411 Three Rivers Rd, Carrabelle, FL 32322 Property Records

Franklin County property record for 411 Three Rivers Rd, Carrabelle, FL 32322

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 720 sqft · built 1942
Lot Size	0.494 acres (21,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$135,000 (Jun 2023)
Tax Bill	$1,883 (2025)
Deeds & Mortgages	Jun 2023 Sale Jun 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-07S-04W-4212-0056-0050`

Property Details

APN / Parcel Number

Primary APN	`20-07S-04W-4212-0056-0050`
Alternative APN	`04W07S20421200560050`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	720 sqft Living Area
Gross Area	960 sqft
1st Floor Area	720 sqft
Flooring	Wood
Interior Walls	Plywood

Exterior

Year Built	Built 1942
Effective Year Built	Effective 2000
Architectural Style	Bungalow
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	21,500 sqft (0.494 acres)
Lot Width	200 ft Width
Porch	Finished Screened Porch
Porch Area	320 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	411 THREE RIVERS RD
City	CARRABELLE
State	FL
Zip	32322-2090
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BL 56 235 LOTS 5-8 OR 149-452 OR/169/199 KEOUGHS 2ND ADD ORB 283 PAGE 127 OR 222/387 OR 373/59 975/155 1100/446 1366/116-BAD LEGAL 1367/144-CORRECTIVE DEED
Legal Range	04W
Legal Township	07S
Legal Section	20
Legal Subdivision	KEOUGHS 2ND ADD
Legal Tract	56
Legal Block	56
Legal Lot Number	5-8
Jurisdiction	FRANKLIN FL
Township / Civil Division	CARRABELLE
Census Block Group	3
Census Block	3097
Census Tract	970102

Owner

Source: Franklin County records, as of May 12, 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 Record
Mailing Address	120 CHIEFS WAY, 1, PENSACOLA, FL 32507-1100
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 12, 2023	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Jun 26, 2023	Correction Deed ATTORNEY ONLY, ATTORNEY
Jul 23, 2019	Deed of Trust, Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 12, 2023 · Amount on Record
Deed Sale	Jun 12, 2023 · Amount on Record
Prior Sale	Aug 19, 2013 · Amount on Record
Deed Document Number	20232947
Deed Book / Page	1366 / 116
Prior Transfer Date	Jun 9, 2023
Prior Transfer Doc	0019003210
Record Updated	Sep 20, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN FL
Recording Date	Jun 12, 2023
Property Address	411 THREE RIVERS RD, CARRABELLE, FL 32322-2090
Document Number	0019002947
Book / Page	1366 / 116
Map Reference	MB 1 PG 4
Instrument Date	Jun 9, 2023
Instrument	202319002947
Transaction Type	Transfer
Record Updated	Jul 4, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$945.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1405 OWENS AVE, CARRABELLE, FL 32322-2300

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 CHIEFS WAY STE 1 # 289 STE 1, 1, PENSACOLA, FL 32507-1100

June 2023: Correction Deed

Document Type	Correction Deed
Jurisdiction	FRANKLIN FL
Recording Date	Jun 26, 2023
Property Address	411 THREE RIVERS RD, CARRABELLE, FL 32322-2090
Document Number	0019003210
Book / Page	1367 / 144
Map Reference	MB 2 PG 20
Instrument Date	Jun 9, 2023
Instrument	202319003210
Record Updated	Jul 12, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1405 OWENS AVE, CARRABELLE, FL 32322-2300

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 CHIEFS WAY STE 1, 1, PENSACOLA, FL 32507-1100

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN FL
Property Address	411 THREE RIVERS RD, CARRABELLE, FL 32322-2090
Document Number	0019003422
Instrument Date	Jul 23, 2019
Transaction Type	Mortgage
Record Updated	Aug 21, 2019
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE/OREGON

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	411 THREE RIVERS RD CARRABELLE FL 323222090, CARRABELLE, FL 32322-2090

Mortgage

Document Number	0019003422
Date	Jul 30, 2019
Book Page	001246/000553
Instrument	19003422

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 29, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Franklin County
Municipality	Carrabelle City
Unified School District	Franklin County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,883.00 (-1.36%)	$112,361 (-2.2%) Land $10,752 Building $101,609	$112,361 (-2.2%) Land $10,752 Building $101,609
2024	$1,909.00 (+335.84%)	$114,886 (+116.34%) Land $12,320 Building $102,566	$114,886 (+52.47%) Land $12,320 Building $102,566
2023	$438.00 Homeowner's exemption	$53,105 (+3%)	$75,352 (+22.96%) Land $22,400 Building $52,952
2022	$438.00 Homeowner's exemption	$51,558	$61,280 Land $22,400 Building $38,880

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 22 policies
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 · Hurricane Michael

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

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

Wildfire Risk	High above 79% of the US · above 68% of Florida
Wildfire Likelihood	0.5% 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 161 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile.

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