321 Smith Rd, Apalachicola, FL 32320 Property Records

Franklin County property record for 321 Smith Rd, Apalachicola, FL 32320

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,846 sqft · built 2000
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on Record
Last Sale	$260,000 (Jun 2015)
Tax Bill	$3,447 (2025)
Deeds & Mortgages	May 2022 Transfer May 2021 Mortgage
Flood Zone	Zone AE (high risk)
APN	`35-08S-08W-0000-0100-0010`

Property Details

APN / Parcel Number

Primary APN	`35-08S-08W-0000-0100-0010`
Alternative APN	`08W08S35000001000010`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,846 sqft Living Area
Gross Area	3,286 sqft
1st Floor Area	2,846 sqft
Utility Area	252 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Bungalow
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Garage Area	440 sqft
Driveway	Asphalt Driveway
Driveway Area	2,490 sqft

Exterior Amenities

Porch	Unfinished Open Porch
Porch Area	1,584 sqft
Patio Area	44 sqft
Shed	1 Shed
Total Buildings	3 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	321 SMITH RD
City	APALACHICOLA
State	FL
Zip	32320-1021
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	A PARCEL KNOWN AS LOT 5 856/51 867/54 542/121 604/465 634/346 1046/669 LESS AND 1129/565 1146/83 1337/390
Legal Range	08W
Legal Township	08S
Legal Section	35
Legal Subdivision	MITCHELL CRK
Legal Lot Number	5
Jurisdiction	FRANKLIN FL
Township / Civil Division	APALACHICOLA
Census Block Group	1
Census Block	1043
Census Tract	970302

Owner

Source: Franklin County records, as of November 26, 2025

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	321 SMITH RD, APALACHICOLA, FL 32320-1021
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 31, 2022	Quit Claim Deed, Transfer ACCOMODATION, ACCOMMODATION
May 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 9, 2015 · Amount on Record
Deed Sale	Jun 9, 2015 · Amount on Record
Prior Sale	Sep 23, 2014 · Amount on Record
Deed Document Number	20152816
Deed Book / Page	1146 / 83
Last Transfer Date	May 26, 2022
Transfer Doc	0019003317
Record Updated	Sep 20, 2026

May 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN FL
Recording Date	May 31, 2022
Property Address	321 SMITH RD, APALACHICOLA, FL 32320-1021
Document Number	0019003317
Book / Page	1337 / 390
Instrument Date	May 26, 2022
Instrument	202219003317
Transaction Type	Transfer
Record Updated	Jun 30, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 SMITH RD, APALACHICOLA, FL 32320

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN FL
Property Address	321 SMITH RD, APALACHICOLA, FL 32320-1021
Transaction Type	Mortgage
Record Updated	Jun 16, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0019003166
Date	May 19, 2021
Book Page	1301/468
Instrument	202119003166

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	352 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

Source: Franklin County assessment roll, as of November 26, 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	$3,447.00 (+1.77%) Homeowner's exemption	$400,672 (+2.75%)	$550,449 (-0.45%) Land $123,500 Building $426,949
2024	$3,387.00 (-0.79%) Homeowner's exemption	$389,951 (+2.84%)	$552,955 (+16.68%) Land $123,500 Building $429,455
2023	$3,414.00 (+0.38%) Homeowner's exemption	$379,184 (+2.84%)	$473,900 (+20.35%) Land $123,500 Building $350,400
2022	$3,401.00 Homeowner's exemption	$368,730	$393,770 Land $123,500 Building $270,270

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective April 23, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	9.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 60 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	60 in force
Nearby Flood Claims	83 (1985–2019)
Claims Outside the SFHA	3 of 83
Most Recent Claim	Oct 2019 · other causes
Claims by Event	Hurricane Michael, Oct 2018 · 15 claims Hurricane Dennis, Jul 2005 · 15 claims Hurricane Opal, Oct 1995 · 10 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

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

Wildfire Risk	Very High above 91% of the US · above 86% of Florida
Wildfire Likelihood	1% annual chance
Exposure	Direct burnable vegetation

Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.

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 APALACHICOLA serves 5,235 people · EPA ID FL1190150
Water Source	Groundwater
Last State Inspection	Mar 2025
Lead	3 ppb (2023) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	Total trihalomethanes not recorded as resolved · Apr 2022
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Fidium Fiber Fiber	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50
Starlink Satellite	280 / 30

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