Franklin County property record for 3186 Hwy 98 E, Unit A2, Carrabelle, FL 32322
| Property Type | Condominium |
|---|---|
| Details | 3 bd · 3 ba · 2,088 sqft · built 2007 |
| Lot Size | 0.093 acres (4,071 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $240,000 (May 2020) |
| Tax Bill | $3,087 (2025) |
| Deeds & Mortgages | Apr 2024 Transfer May 2020 Sale & Line of Credit + 2 more |
| Flood Zone | Zone VE (high risk) |
| APN | 04-07S-03W-1000-000A-0020 |
| Primary APN | 04-07S-03W-1000-000A-0020 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,088 sqft Living Area |
| 1st Floor Area | 2,088 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 | 4,071 sqft (0.093 acres) |
| View / Lot | Bay Front |
| Porch | Finished/Open Porch |
| Porch Area | 408 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | HIGHWAY 98 E |
|---|---|
| City | ST JAMES |
| State | FL |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Legal Description | BUNGALOWS BY THE GULF BUILDING A UNIT #2 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 1125/87 1229/408 1240/788 1266/86 1390/288 |
| Legal Range | 03W |
| Legal Township | 07S |
| Legal Section | 04 |
| Legal Subdivision | BUNGALOWS BY THE GULF BUILDING |
| Legal Unit | 2 |
| Jurisdiction | FRANKLIN FL |
| Township / Civil Division | CARRABELLE |
| Census Block Group | 2 |
| Census Block | 2076 |
| Census Tract | 970102 |
3186 Hwy 98 E, Unit A2, a condominium, is held in a trust since April 2024.
Source: Franklin County records, as of November 26, 2025
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 410 OLYMPIA DR, MARYVILLE, TN 37804-5700 |
| Owner Type | Company |
| Vesting | Trust, Family Living Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 30, 2024 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| May 26, 2020 | Warranty Deed, Transfer · Line of Credit CENTENNIAL BK |
| May 9, 2019 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Oct 16, 2018 | Warranty Deed, Transfer TALLAHASSEE TITLE GROUP LLC, TALLAHASSEE TITLE GRP LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 26, 2020 · Amount on File |
| Deed Sale | May 26, 2020 · Amount on File |
| Prior Sale | Oct 16, 2018 · Amount on File |
| Deed Document Number | 20202118 |
| Deed Book / Page | 1266 / 86 |
| Last Transfer Date | Apr 30, 2024 |
| Transfer Doc | 0019002051 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | FRANKLIN FL |
| Recording Date | Apr 30, 2024 |
| Property Address | 3186 HIGHWAY 98 E UNIT A2, A2, CARRABELLE, FL 32322-8022 |
| Document Number | 0019002051 |
| Book / Page | 1390 / 288 |
| Map Reference | MB 956 PG 68 |
| Instrument Date | Apr 30, 2024 |
| Instrument | 202419002051 |
| Transaction Type | Transfer |
| Record Updated | Jan 6, 2026 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 410 OLYMPIA DR, MARYVILLE, TN 37804-5700 |
| Name | Verified Name |
|---|---|
| Relationship | Family Living Trust |
| Address | 410 OLYMPIA DR, MARYVILLE, TN 37804-5700 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FRANKLIN FL |
| Recording Date | May 26, 2020 |
| Property Address | 3186 HIGHWAY 98 E UNIT A2, A2, CARRABELLE, FL 32322-8022 |
| Document Number | 0001902118 |
| Book / Page | 001266 / 000086 |
| Instrument Date | May 26, 2020 |
| Instrument | 1902118 |
| Transaction Type | Transfer |
| Record Updated | Jun 12, 2020 |
| Title Company | DODD TITLE COMPANY INC, DODD TITLE CO INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,680.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 410 OLYMPIA DR MARYVILLE TN 378045700, MARYVILLE, TN 37804-5700 |
| Document Number | 19002119 |
|---|---|
| Date | May 26, 2020 |
| Book Page | 001266/000088 |
| Instrument | 19002119 |
| Name | CENTENNIAL BK |
|---|---|
| Type | Bank |
| Address | CARRABELLE, FL 32322 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 36 Months |
| Due | May 25, 2023 |
| Rate Type | Adjustable Rate |
|---|
| Document Number | 19002120, |
|---|---|
| Date | May 26, 2020 |
| Book Page | 001266/000097 |
| Instrument | 19002120 |
| Name | ELIAS J E & KELLEY K J TR (RT) |
|---|---|
| Address | PO BOX 772, APALACHICOLA, FL 32329-0772 |
| Amount | Amount on Record |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | FRANKLIN FL |
| Recording Date | May 9, 2019 |
| Property Address | 3186 HIGHWAY 98 E UNIT A2, A2, CARRABELLE, FL 32322-8022 |
| Document Number | 0019002053 |
| Book / Page | 001240 / 000788 |
| Instrument Date | May 7, 2019 |
| Instrument | 19002053 |
| Transaction Type | Transfer |
| Record Updated | Jun 3, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | PO BOX 884 CHEYENNE WY 820030884, CHEYENNE, WY 82003-0884 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FRANKLIN FL |
| Recording Date | Oct 16, 2018 |
| Property Address | 3186 HIGHWAY 98 E UNIT A2, A2, CARRABELLE, FL 32322-8022 |
| Document Number | 0019004958 |
| Book / Page | 001229 / 000408 |
| Instrument Date | Oct 4, 2018 |
| Instrument | 19004958 |
| Transaction Type | Transfer |
| Record Updated | Nov 8, 2018 |
| Title Company | TALLAHASSEE TITLE GROUP LLC, TALLAHASSEE TITLE GRP LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $1,575.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 884 CHEYENNE WY 820030884, CHEYENNE, WY 82003-0884 |
The 2025 property tax bill for 3186 Hwy 98 E, Unit A2 was $3,087, up 3.9% from the year before.
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 | $3,087.00 (+3.94%) | $344,377 (-) Land $1 Building $344,376 | $344,377 (-) Land $1 Building $344,376 |
| 2024 | $2,970.00 (+10.99%) | $344,377 (+22.23%) Land $1 Building $344,376 | $344,377 (+22.23%) Land $1 Building $344,376 |
| 2023 | $2,676.00 (+2.18%) | $281,737 (-) Land $1 Building $281,736 | $281,737 (-) Land $1 Building $281,736 |
| 2022 | $2,619.00 | $281,737 Land $1 Building $281,736 | $281,737 Land $1 Building $281,736 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3186 Hwy 98 E, Unit A2 in Zone VE, a high-risk coastal flood area; flood insurance is required for federally backed loans.
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 File 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.
Wildfire risk around 3186 Hwy 98 E, Unit A2 is high, ranking above 78% of the US, with a 0.5% annual chance of wildfire.
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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