State	FL
Zip	32322-8064
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	UNIT 3 BL C LOT 82 ST JAMES ISLAND PARK OR 100/574 113/234 118/363 143/623 159/71 229/601 510/154 566/426 637/417 652/414 735
Legal Range	03W
Legal Township	07S
Legal Section	04
Legal Subdivision	ST JAMES ISLAND PARKS
Legal Block	C
Legal Lot Number	82 83
Legal Unit	3
Jurisdiction	FRANKLIN FL
Township / Civil Division	CARRABELLE
Census Block Group	2
Census Block	2076
Census Tract	970102

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	2 Individual Names on Record
Mailing Address	545 HAYNES HOLLOW RD, WINCHESTER, TN 37398-4145
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK
Nov 23, 2020	Warranty Deed, Transfer ATTORNEY ONLY
Apr 8, 2019	Loan Modification, Mortgage CENTENNIAL BK
Nov 2, 2018	Deed of Trust, Mortgage · Conventional Mortgage US SMALL BUSINESS ADMINISTRATI

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 23, 2020 · Amount on Record
Deed Sale	Nov 23, 2020 · Amount on Record
Prior Sale	Nov 24, 2010 · Amount on Record
Deed Document Number	202019005647
Deed Book / Page	1283 / 10
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN FL
Property Address	3146 HIGHWAY 98 E, CARRABELLE, FL 32322-8064
Transaction Type	Mortgage
Record Updated	Jan 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	545 HAYNES HOLLOW RD, WINCHESTER, TN 37398-4145
Investor	Possibly a Property Investor

Mortgage

Document Number	0019003506
Date	Jun 2, 2021
Book Page	1303/338
Instrument	202119003506

Lender

Name	REGIONS BANK
Type	Bank
Address	CLIFTON HILL, MO 65244

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN FL
Recording Date	Nov 23, 2020
Property Address	3146 HIGHWAY 98 E, CARRABELLE, FL 32322-8064
Document Number	0019005647
Book / Page	001283 / 000010
Instrument Date	Nov 20, 2020
Instrument	19005647
Transaction Type	Transfer
Record Updated	Dec 14, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	545 HAYNES HOLLOW RD WINCHESTER TN 373984145, WINCHESTER, TN 37398-4145

April 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	FRANKLIN FL
Property Address	3146 HIGHWAY 98 E, CARRABELLE, FL 32322-8064
Document Number	0019001666
Instrument Date	Apr 8, 2019
Transaction Type	Mortgage
Record Updated	May 14, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3146 HIGHWAY 98 E CARRABELLE FL 323228064, CARRABELLE, FL 32322-8064

Mortgage

Document Number	0019001666
Date	Apr 18, 2019
Book Page	001239/000500
Instrument	19001666

Lender

Name	CENTENNIAL BK
Type	Bank
Address	CARRABELLE, FL 32322

Agreement

Term	60 Months
Due	Apr 17, 2024

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN FL
Property Address	3146 HIGHWAY 98 E, CARRABELLE, FL 32322-8064
Document Number	0019005617
Instrument Date	Nov 2, 2018
Transaction Type	Mortgage
Record Updated	Jan 3, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3146 HIGHWAY 98 E CARRABELLE FL 323228064, CARRABELLE, FL 32322-8064

Mortgage

Document Number	0019005617
Date	Dec 6, 2018
Book Page	001231/000729
Instrument	19005617

Lender

Name	US SMALL BUSINESS ADMINISTRATI
Address	BIRMINGHAM, AL 35203

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 5, 2033

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	$5,942.00 (+0.29%)	$636,429 (-1.16%) Land $112,500 Building $523,929	$636,429 (-1.16%) Land $112,500 Building $523,929
2024	$5,925.00 (+7.92%)	$643,887 (+15.34%) Land $112,500 Building $531,387	$643,887 (+15.34%) Land $112,500 Building $531,387
2023	$5,490.00 (+2.79%)	$558,235 (+5.54%) Land $90,000 Building $468,235	$558,235 (+5.54%) Land $90,000 Building $468,235
2022	$5,341.00	$528,914 Land $90,000 Building $438,914	$528,914 Land $90,000 Building $438,914

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 Zone	Zone VE high risk · coastal, wave action
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	18.0 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	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 Risk	Low lower than 95% of the US · lower than 95% of Florida
Wildfire Likelihood	Under 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	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 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

Cell Coverage

5G (outdoors only) and 4G LTE

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