Franklin County property record for 404 NW 12th St, Carrabelle, FL 32322 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,352 sqft · built 1981 |
| Lot Size | 0.366 acres (15,960 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $235,000 (Aug 2019) |
| Tax Bill | $2,696 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage May 2020 Mortgage + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 19-07S-04W-4240-0280-0150 |
| Primary APN | 19-07S-04W-4240-0280-0150 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,352 sqft Living Area |
| Gross Area | 2,036 sqft |
| 1st Floor Area | 1,352 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 1981 |
| Architectural Style | Bungalow |
| Exterior Material | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 15,960 sqft (0.366 acres) |
| Lot Width | 120 ft Width |
| Garage Area | 460 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 209 sqft |
| Porch | Finished Screened Porch |
| Porch Area | 224 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 404 NW 12TH ST |
|---|---|
| City | CARRABELLE |
| State | FL |
| Zip | 32322-5019 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | UNIT 1 BL 280 LOTS 15 & 17 RIVERSIDE HEIGHTS OR/179/440 491/218 577/338 OR/586/781 707/85 965/664 1248/120 1326/92-LIFE ESTATE |
| Legal Range | 04W |
| Legal Township | 07S |
| Legal Section | 19 |
| Legal Subdivision | RIVERSIDE HEIGHTS |
| Legal Block | 280 |
| Legal Lot Number | 15,17 |
| Legal Unit | 1 |
| Jurisdiction | FRANKLIN FL |
| Township / Civil Division | CARRABELLE |
| Census Block Group | 3 |
| Census Block | 3091 |
| Census Tract | 970102 |
Source: Franklin County records · APN 19-07S-04W-4240-0280-0150
Assessment roll updated November 26, 2025 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 404 NW 12TH ST, CARRABELLE, FL 32322-5019 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 16, 2021 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| May 01, 2020 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Feb 10, 2022 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Aug 20, 2019 | Warranty Deed, Transfer · FHA Mortgage CAPITAL CITY BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 20, 2019 · Amount on Record |
| Deed Sale | Aug 20, 2019 · Amount on Record |
| Prior Sale | Jul 31, 2002 · Amount on Record |
| Deed Document Number | 20193769 |
| Deed Book / Page | 1248 / 120 |
| Prior Transfer Date | May 08, 2008 |
| Prior Transfer Doc | 0019002634 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN FL |
| Property Address | 404 NW 12TH ST, CARRABELLE, FL 32322-5019 |
| Transaction Type | Mortgage |
| Record Updated | May 02, 2022 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|---|
| Address | 404 NW 12TH ST, CARRABELLE, FL 32322-5019 |
| Document Number | 0019002362 |
|---|---|
| Date | Apr 16, 2021 |
| Book Page | 1297/595 |
| Instrument | 202119002362 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 343 Months |
| Due | Nov 01, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN FL |
| Property Address | 404 NW 12TH ST, CARRABELLE, FL 32322-5019 |
| Transaction Type | Mortgage |
| Record Updated | May 02, 2022 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0019001776 |
|---|---|
| Date | May 01, 2020 |
| Book Page | 1264/79 |
| Instrument | 202019001776 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 352 Months |
| Due | Sep 01, 2049 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | FRANKLIN FL |
| Recording Date | Feb 10, 2022 |
| Property Address | 404 NW 12TH ST, CARRABELLE, FL 32322-5019 |
| Document Number | 0019000816 |
| Book / Page | 1326 / 92 |
| Map Reference | MB 2 PG 21 |
| Instrument Date | Jan 31, 2022 |
| Instrument | 202219000816 |
| Transaction Type | Transfer |
| Record Updated | Mar 11, 2022 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 1204 BIG OAK DR, ALMA, AR 72921-5087 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FRANKLIN FL |
| Recording Date | Aug 20, 2019 |
| Property Address | 404 NW 12TH ST, CARRABELLE, FL 32322-5019 |
| Document Number | 0019003769 |
| Book / Page | 1248 / 120 |
| Map Reference | MB 2 PG 21 |
| Instrument Date | Aug 13, 2019 |
| Instrument | 201919003769 |
| Transaction Type | Transfer |
| Record Updated | May 02, 2022 |
| Title Company | TALLAHASSEE TITLE GROUP LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,645.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4274 RIVER RD, 4274, MANISTEE, MI 49660-9714 |
| Name | Verified Name |
|---|---|
| Address | 404 NW 12TH ST, CARRABELLE, FL 32322-5019 |
| Document Number | 0000000122 |
|---|---|
| Date | Aug 20, 2019 |
| Instrument | 1248/122 |
| Name | CAPITAL CITY BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2049 |
Source: Franklin County records · Assessment roll updated November 26, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Franklin County |
| Municipality | Carrabelle City |
| Unified School District | Franklin County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,696.00 (+4.29%) Homeowner's exemption | $205,170 (+2.9%) | $307,769 (-5.33%) Land $34,200 Building $273,569 |
| 2024 | $2,585.00 (+1.53%) Homeowner's exemption | $199,388 (+3%) | $325,083 (+31.03%) Land $48,000 Building $277,083 |
| 2023 | $2,546.00 (+2.17%) Homeowner's exemption | $193,581 (+3%) | $248,102 (+30.15%) Land $27,000 Building $221,102 |
| 2022 | $2,492.00 Homeowner's exemption | $187,943 | $190,627 Land $27,000 Building $163,627 |
Source: FEMA National Flood Hazard Layer, Franklin County (12037C), updated April 23, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120379701023, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone AE |
|---|---|
| Special Flood Hazard Area | Yes |
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 14.0 ft |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Flood Insurance Cost | Premium on Record median of 22 individual NFIP policies nearby |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 22 in force |
| Nearby Flood Claims | 2 (2005–2018) |
| Most Recent Claim | Oct 2018, tidal / storm surge, Hurricane Michael |
| Wildfire Risk | Moderate above 53% of the US · above 23% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 2,000 per year |
| Exposure | Indirect within ember reach |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 236 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Mediacom Communications | Cable | 1,000 / 50 |
May also be available at this address: T-Mobile USA, Mediacom Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.
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