3186 Hwy 98 E, Unit D4, Carrabelle, FL 32322 Property Records

Franklin County property record for 3186 Hwy 98 E, Unit D4, Carrabelle, FL 32322

Property Summary

Property Type	Condominium
Details	3 bd · 3 ba · 2,088 sqft · built 2007
Owner	2 Individual Names on File
Last Sale	$235,000 (Mar 2019)
Tax Bill	$3,087 (2025)
Deeds & Mortgages	Mar 2019 Sale
Flood Zone	Zone VE (high risk)
APN	`04-07S-03W-1000-000D-0040`

Property Details

APN / Parcel Number

Primary APN	`04-07S-03W-1000-000D-0040`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,088 sqft Heated Area
Gross Area	2,496 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Metal
Porch	Open Porch
Porch Area	408 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	3186 HIGHWAY 98 E UNIT D4, D4
City	CARRABELLE
State	FL
Zip	32322-8024
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	BUNGALOWS BY THE GULF BUILDING D UNIT #4 OR 11/48 70/561 163/621 178/621 302/135 335/93 693/377 693/379 705/138 736/574 765/4
Legal Subdivision	BUNGALOWS/GULF
Legal Unit	4
Jurisdiction	FRANKLIN FL
Township / Civil Division	CARRABELLE
Census Block Group	2
Census Block	2076
Census Tract	970102

Owner

3186 Hwy 98 E, Unit D4 is owned by two individuals who bought it in March 2019.

Source: Franklin County records, as of January 5, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1299 SURRENDER CT, AMELIA, OH 45102-1640
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 5, 2019 · Amount on File
Deed Sale	Mar 5, 2019 · Amount on File
Prior Sale	Aug 1, 2014 · Amount on File
Deed Document Number	201919000936
Deed Book / Page	1236 / 690
Record Updated	Jun 8, 2026

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN FL
Recording Date	Mar 5, 2019
Property Address	3186 HIGHWAY 98 E UNIT D4, D4, CARRABELLE, FL 32322-8024
Document Number	0019000936
Book / Page	001236 / 000690
Instrument Date	Mar 1, 2019
Instrument	19000936
Transaction Type	Transfer
Record Updated	Mar 27, 2019
Title Company	TALLAHASSEE TITLE GROUP LLC, TALLAHASSEE TITLE GRP LLC

Transaction

Amount	Amount on Record
Tax	$1,645.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1299 SURRENDER CT AMELIA OH 451021640, AMELIA, OH 45102-1640

Tax Assessment & Valuation

The 2025 property tax bill for 3186 Hwy 98 E, Unit D4 was $3,087, up 3.9% from the year before.

Source: Franklin County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Franklin County
Unified School District	Franklin County School District (PK - 12)

Tax Bill & Assessment History

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.

Flood

FEMA maps place 3186 Hwy 98 E, Unit D4 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	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

Wildfire risk around 3186 Hwy 98 E, Unit D4 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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