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3170 Hwy 98 E, Carrabelle, FL 32322 Property Records

Franklin County property record for 3170 Hwy 98 E, Carrabelle, FL 32322

Property Summary

Property TypeSingle Family Home
Details1 ba · 914 sqft · built 1986
Lot Size0.127 acres (5,513 sqft)
OwnerIndividual Name on Record
Last Sale$185,000 (Sep 2011)
Tax Bill$1,288 (2025)
Deeds & MortgagesSep 2018 Mortgage
Flood ZoneZone VE (high risk)
APN04-07S-03W-3153-000C-0880

Property Details

APN / Parcel Number

Primary APN04-07S-03W-3153-000C-0880
Alternative APN
  • 03W07S043153000C0880

Interior

Full Baths1 Bath
Stories1 Story
Building Area914 sqft Living Area
Gross Area978 sqft
1st Floor Area914 sqft
FlooringVinyl/Resilient
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1986
Effective Year BuiltEffective 1986
Architectural StyleBungalow
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area5,513 sqft (0.127 acres)

Exterior Amenities

PorchFinished Screened Porch
Porch Area545 sqft
Shed1 Shed
Shed Area289 sqft

Utilities, Heating & Cooling

Cooling SystemNone
Heating SystemForced Air with A/C

Location & Zoning

Street Address3170 HIGHWAY 98 E
CityCARRABELLE
StateFL
Zip32322-8064
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionUNIT 3 BL C W 1/2 LOT 88 ST JAMES ISL PRK OR 123/264 OR 147/15 OR/155/495 OR/165/368 OR 292/199 830/481 905/118 975/406 1006/650 1044/503
Legal Range03W
Legal Township07S
Legal Section04
Legal SubdivisionST JAMES ISLAND PRK
Legal BlockC
Legal Lot Number88
Legal Unit3
JurisdictionFRANKLIN FL
Township / Civil DivisionCARRABELLE
Census Block Group2
Census Block2076
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 Address1550 CLARENDON BLVD, 502, ARLINGTON, VA 22209-2792
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleSep 6, 2011 · Amount on Record
Deed SaleSep 6, 2011 · Amount on Record
Prior SaleMar 4, 2010 · Amount on Record
Deed Document Number201114863
Deed Book / Page1044 / 503
Prior Transfer DateSep 17, 2008
Prior Transfer Doc0019005921
Record UpdatedJun 8, 2026

September 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionFRANKLIN FL
Property Address3170 HIGHWAY 98 E, CARRABELLE, FL 32322-8064
Document Number0019004880
Instrument DateSep 18, 2018
Transaction TypeMortgage
Record UpdatedOct 29, 2018
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address4240 PORT MORESBY PL DULLES VA 201894239, DULLES, VA 20189-4239

Mortgage

Document Number0019004880
DateOct 4, 2018
Book Page001229/000138
Instrument19004880
Lender
NameUSAA
AddressSAN ANTONIO, TX 78288-0544
Agreement
AmountAmount Recorded
Term180 Months
DueOct 3, 2033

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$1,288.00 (+3.62%)$140,735 (-0.53%) Land $56,250 Building $84,485$140,735 (-0.53%) Land $56,250 Building $84,485
2024$1,243.00 (+8.84%)$141,480 (+17.65%) Land $56,250 Building $85,230$141,480 (+17.65%) Land $56,250 Building $85,230
2023$1,142.00 (+3.91%)$120,253 (+4.13%) Land $45,000 Building $75,253$120,253 (+4.13%) Land $45,000 Building $75,253
2022$1,099.00$115,488 Land $45,000 Building $70,488$115,488 Land $45,000 Building $70,488

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 VE
high risk · coastal, wave action
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation18.0 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 RiskLow
lower than 95% of the US · lower than 95% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 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 18 locations within half a mile, as of December 31, 2025

ProviderMax 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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