Franklin County property record for 3186 Hwy 98 E, Unit C4, Carrabelle, FL 32322
| Property Type | Condominium |
|---|---|
| Details | 3 bd · 3 ba · 2,088 sqft · built 2007 |
| Lot Size | 0.093 acres (4,060 sqft) |
| Owner | Company Name on File |
| Last Sale | $230,000 (Dec 2017) |
| Tax Bill | $3,087 (2025) |
| Deeds & Mortgages | Dec 2017 Sale & Mortgage Mar 2017 Sale |
| Flood Zone | Zone VE (high risk) |
| APN | 04-07S-03W-1000-000C-0040 |
| Primary APN | 04-07S-03W-1000-000C-0040 |
|---|---|
| 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 | 4,060 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 | C-4 HIGHWAY 98 E |
|---|---|
| City | ST JAMES |
| State | FL |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Legal Description | BUNGALOWS BY THE GULF BUILDING C UNIT #4 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 1123/278 1156/64 1186/559 1208/320 |
| Legal Range | 03W |
| Legal Township | 07S |
| Legal Section | 04 |
| Legal Subdivision | BUNGALOWS BY THE GULF BUILDING |
| Legal Unit | 4 |
| Jurisdiction | FRANKLIN FL |
| Township / Civil Division | CARRABELLE |
| Census Block Group | 2 |
| Census Block | 2076 |
| Census Tract | 970102 |
3186 Hwy 98 E, Unit C4, a condominium, is owned by a company that bought it in December 2017.
Source: Franklin County records, as of April 13, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 3700 NW 91ST ST, B200, GAINESVILLE, FL 32606-7351 |
| Owner Type | Company |
| Vesting | Limited Liability Company |
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 |
|---|---|
| Dec 21, 2017 | Warranty Deed, Transfer · Conventional Mortgage FLORIDA CU |
| Mar 1, 2017 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 21, 2017 · Amount on File |
| Deed Sale | Dec 21, 2017 · Amount on File |
| Prior Sale | Mar 1, 2017 · Amount on File |
| Deed Document Number | 20176364 |
| Deed Book / Page | 1208 / 320 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FRANKLIN FL |
| Recording Date | Dec 21, 2017 |
| Property Address | 3186 HIGHWAY 98 E UNIT C4, C4, CARRABELLE, FL 32322-8022 |
| Document Number | 0019006364 |
| Book / Page | 001208 / 000320 |
| Instrument Date | Dec 15, 2017 |
| Instrument | 19006364 |
| Transaction Type | Transfer |
| Record Updated | Jan 4, 2018 |
| Title Company | TALLAHASSEE TITLE GROUP LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,610.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 3700 NW 91ST ST #B200 GAINESVILLE FL 326067351, B200, GAINESVILLE, FL 32606-7351 |
| Document Number | 19006365 |
|---|---|
| Date | Dec 21, 2017 |
| Book Page | 001208/000322 |
| Instrument | 19006365 |
| Name | FLORIDA CU |
|---|---|
| Type | Credit Union |
| Address | GAINESVILLE, FL 32627 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Dec 20, 2037 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FRANKLIN FL |
| Recording Date | Mar 1, 2017 |
| Property Address | 3186 HIGHWAY 98 E UNIT C4, C4, CARRABELLE, FL 32322-8022 |
| Document Number | 0019000869 |
| Book / Page | 001186 / 000559 |
| Instrument Date | Feb 24, 2017 |
| Instrument | 19000869 |
| Transaction Type | Transfer |
| Record Updated | Mar 9, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $1,575.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 167 PELHAM GA 317790167, PELHAM, GA 31779-0167 |
The 2025 property tax bill for 3186 Hwy 98 E, Unit C4 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 C4 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 C4 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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