391 E Bay Dr, Eastpoint, FL 32328 Property Records

Franklin County property record for 391 E Bay Dr, Eastpoint, FL 32328

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,644 sqft · built 1986
Lot Size	2.15 acres (93,654 sqft)
Owner	2 Individual Names on File
Last Sale	$375,000 (Mar 2019)
Tax Bill	$5,571 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Mar 2019 Sale & Mortgage
Flood Zone	Zone VE (high risk)
APN	`19-08S-06W-6400-0000-0830`

Property Details

APN / Parcel Number

Primary APN	`19-08S-06W-6400-0000-0830`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,644 sqft Heated Area
Gross Area	3,564 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1986
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	93,654 sqft (2.15 acres)
Lot Width	180 ft Width

Exterior Amenities

Porch	Open Porch
Porch Area	1,920 sqft
Deck Area	24 sqft
Fence	Fence
Storage Building	70 sqft
Boat Access	Boat Access
Boat House	360 sqft
Boat Lift	Boat Lift

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	391 E BAY DR
City	EASTPOINT
State	FL
Zip	32328-3467
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACTS 83 & 84 N BAYSHORE DR OR 178/535 217/457 219/14 268/161 268/305 281/223 356/109 370/305 499/244 1008/600 1237/401
Legal Range	06W
Legal Township	08S
Legal Section	19
Legal Tract	83,84
Jurisdiction	FRANKLIN FL
Township / Civil Division	EASTPOINT
Census Block Group	2
Census Block	2000
Census Tract	970200

Owner

391 E Bay Dr 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	4357 YANCEY RD, DOUGLASVILLE, GA 30135-4009
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
Apr 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRSTBANK
Mar 15, 2019	Warranty Deed, Transfer · Conventional with PMI FIRSTBANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 15, 2019 · Amount on File
Deed Sale	Mar 15, 2019 · Amount on File
Deed Document Number	0001237401
Deed Book / Page	1237 / 401
Record Updated	Jun 8, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN FL
Property Address	391 E BAY DR, EASTPOINT, FL 32328-3467
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0019001735
Date	Apr 30, 2020
Book Page	1263/707
Instrument	202019001735

Lender

Name	FIRSTBANK
Type	Bank
Address	FRANKLIN, TN 37067

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN FL
Recording Date	Mar 15, 2019
Property Address	391 E BAY DR, EASTPOINT, FL 32328-3467
Document Number	0019001107
Book / Page	001237 / 000401
Instrument Date	Mar 15, 2019
Instrument	19001107
Transaction Type	Transfer
Record Updated	Apr 4, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,625.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4357 YANCEY RD DOUGLASVILLE GA 301354009, DOUGLASVILLE, GA 30135-4009

Mortgage

Document Number	19001108
Date	Mar 15, 2019
Book Page	001237/000405
Instrument	19001108

Lender

Name	FIRSTBANK
Type	Bank
Address	FRANKLIN, TN 37067

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Mar 14, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 391 E Bay Dr was $5,571, up 3.6% 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	$5,571.00 (+3.59%)	$707,390 (-0.21%) Land $470,000 Building $237,390	$707,390 (-0.21%) Land $470,000 Building $237,390
2024	$5,378.00 (+13.75%)	$708,896 (+26.25%) Land $470,000 Building $238,896	$708,896 (+26.25%) Land $470,000 Building $238,896
2023	$4,728.00 (+12.87%)	$561,491 (+23.07%) Land $350,000 Building $211,491	$561,491 (+23.07%) Land $350,000 Building $211,491
2022	$4,189.00	$456,239 Land $258,000 Building $198,239	$456,239 Land $258,000 Building $198,239

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

Flood

FEMA maps place 391 E Bay Dr 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	15.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 104 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	104 in force
Nearby Flood Claims	123 (1985–2022)
Claims Outside the SFHA	6 of 123
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Michael, Oct 2018 · 38 claims Hurricane Dennis, Jul 2005 · 22 claims Hurricane Kate, Nov 1985 · 17 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 391 E Bay Dr is high, ranking above 81% of the US, with a 0.4% annual chance of wildfire.

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

Wildfire Risk	High above 81% of the US · above 72% of Florida
Wildfire Likelihood	0.4% 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	EASTPOINT WATER ; SEWER DIST. public/private · serves 3,085 people · EPA ID FL1190236
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	4 ppb (2025) action level 15 ppb

Violations Reported to EPA

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

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	7 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 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on E Bay Dr

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