421 Smith Rd, Apalachicola, FL 32320 Property Records

Franklin County property record for 421 Smith Rd, Apalachicola, FL 32320

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 2,514 sqft · built 2008
Lot Size	2.49 acres (108,464 sqft)
Owner	2 Individual Names on Record
Last Sale	$785,000 (Jun 2022)
Tax Bill	$6,592 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Nov 2019 Sale
Flood Zone	Zone AE (high risk)
APN	`35-08S-08W-0000-0100-003A`

Property Details

APN / Parcel Number

Primary APN	`35-08S-08W-0000-0100-003A`
Alternative APN	`08W08S3500000100003A`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Building Area	2,514 sqft Living Area
Gross Area	4,088 sqft
1st Floor Area	2,514 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Architectural Style	Bungalow
Exterior Material	Concrete
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	108,464 sqft (2.49 acres)
Garage Area	1,274 sqft

Exterior Amenities

Pool Area	2,660 sqft
Porch	Finished Screened Porch
Porch Area	360 sqft
Shed	1 Shed
Shed Area	288 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	421 SMITH RD
City	APALACHICOLA
State	FL
Zip	32320-1023
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2.49 AC TR M/L IN SEC 35 8S 8W 975/187 1021/574 1096/586 1125/667 1252/519 1338/207
Legal Range	08W
Legal Township	08S
Legal Section	35
Legal Tract	M
Jurisdiction	FRANKLIN FL
Township / Civil Division	APALACHICOLA
Census Block Group	1
Census Block	1043
Census Tract	970302

Owner

Source: Franklin County records, as of November 26, 2025

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	421 SMITH RD, APALACHICOLA, FL 32320-1023
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 6, 2022	Warranty Deed, Transfer · Conventional Mortgage BETTER MORTGAGE CORPORATION
Nov 1, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 6, 2022 · Amount on Record
Deed Sale	Jun 6, 2022 · Amount on Record
Prior Sale	Jul 31, 2014 · Amount on Record
Deed Document Number	20223462
Deed Book / Page	1338 / 207
Prior Transfer Date	Oct 21, 2019
Prior Transfer Doc	0019004942
Record Updated	Jun 8, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN FL
Recording Date	Jun 6, 2022
Property Address	421 SMITH RD, APALACHICOLA, FL 32320-1023
Document Number	0019003462
Book / Page	1338 / 207
Instrument Date	May 31, 2022
Instrument	202219003462
Transaction Type	Transfer
Record Updated	Aug 9, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,495.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	421 SMITH RD, 421, APALACHICOLA, FL 32320-1023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1010 MERLIN DR, LAFAYETTE, CO 80026-1935

Mortgage

Document Number	0000000209
Date	Jun 6, 2022
Instrument	1338/209

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2052

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN FL
Recording Date	Nov 1, 2019
Property Address	421 SMITH RD, APALACHICOLA, FL 32320-1023
Document Number	0019004942
Book / Page	001252 / 000519
Instrument Date	Oct 21, 2019
Instrument	19004942
Transaction Type	Transfer
Record Updated	Nov 26, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	421 SMITH RD APALACHICOLA FL 323201023, APALACHICOLA, FL 32320-1023

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
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	$6,592.00 (-2.89%) Homeowner's exemption	$745,701 (-1.66%) Land $161,850 Building $583,851	$745,701 (-1.66%) Land $161,850 Building $583,851
2024	$6,788.00 (-1.34%) Homeowner's exemption	$758,324 (+8.2%) Land $161,850 Building $596,474	$758,324 (+8.2%) Land $161,850 Building $596,474
2023	$6,880.00 (+42.98%)	$700,854 (+47.23%) Land $161,850 Building $539,004	$700,854 (+47.23%) Land $161,850 Building $539,004
2022	$4,812.00	$476,041 Land $121,850 Building $354,191	$476,041 Land $121,850 Building $354,191

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	10.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record 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

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

Wildfire Risk	Very High above 91% of the US · above 86% of Florida
Wildfire Likelihood	1% annual chance
Exposure	Direct burnable vegetation

Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.

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

Provider	Max Down / Up (Mbps)
Fidium Fiber Fiber	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50
Starlink Satellite	280 / 30

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