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421 Royal Tern Way, Carrabelle, FL 32322 Property Records

Franklin County property record for 421 Royal Tern Way, Carrabelle, FL 32322

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,817 sqft
Lot Size0.205 acres (8,969 sqft)
OwnerIndividual Name on File
Last Sale$441,500 (Aug 2023)
Tax Bill$3,724 (2025)
Deeds & MortgagesAug 2023 Sale & Mortgage
Jul 2022 Sale
+ 1 more
Flood ZoneZone X (minimal risk)
APN05-07S-03W-1001-000F-0300

Property Details

APN / Parcel Number

Primary APN05-07S-03W-1001-000F-0300

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,817 sqft Heated Area
Gross Area2,615 sqft
Interior WallsWallboard/Drywall

Exterior

Exterior MaterialFiber Cement Siding
Construction TypeFrame
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area8,969 sqft
PorchOpen Porch

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address421 ROYAL TERN WAY
CityCARRABELLE
StateFL
Zip32322-8032
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionST JAMES BAY PHASE II PB 8/23 BLOCK F LOT 30 OR 1200/231 1341/269 1370/685
Legal Range03W
Legal Township07S
Legal Section05
Legal SubdivisionST JAMES BAY
Legal Phase2
Legal BlockF
Legal Lot Number30
JurisdictionFRANKLIN FL
Township / Civil DivisionCARRABELLE
Census Block Group2
Census Block2073
Census Tract970102

Owner

Source: Franklin County records, as of January 5, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of RecordIndividual Name on File
Co-ownerCo-owner on File
Mailing Address6540 E WILDCAT DR, CAVE CREEK, AZ 85331-6130
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 7, 2023Warranty Deed, Subdivision Related Transfer · Conventional Mortgage
AMERIS BANK
Jul 11, 2022Warranty Deed, Transfer
Aug 17, 2017Trustee's Deed, Transfer · Line of Credit
CENTENNIAL BK

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 7, 2023 · Amount on File
Deed SaleAug 7, 2023 · Amount on File
Prior SaleJul 11, 2022 · Amount on File
Deed Document Number202319004027
Deed Book / Page1370 / 685
Record UpdatedJun 8, 2026

August 2023: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionFRANKLIN FL
Recording DateAug 7, 2023
Property Address421 ROYAL TERN WAY, CARRABELLE, FL 32322-8032
Document Number0019004027
Book / Page1370 / 685
Map ReferenceMB 8 PG 23
Instrument DateAug 1, 2023
Instrument202319004027
Transaction TypeSubdivision Related Transfer
Record UpdatedJan 6, 2026
Title CompanyHAYWARD TITLE GROUP

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,090.50
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address204 SHADEVILLE RD, CRAWFORDVILLE, FL 32327-2315

Transferred To (Grantee/Buyer)

NameVerified Name
Address6540 E WILDCAT DR, CAVE CREEK, AZ 85331-6130

Mortgage

Document Number0000000688
DateAug 7, 2023
Instrument1370/688
Lender
NameAMERIS BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueSep 1, 2053

July 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionFRANKLIN FL
Recording DateJul 11, 2022
Property Address421 ROYAL TERN WAY, CARRABELLE, FL 32322-8032
Document Number0019004198
Book / Page1341 / 269
Map ReferenceMB 8 PG 23-29
Instrument DateJun 29, 2022
Instrument202219004198
Transaction TypeTransfer
Record UpdatedJan 6, 2026

Transaction

AmountAmount on Record
Tax$280.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address151 LAUGHING GULL LN, CARRABELLE, FL 32322-8004

Transferred To (Grantee/Buyer)

NameVerified Name
Address204 SHADEVILLE RD, CRAWFORDVILLE, FL 32327-2315
InvestorPossibly a Property Investor

August 2017: Trustee's Deed, Transfer

Document TypeTrustee's Deed
JurisdictionFRANKLIN FL
Recording DateAug 17, 2017
Property Address421 ROYAL TERN WAY, CARRABELLE, FL 32322-8032
Document Number0019004314
Book / Page001200 / 000231
Instrument DateAug 14, 2017
Instrument19004314
Transaction TypeTransfer
Record UpdatedAug 30, 2017
Title CompanyDODD TITLE COMPANY INC, DODD TITLE CO INC

Transaction

AmountAmount on Record
Tax$4,550.00
Amount AccuracyConfirmed
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address104 CHARLOTTE PL CARY IL 600132707, CARY, IL 60013-2707
InvestorPossibly a Property Investor

Mortgage

Document Number19004315
DateAug 17, 2017
Book Page001200/000245
Instrument19004315
Lender
NameCENTENNIAL BK
TypeBank
Address22 AVENUE E, APALACHICOLA, FL 32320-1761
Agreement
TypeLine of Credit
AmountAmount on Record
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

Source: Franklin County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyFranklin County
Unified School DistrictFranklin County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,724.00 (-2.05%)$396,863 (-0.92%) Land $38,250 Building $358,613$396,863 (-0.92%) Land $38,250 Building $358,613
2024$3,802.00 (+1,402.77%)$400,540 (+1,502.16%) Land $38,250 Building $362,290$400,540 (+1,502.16%) Land $38,250 Building $362,290
2023$253.00 (+31.77%)$25,000 (-) Land $25,000$25,000 (-) Land $25,000
2022$192.00$25,000 Land $25,000$25,000 Land $25,000

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 293 individual policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies329 units insured
incl. 36 condo units
Nearby Flood Claims72 (2005–2024)
Most Recent ClaimSep 2024 · Hurricane Helene
Claims by Event
  • Hurricane Helene, Sep 2024 · 12 claims
  • Hurricane Michael, Oct 2018 · 45 claims
  • Hurricane Dennis, Jul 2005 · 8 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

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

Wildfire RiskHigh
above 83% of the US · above 75% of Florida
Wildfire Likelihood0.6% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 47 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Mediacom Xtream
Cable		1,000 / 50
Verizon
Fixed Wireless		300 / 20

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