340 Royal Tern Ct, Carrabelle, FL 32322 Property Records

Franklin County property record for 340 Royal Tern Ct, Carrabelle, FL 32322

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,817 sqft
Lot Size	0.206 acres (8,982 sqft)
Owner	Individual Name on Record
Last Sale	$399,000 (Dec 2022)
Tax Bill	$259 (2025)
Deeds & Mortgages	Dec 2022 Sale & Mortgage Mar 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-07S-03W-1001-000E-0180`

Property Details

APN / Parcel Number

Primary APN	`05-07S-03W-1001-000E-0180`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,817 sqft Heated Area
Gross Area	2,615 sqft
Interior Walls	Wallboard/Drywall

Exterior

Exterior Material	Fiber Cement Siding
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	8,982 sqft
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	340 ROYAL TERN CT
City	CARRABELLE
State	FL
Zip	32322-8031
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ST JAMES BAY PHASE II PB 8/23 BLOCK E LOT 18 OR 1200/231 1329/685 1353/344
Legal Range	03W
Legal Township	07S
Legal Section	05
Legal Subdivision	ST JAMES BAY
Legal Phase	2
Legal Block	E
Legal Lot Number	18
Jurisdiction	FRANKLIN FL
Township / Civil Division	CARRABELLE
Census Block Group	2
Census Block	2073
Census Tract	970102

Owner

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

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
Co-owner	Co-owner on Record
Mailing Address	340 ROYAL TERN CT, CARRABELLE, FL 32322-8031
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 29, 2022	Warranty Deed, Subdivision Related Transfer · VA Mortgage USAA FSB
Mar 17, 2022	Warranty Deed, Transfer
Aug 17, 2017	Trustee's Deed, Transfer · Line of Credit CENTENNIAL BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 29, 2022 · Amount on Record
Deed Sale	Dec 29, 2022 · Amount on Record
Prior Sale	Mar 17, 2022 · Amount on Record
Deed Document Number	202219007124
Deed Book / Page	1353 / 344
Record Updated	Jun 8, 2026

December 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN FL
Recording Date	Dec 29, 2022
Property Address	340 ROYAL TERN CT, CARRABELLE, FL 32322-8031
Document Number	0019007124
Book / Page	1353 / 344
Map Reference	MB 8 PG 23-29
Instrument Date	Dec 27, 2022
Instrument	202219007124
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 6, 2026
Title Company	WAKULLA TITLE COMPANY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,793.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	204 SHADEVILLE RD, CRAWFORDVILLE, FL 32327-2315

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	340 ROYAL TERN CT, CARRABELLE, FL 32322-8031

Mortgage

Document Number	0000000345
Date	Dec 29, 2022
Instrument	1353/345

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN FL
Recording Date	Mar 17, 2022
Property Address	340 ROYAL TERN CT, CARRABELLE, FL 32322-8031
Document Number	0019001610
Book / Page	1329 / 685
Map Reference	MB 8 PG 23-29
Instrument Date	Mar 16, 2022
Instrument	202219001610
Transaction Type	Transfer
Record Updated	Jan 6, 2026

Transaction

Amount	Amount Recorded
Tax	$210.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	151 LAUGHING GULL LN, CARRABELLE, FL 32322-8004

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	204 SHADEVILLE RD, CRAWFORDVILLE, FL 32327-2315
Investor	Possibly a Property Investor

August 2017: Trustee's Deed, Transfer

Document Type	Trustee's Deed
Jurisdiction	FRANKLIN FL
Recording Date	Aug 17, 2017
Property Address	340 ROYAL TERN CT, CARRABELLE, FL 32322-8031
Document Number	0019004314
Book / Page	001200 / 000231
Instrument Date	Aug 14, 2017
Instrument	19004314
Transaction Type	Transfer
Record Updated	Aug 30, 2017
Title Company	DODD TITLE COMPANY INC, DODD TITLE CO INC

Transaction

Amount	Amount Recorded
Tax	$4,550.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	104 CHARLOTTE PL CARY IL 600132707, CARY, IL 60013-2707
Investor	Possibly a Property Investor

Mortgage

Document Number	19004315
Date	Aug 17, 2017
Book Page	001200/000245
Instrument	19004315

Lender

Name	CENTENNIAL BK
Type	Bank
Address	22 AVENUE E, APALACHICOLA, FL 32320-1761

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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	$259.00 (+1.57%) Homeowner's exemption	$265,666 (+2.9%)	$390,648 (-0.91%) Land $38,250 Building $352,398
2024	$255.00 (-87.84%) Homeowner's exemption	$258,179 (+3%)	$394,244 (+32.05%) Land $38,250 Building $355,994
2023	$2,097.00 (+992.19%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$250,659 (+902.64%)	$298,561 (+1,094.24%) Land $25,000 Building $273,561
2022	$192.00	$25,000 Land $25,000	$25,000 Land $25,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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

Wildfire Risk	High above 87% of the US · above 80% of Florida
Wildfire Likelihood	0.7% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 47 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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