344 Royal Tern Ct, Carrabelle, FL 32322 Property Records

Franklin County property record for 344 Royal Tern Ct, Carrabelle, FL 32322

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,759 sqft
Lot Size	0.206 acres (8,982 sqft)
Owner	Individual Name on File
Last Sale	$395,000 (Oct 2025)
Tax Bill	$3,064 (2025)
Deeds & Mortgages	Apr 2025 Line of Credit Oct 2025 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`05-07S-03W-1001-000E-0190`

Property Details

APN / Parcel Number

Primary APN	`05-07S-03W-1001-000E-0190`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,759 sqft Heated Area
Gross Area	2,453 sqft
Flooring	Hardwood
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	344 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 19 OR 1200/231 1329/687 1359/429
Legal Range	03W
Legal Township	07S
Legal Section	05
Legal Subdivision	ST JAMES BAY
Legal Phase	2
Legal Block	E
Legal Lot Number	19
Jurisdiction	FRANKLIN FL
Township / Civil Division	CARRABELLE
Census Block Group	2
Census Block	2073
Census Tract	970102

Owner

344 Royal Tern Ct is owned and occupied by an individual who bought it in October 2025.

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

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

Owner of Record	Individual Name on File
Co-owner	2 Co-owners on File
Mailing Address	344 ROYAL TERN CT, CARRABELLE, FL 32322-8031
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2025	Deed of Trust, Mortgage · Line of Credit THE FIRST A NATIONAL BANKING ASSN
Oct 28, 2025	Warranty Deed, Transfer · Conventional Mortgage AMERICAN NEIGHBORHOOD MTG ACCEPTANC
Mar 24, 2023	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage THE FIRST A NATIONAL BANKING ASSN
Mar 17, 2022	Warranty Deed, Transfer
Aug 17, 2017	Trustee's Deed, Transfer · Line of Credit CENTENNIAL BK

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Oct 28, 2025 · Amount on File
Deed Sale	Oct 28, 2025 · Amount on File
Prior Sale	Mar 24, 2023 · Amount on File
Deed Document Number	202519005027
Deed Book / Page	1430 / 460
Record Updated	Jun 8, 2026

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN FL
Property Address	344 ROYAL TERN CT, CARRABELLE, FL 32322-8031
Transaction Type	Mortgage
Record Updated	Jan 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	344 ROYAL TERN CT, CARRABELLE, FL 32322-8031

Mortgage

Document Number	0019001663
Date	Apr 8, 2025
Book Page	1415/292
Instrument	202519001663

Lender

Name	THE FIRST A NATIONAL BANKING ASSN
Type	Bank
Address	TALLAHASSEE, FL 32308

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN FL
Recording Date	Oct 28, 2025
Property Address	344 ROYAL TERN CT, CARRABELLE, FL 32322-8031
Document Number	0019005027
Book / Page	1430 / 460
Map Reference	MB 8 PG 23
Instrument Date	Oct 24, 2025
Instrument	202519005027
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	$2,765.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	102 SUMMERCREEK CV, THOMASVILLE, GA 31792-4881

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	344 ROYAL TERN CT, CARRABELLE, FL 32322-8031

Mortgage

Document Number	0000000462
Date	Oct 28, 2025
Instrument	1430/462

Lender

Name	AMERICAN NEIGHBORHOOD MTG ACCEPTANC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

March 2023: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN FL
Recording Date	Mar 24, 2023
Property Address	344 ROYAL TERN CT, CARRABELLE, FL 32322-8031
Document Number	0019001363
Book / Page	1359 / 429
Map Reference	MB 8 PG 23
Instrument Date	Mar 22, 2023
Instrument	202319001363
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 6, 2026
Title Company	HAYWARD TITLE GROUP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,730.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2004 SHADEVILLE RD, CRAWFORDVILLE, FL 32327-1402

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	344 ROYAL TERN CT, CARRABELLE, FL 32322-8031

Mortgage

Document Number	0000000435
Date	Mar 24, 2023
Instrument	1359/435

Lender

Name	THE FIRST A NATIONAL BANKING ASSN
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2038

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN FL
Recording Date	Mar 17, 2022
Property Address	344 ROYAL TERN CT, CARRABELLE, FL 32322-8031
Document Number	0019001611
Book / Page	1329 / 687
Map Reference	MB 8 PG 23-29
Instrument Date	Mar 16, 2022
Instrument	202219001611
Transaction Type	Transfer
Record Updated	Jan 6, 2026

Transaction

Amount	Amount on Record
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	344 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 on Record
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 on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 344 Royal Tern Ct was $3,064 with a homeowner's exemption, down 12.4% 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	$3,064.00 (-12.38%) Homeowner's exemption	$364,675 (-0.91%) Land $38,250 Building $326,425	$364,675 (-0.91%) Land $38,250 Building $326,425
2024	$3,497.00 (+1,282.21%)	$368,011 (+1,372.04%) Land $38,250 Building $329,761	$368,011 (+1,372.04%) Land $38,250 Building $329,761
2023	$253.00 (+31.77%)	$25,000 (-) Land $25,000	$25,000 (-) Land $25,000
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

FEMA maps place 344 Royal Tern Ct in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 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 344 Royal Tern Ct is high, ranking above 87% of the US, with a 0.7% annual chance of 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.

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 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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