396 Bluff Rd, Apalachicola, FL 32320 Property Records

Franklin County property record for 396 Bluff Rd, Apalachicola, FL 32320

Property Summary

Property Type	Mobile Home
Details	2 bd · 1 ba · 1,456 sqft · built 2000
Lot Size	0.268 acres (11,683 sqft)
Owner	2 Individual Names on File
Last Sale	$220,000 (Jun 2024)
Tax Bill	$1,927 (2025)
Deeds & Mortgages	Jun 2024 Sale & Mortgage Apr 2024 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-09S-08W-8330-0212-0010`

Property Details

APN / Parcel Number

Primary APN	`01-09S-08W-8330-0212-0010`
Alternative APN	`08W09S01833002120010`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,456 sqft Living Area
1st Floor Area	1,456 sqft
Flooring	Carpet
Interior Walls	Plywood

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Cape Cod
Exterior Material	Metal
Roof Type	Flat
Roof Material	Composition Shingle
Lot Area	11,683 sqft (0.268 acres)
Lot Width	100 ft Width
Shed	1 Shed
Shed Area	88 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	396 BLUFF RD
City	APALACHICOLA
State	FL
Zip	32320-1360
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	BL 212 LOTS 1-2-3 ALSO THE EASTERN MOST 30 FT OF 25TH AVE 187/328 596/363 LESS THE WEST 30' TO CITY 667/679 667/683 1162/469 1332/324-DEATH CERT 1332/326-LIFE ESTATE 1347/186-DEATH CERT 1390/377 1394/395
Legal Range	08W
Legal Township	09S
Legal Section	01
Legal Subdivision	8330
Legal Block	212
Legal Lot Number	1-2
Jurisdiction	FRANKLIN FL
Township / Civil Division	APALACHICOLA
Census Block Group	1
Census Block	1050
Census Tract	970302

Owner

396 Bluff Rd, a mobile home, is owned by two individuals who bought it in June 2024.

Source: Franklin County records, as of March 6, 2026

Owner of Record	2 Individual Names on File
Mailing Address	37 JACKIE WHITEHURST ST, APALACHICOLA, FL 32320-1248
Owner Type	Individual
Vesting	Husband and Wife

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
Jun 14, 2024	Warranty Deed, Transfer · Conventional Mortgage CMG MORTGAGE INC
Apr 30, 2024	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Apr 7, 2022	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 14, 2024 · Amount on File
Deed Sale	Jun 14, 2024 · Amount on File
Prior Sale	Apr 30, 2024 · Amount on File
Deed Document Number	20242910
Deed Book / Page	1394 / 395
Prior Transfer Date	Oct 7, 2020
Prior Transfer Doc	0019002142
Record Updated	Jun 8, 2026

June 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN FL
Recording Date	Jun 14, 2024
Property Address	396 BLUFF RD, APALACHICOLA, FL 32320-1360
Document Number	0019002910
Book / Page	1394 / 395
Instrument Date	Jun 14, 2024
Instrument	202419002910
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
Address	48014 CARVOO BAY, BOYNTON BEACH, FL 33424

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	37 JACKIE WHITEHURST ST, APALACHICOLA, FL 32320-1248

Mortgage

Document Number	0000000397
Date	Jun 14, 2024
Instrument	1394/397

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2054

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN FL
Recording Date	Apr 30, 2024
Property Address	396 BLUFF RD, APALACHICOLA, FL 32320-1360
Document Number	0019002070
Book / Page	1390 / 377
Instrument Date	Apr 30, 2024
Instrument	202419002070
Transaction Type	Transfer
Record Updated	Jan 6, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$1,225.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	917 MARINE DR, ANNAPOLIS, MD 21409-4745

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48014 JARUCO BAY, BOYNTON BEACH, FL 33436-1953

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FRANKLIN FL
Recording Date	Apr 7, 2022
Property Address	396 BLUFF RD, APALACHICOLA, FL 32320-1360
Document Number	0019002142
Book / Page	1332 / 326
Instrument Date	Oct 7, 2020
Instrument	202219002142
Transaction Type	Transfer
Record Updated	Jan 6, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	396 BLUFF RD, APALACHICOLA, FL 32320-1360

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	396 BLUFF RD, APALACHICOLA, FL 32320-1360

Tax Assessment & Valuation

The 2025 property tax bill for 396 Bluff Rd was $1,927, down 17.6% from the year before.

Source: Franklin County assessment roll, as of November 26, 2025

Property Jurisdictions

Type	Name
State	Florida
Municipality	Apalachicola City
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	$1,927.00 (-17.65%)	$154,108 (+16.63%) Land $65,000 Building $89,108	$154,108 (+16.63%) Land $65,000 Building $89,108
2024	$2,340.00 (+4,4%)	$132,133 (+255.51%) Land $45,500 Building $86,633	$132,133 (+40.14%) Land $45,500 Building $86,633
2023	$52.00 (+4%) Homeowner's exemption Additional exemption filed	$37,167 (+3%)	$94,284 (+28.8%) Land $21,000 Building $73,284
2022	$50.00 Homeowner's exemption Additional exemption filed	$36,084	$73,204 Land $17,850 Building $55,354

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 396 Bluff Rd in Zone X, an area of minimal flood risk, though there have been 83 flood claims nearby since 1985.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 396 Bluff Rd is high, ranking above 80% 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 80% of the US · above 69% of Florida
Wildfire Likelihood	0.4% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 93 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Fidium Fiber.

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