3186 Hwy 98 E, Unit E3, Carrabelle, FL 32322 Property Records

Franklin County property record for 3186 Hwy 98 E, Unit E3, Carrabelle, FL 32322

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,160 sqft · built 2007
Owner	Individual Name on File
Tax Bill	$2,264 (2025)
Deeds & Mortgages	Mar 2021 Sale & Line of Credit Mar 2021 Sale + 4 more
Flood Zone	Zone VE (high risk)
APN	`04-07S-03W-1000-000E-0030`

Property Details

APN / Parcel Number

Primary APN	`04-07S-03W-1000-000E-0030`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,160 sqft Heated Area
Gross Area	1,440 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	280 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	3186 HIGHWAY 98 E UNIT E3, E3
City	CARRABELLE
State	FL
Zip	32322-8024
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	BUNGALOWS BY THE GULF BUILDING E UNIT #3 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	3
Jurisdiction	FRANKLIN FL
Township / Civil Division	CARRABELLE
Census Block Group	2
Census Block	2076
Census Tract	970102

Owner

3186 Hwy 98 E, Unit E3 is owned by an individual who acquired it in March 2021.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	618 FOLKLORE AVE, LONGMONT, CO 80504-2374
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

Date	Document
Mar 10, 2021	Warranty Deed, Transfer · Line of Credit CENTENNIAL BANK
Mar 11, 2021	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Feb 14, 2019	Quit Claim Deed, Transfer Quitclaim
Jan 12, 2018	Deed of Trust, Mortgage · Line of Credit CAPITAL CTY BK
Oct 18, 2017	Warranty Deed, Transfer TALLAHASSEE TITLE GROUP LLC
Oct 18, 2017	Quit Claim Deed TALLAHASSEE TITLE GROUP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 11, 2021
Deed Sale	Mar 11, 2021
Prior Sale	Mar 10, 2021 · Amount on File
Deed Document Number	202119001427
Deed Book / Page	1293 / 280
Record Updated	Jun 8, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN FL
Recording Date	Mar 10, 2021
Property Address	3186 HIGHWAY 98 E UNIT E3, E3, CARRABELLE, FL 32322-8024
Document Number	0019001397
Book / Page	1293 / 198
Map Reference	MB 974 PG 352
Instrument Date	Mar 10, 2021
Instrument	202119001397
Transaction Type	Transfer
Record Updated	Jan 6, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,540.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	618 FOLKLORE AVE, LONGMONT, CO 80504-2374

Mortgage

Document Number	0000000200
Date	Mar 10, 2021
Instrument	1293/200

Lender

Name	CENTENNIAL BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	36 Months
Due	Mar 10, 2024

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN FL
Recording Date	Mar 11, 2021
Property Address	3186 HIGHWAY 98 E UNIT E3, E3, CARRABELLE, FL 32322-8024
Document Number	0019001427
Book / Page	1293 / 280
Map Reference	MB 956 PG 68
Instrument Date	Mar 10, 2021
Instrument	202119001427
Transaction Type	Transfer
Record Updated	Jan 6, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	618 FOLKLORE AVE, LONGMONT, CO 80504-2374

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN FL
Recording Date	Feb 14, 2019
Property Address	3186 HIGHWAY 98 E UNIT E3, E3, CARRABELLE, FL 32322-8024
Document Number	0019000606
Book / Page	001235 / 000415
Instrument Date	Feb 1, 2019
Instrument	19000606
Transaction Type	Transfer
Record Updated	Mar 12, 2019

Transaction

Amount	Amount on Record
Tax	$0.70
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	129 FRANKLIN ST CARRABELLE FL 323223520, CARRABELLE, FL 32322-3520

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN FL
Property Address	3186 HIGHWAY 98 E UNIT E3, E3, CARRABELLE, FL 32322-8024
Document Number	0019000301
Book / Page	001210 / 000283
Instrument Date	Jan 12, 2018
Transaction Type	Mortgage
Record Updated	Feb 16, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	3186 E98 #E3 CARRABELLE FL 32322, E3, CARRABELLE, FL 32322

Mortgage

Document Number	0019000301
Date	Jan 22, 2018
Book Page	001210/000283
Instrument	19000301

Lender

Name	CAPITAL CTY BK
Type	Bank
Address	TALLAHASSEE, FL 32302

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN FL
Recording Date	Oct 18, 2017
Property Address	3186 HIGHWAY 98 E UNIT E3, E3, CARRABELLE, FL 32322-8024
Document Number	0019005322
Book / Page	001204 / 000408
Instrument Date	Oct 13, 2017
Instrument	19005322
Transaction Type	Transfer
Record Updated	Nov 2, 2017
Title Company	TALLAHASSEE TITLE GROUP LLC

Transaction

Amount	Amount on Record
Tax	$1,153.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	PO BOX 1343 CARRABELLE FL 323221343, CARRABELLE, FL 32322-1343

October 2017: Quit Claim Deed

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN FL
Recording Date	Oct 18, 2017
Property Address	3186 HIGHWAY 98 E UNIT E3, E3, CARRABELLE, FL 32322-8024
Document Number	0019005320
Book / Page	001204 / 000403
Instrument Date	Oct 9, 2017
Instrument	19005320
Record Updated	Nov 2, 2017
Title Company	TALLAHASSEE TITLE GROUP LLC

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4307 STEIN AVE MOBILE AL 366082017, MOBILE, AL 36608-2017

Tax Assessment & Valuation

The 2025 property tax bill for 3186 Hwy 98 E, Unit E3 was $2,264, up 3% 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	$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.

Flood

FEMA maps place 3186 Hwy 98 E, Unit E3 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 E3 is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 95% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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

Cell Coverage

5G (outdoors only) and 4G LTE

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