Franklin County property record for 3186 Hwy 98 E, Carrabelle, FL 32322
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 2 ba · 1,160 sqft · built 2007 |
| Lot Size | 0.092 acres (4,017 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $340,000 (May 2026) |
| Tax Bill | $2,264 (2025) |
| Deeds & Mortgages | May 2026 Sale Oct 2020 Line of Credit + 2 more |
| Flood Zone | Zone VE (high risk) |
| APN | 04-07S-03W-1000-000D-0030 |
| Primary APN | 04-07S-03W-1000-000D-0030 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,160 sqft Living Area |
| 1st Floor Area | 1,160 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Architectural Style | Condo/Apartment |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 4,017 sqft (0.092 acres) |
| View / Lot | Bay Front |
| Porch | Finished/Open Porch |
| Porch Area | 280 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3186 HIGHWAY 98 E |
|---|---|
| City | CARRABELLE |
| State | FL |
| Zip | 32322-8021 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Legal Description | BUNGALOWS BY THE GULF BUILDING D UNIT #3 OR 11/48 70/561 163/621 178/621 302/135 335/93 693/377 693/379 705/138 736/574 765/402 822/535 1114/107 1118/224 1126/395 1210/36 1299/786 1335/688 |
| Legal Range | 03W |
| Legal Township | 07S |
| Legal Section | 04 |
| Legal Subdivision | BUNGALOWS BY THE GULF BUILDING |
| Legal Unit | 3 |
| Jurisdiction | FRANKLIN FL |
| Township / Civil Division | CARRABELLE |
| Census Block Group | 2 |
| Census Block | 2076 |
| Census Tract | 970102 |
Source: Franklin County records, as of May 18, 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 | PO BOX 8, ROANN, IN 46974-0008 |
| Owner Type | Individual |
| Vesting | Single Man |
| Date | Document |
|---|---|
| May 5, 2026 | Warranty Deed, Transfer NONE LISTED ON DOCUMENT |
| Oct 7, 2020 | Deed of Trust, Mortgage · Line of Credit PRIME MERIDIAN BANK |
| May 7, 2021 | Warranty Deed, Transfer · Line of Credit FLORIDA STATE UNIVERSITY CU |
| Jan 16, 2018 | Warranty Deed, Transfer · Line of Credit PRIME MERIDIAN BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 5, 2026 · Amount on Record |
| Deed Sale | May 5, 2026 · Amount on Record |
| Prior Sale | May 16, 2022 · Amount on Record |
| Deed Document Number | 20262027 |
| Deed Book / Page | 1444 / 134 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FRANKLIN FL |
| Recording Date | May 5, 2026 |
| Property Address | 3186 HIGHWAY 98 E, CARRABELLE, FL 32322-8021 |
| Document Number | 0000002027 |
| Book / Page | 1444 / 134 |
| Instrument Date | May 1, 2026 |
| Instrument | 2026.2027 |
| Transaction Type | Transfer |
| Record Updated | May 19, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Tax | $240,380.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN FL |
| Property Address | 3186 HIGHWAY 98 E, CARRABELLE, FL 32322-8021 |
| Transaction Type | Mortgage |
| Record Updated | May 10, 2022 |
| Name | Verified Name |
|---|---|
| Address | 553 FRANK SHAW RD, TALLAHASSEE, FL 32312-1043 |
| Document Number | 0019004702 |
|---|---|
| Date | Oct 7, 2020 |
| Book Page | 1278/335 |
| Instrument | 202019004702 |
| Name | PRIME MERIDIAN BANK |
|---|---|
| Type | Bank |
| Address | TALLAHASSEE, FL 32312 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FRANKLIN FL |
| Recording Date | May 7, 2021 |
| Property Address | 3186 HIGHWAY 98 E, CARRABELLE, FL 32322-8021 |
| Document Number | 0019002871 |
| Book / Page | 1299 / 786 |
| Map Reference | MB 974 PG 352 |
| Instrument Date | May 5, 2021 |
| Instrument | 202119002871 |
| Transaction Type | Transfer |
| Record Updated | Jan 6, 2026 |
| Title Company | OWEN TITLE COMPANY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,645.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 553 FRANK SHAW RD, TALLAHASSEE, FL 32312-1043 |
| Name | Verified Name |
|---|---|
| Address | 14120 NW 15TH LN, GAINESVILLE, FL 32606-5200 |
| Document Number | 0000000787 |
|---|---|
| Date | May 7, 2021 |
| Instrument | 1299/787 |
| Name | FLORIDA STATE UNIVERSITY CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | May 5, 2036 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FRANKLIN FL |
| Recording Date | Jan 16, 2018 |
| Property Address | 3186 HIGHWAY 98 E, CARRABELLE, FL 32322-8021 |
| Document Number | 0019000213 |
| Book / Page | 1210 / 036 |
| Map Reference | MB974 PG352 |
| Instrument Date | Jan 10, 2018 |
| Instrument | 201819000213 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2022 |
| Title Company | OWEN TITLE CO INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,176.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1031 CROTWELL RD, 1031, LEESBURG, GA 31763-4121 |
| Name | Verified Name |
|---|---|
| Address | 553 FRANK SHAW RD, TALLAHASSEE, FL 32312-1043 |
| Document Number | 0019000214 |
|---|---|
| Date | Jan 16, 2018 |
| Instrument | 201819000214 |
| Name | PRIME MERIDIAN BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2048 |
Source: Franklin County assessment roll, as of November 26, 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 | $2,264.00 (+3%) | $239,201 (-) Land $1 Building $239,200 | $239,201 (-) Land $1 Building $239,200 |
| 2024 | $2,198.00 (+9.24%) | $239,201 (+18.77%) Land $1 Building $239,200 | $239,201 (+18.77%) Land $1 Building $239,200 |
| 2023 | $2,012.00 (-2.52%) | $201,401 (-) Land $1 Building $201,400 | $201,401 (-) Land $1 Building $201,400 |
| 2022 | $2,064.00 | $201,401 Land $1 Building $201,400 | $201,401 Land $1 Building $201,400 |
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 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 |
|
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 | High above 78% of the US · above 67% of Florida |
|---|---|
| Wildfire Likelihood | 0.5% annual chance |
| Exposure | Direct burnable vegetation |
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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