St. Mary Parish property record for 408 Ratcliff Rd, Franklin, LA 70538
| Property Type | Single Family Home |
|---|---|
| Owner | Individual Name on File |
| Tax Bill | $654 (2025) |
| Flood Zone | Zone X (moderate risk) |
| APN | 2654361034.00 |
| Primary APN | 2654361034.00 |
|---|
| Street Address | 408 RATCLIFF RD |
|---|---|
| City | FRANKLIN |
| State | LA |
| Zip | 70538-7434 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT POR NO 1-D SOUTHERN MERCHANTILE GROUP BLK B AS OUTLINED IN RED ON REPART PLAT 24T 193932 ACQ 33U 232398 |
| Legal Subdivision | SOUTHERN MERCANTILE GROUP |
| Legal Block | B |
| Legal Lot Number | 1D |
| Jurisdiction | ST MARY LA |
| Township / Civil Division | 4 |
| Census Block Group | 2 |
| Census Block | 2144 |
| Census Tract | 40900 |
408 Ratcliff Rd is owned and occupied by an individual who acquired it in January 1996.
Source: St. Mary Parish records, as of February 2, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 594, BERWICK, LA 70342-0594 |
| Occupancy | Owner Occupied |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 1, 1996 |
| Deed Sale | Jan 1, 1996 |
| Deed Document Number | 232398 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 408 Ratcliff Rd was $654 with a homeowner's exemption.
Source: St. Mary Parish assessment roll, as of October 15, 2025
| Type | Name |
|---|---|
| State | Louisiana |
| County | St. Mary Parish |
| Unified School District | St. Mary Parish School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $654.00 Homeowner's exemption | $6,075 Land $464 Building $5,611 | $60,750 Land $4,640 Building $56,110 |
| 2023 | $610.00 Homeowner's exemption | $5,565 Land $464 Building $5,101 | $55,650 Land $4,640 Building $51,010 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 408 Ratcliff Rd in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective April 19, 2017 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 37 policies |
| Nearby Flood Policies | 37 in force |
| Nearby Flood Claims | 72 (1980–2019) |
| Claims Outside the SFHA | 15 of 72 |
| Most Recent Claim | Jul 2019 · Hurricane Barry |
| Claims by Event |
|
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 risk around 408 Ratcliff Rd is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 69% of Louisiana |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 20 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 35 |
5G (outdoors only) and 4G LTE
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