3183 Hwy 98 E, Carrabelle, FL 32322 Property Records

Franklin County property record for 3183 Hwy 98 E, Carrabelle, FL 32322

Property Summary

Property Type	Vacant Land
Lot Size	0.344 acres (15,000 sqft)
Owner	Individual Name on File
Last Sale	$39,000 (Aug 2022)
Tax Bill	$414 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Aug 2022 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`04-07S-03W-3153-000B-0910`

Property Details

APN / Parcel Number

Primary APN	`04-07S-03W-3153-000B-0910`
Alternative APN	`03W07S043153000B0910`

Exterior

Lot Area	15,000 sqft (0.344 acres)

Location & Zoning

Street Address	3183 HIGHWAY 98 E
City	CARRABELLE
State	FL
Zip	32322-8000
Property Category	Vacant Land
Property Type	Vacant Land > Uncategorized
Legal Description	ST JAMES ISLAND PARK UNIT 3 BLOCK B LOT 91 109/231 126/57 641/335 667/789 1124/745 1343/434 1344/563
Legal Range	03W
Legal Township	07S
Legal Section	04
Legal Subdivision	ST JAMES ISLAND PARK
Legal Block	B
Legal Lot Number	91
Legal Unit	3
Jurisdiction	FRANKLIN FL
Township / Civil Division	CARRABELLE
Census Block Group	2
Census Block	2075
Census Tract	970102

Owner

Source: Franklin County records · APN 04-07S-03W-3153-000B-0910

Assessment roll updated November 26, 2025 · Last verified August 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 File
Mailing Address	2854 COASTAL HWY, 4, SAINT AUGUSTINE, FL 32084-2317
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 09, 2022	Warranty Deed, Transfer · Seller Carry-Back KERRIE GANEY
Aug 23, 2022	Re-recorded Document · Seller Carry-Back KERRIE GANEY

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 09, 2022 · Amount on Record
Deed Sale	Aug 09, 2022 · Amount on Record
Prior Sale	Jul 18, 2014 · Amount on Record
Deed Document Number	20224697
Deed Book / Page	1343 / 434
Prior Transfer Date	Aug 01, 2022
Prior Transfer Doc	0019004974
Record Updated	Sep 20, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN FL
Recording Date	Aug 09, 2022
Property Address	3183 HIGHWAY 98 E, CARRABELLE, FL 32322-8000
Document Number	0019004697
Book / Page	1343 / 434
Map Reference	MB 2 PG 6
Instrument Date	Aug 01, 2022
Instrument	202219004697
Transaction Type	Transfer
Record Updated	Jan 06, 2026
Title Company	WAKULLA TITLE COMPANY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$273.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	756 HAWKINS RD, MONTICELLO, FL 32344-6749

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2854 COASTAL HWY APT 4, 4, SAINT AUGUSTINE, FL 32084-2317

Mortgage

Document Number	0000000435
Date	Aug 09, 2022
Instrument	1343/435

Lender

Name	KERRIE GANEY
Type	Seller

Agreement

Type	Seller Carry-Back
Amount	Amount Recorded
Term	61 Months
Due	Sep 01, 2027

August 2022: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	FRANKLIN FL
Recording Date	Aug 23, 2022
Property Address	3183 HIGHWAY 98 E, CARRABELLE, FL 32322-8000
Document Number	0019004974
Book / Page	1344 / 563
Map Reference	MB 2 PG 6
Instrument Date	Aug 01, 2022
Instrument	202219004974
Record Updated	Jan 06, 2026
Title Company	WAKULLA TITLE COMPANY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$273.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	756 HAWKINS RD, MONTICELLO, FL 32344-6749

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2854 COASTAL HWY APT 4, 4, SAINT AUGUSTINE, FL 32084-2317

Mortgage

Document Number	0000000564
Date	Aug 23, 2022
Instrument	1344/564

Lender

Name	KERRIE GANEY
Type	Seller

Agreement

Type	Seller Carry-Back
Amount	Amount Recorded
Term	61 Months
Due	Sep 01, 2027

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Franklin County
Unified School District	Franklin 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$414.00 (+22.85%)	$50,000 (+42.86%) Land $50,000	$50,000 (+42.86%) Land $50,000
2024	$337.00 (-15.54%)	$35,000 (-12.5%) Land $35,000	$35,000 (-12.5%) Land $35,000
2023	$399.00 (+25.47%)	$40,000 (-) Land $40,000	$40,000 (-) Land $40,000
2022	$318.00	$40,000 Land $40,000	$40,000 Land $40,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of April 23, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
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

Wildfire

Wildfire Risk	High above 78% of the US · above 67% of Florida
Wildfire Likelihood	0.5% annual chance
Exposure	Direct 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 as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Consolidated Communications DSL	50 / 10
Verizon Fixed Wireless	25 / 6
AT&T Fixed Wireless	25 / 3

Based on FCC filings for 18 locations within half a mile of this property.

Nearby Properties on Hwy 98 E

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures