Franklin County property record for 427 Royal Tern Way, Carrabelle, FL 32322
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,817 sqft |
| Lot Size | 0.206 acres (8,987 sqft) |
| Owner | Individual Name on File |
| Last Sale | $440,000 (May 2023) |
| Tax Bill | $3,226 (2025) |
| Deeds & Mortgages | May 2023 Sale & Mortgage Mar 2022 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-07S-03W-1001-000F-0320 |
| Primary APN | 05-07S-03W-1001-000F-0320 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,817 sqft Heated Area |
| Gross Area | 2,636 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Exterior Material | Fiber Cement Siding |
|---|---|
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 8,987 sqft |
| Porch | Open Porch |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 427 ROYAL TERN WAY |
|---|---|
| City | CARRABELLE |
| State | FL |
| Zip | 32322-8032 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ST JAMES BAY PHASE II PB 8/23 BLOCK F LOT 32 OR 1200/231 1329/691 1362/769 |
| Legal Range | 03W |
| Legal Township | 07S |
| Legal Section | 05 |
| Legal Subdivision | ST JAMES BAY |
| Legal Phase | 2 |
| Legal Block | F |
| Legal Lot Number | 32 |
| Jurisdiction | FRANKLIN FL |
| Township / Civil Division | CARRABELLE |
| Census Block Group | 2 |
| Census Block | 2073 |
| Census Tract | 970102 |
427 Royal Tern Way is owned and occupied by an individual who bought it in May 2023.
Source: Franklin County records, as of January 5, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 427 ROYAL TERN WAY, CARRABELLE, FL 32322-8032 |
| 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.
| Date | Document |
|---|---|
| May 2, 2023 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage WHITNEY BANK |
| Mar 17, 2022 | Warranty Deed, Transfer |
| Aug 17, 2017 | Trustee's Deed, Transfer · Line of Credit CENTENNIAL BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 2, 2023 · Amount on File |
| Deed Sale | May 2, 2023 · Amount on File |
| Prior Sale | Mar 17, 2022 · Amount on File |
| Deed Document Number | 202319002180 |
| Deed Book / Page | 1362 / 769 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FRANKLIN FL |
| Recording Date | May 2, 2023 |
| Property Address | 427 ROYAL TERN WAY, CARRABELLE, FL 32322-8032 |
| Document Number | 0019002180 |
| Book / Page | 1362 / 769 |
| Map Reference | MB 8 PG 23-29 |
| Instrument Date | Apr 28, 2023 |
| Instrument | 202319002180 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 6, 2026 |
| Title Company | LOWE TITLE SERVICES |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,080.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 204 SHADEVILLE RD, CRAWFORDVILLE, FL 32327-2315 |
| Name | Verified Name |
|---|---|
| Address | 427 ROYAL TERN WAY, CARRABELLE, FL 32322-8032 |
| Document Number | 0000000771 |
|---|---|
| Date | May 2, 2023 |
| Instrument | 1362/771 |
| Name | WHITNEY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FRANKLIN FL |
| Recording Date | Mar 17, 2022 |
| Property Address | 427 ROYAL TERN WAY, CARRABELLE, FL 32322-8032 |
| Document Number | 0019001613 |
| Book / Page | 1329 / 691 |
| Map Reference | MB 8 PG 23-29 |
| Instrument Date | Mar 16, 2022 |
| Instrument | 202219001613 |
| Transaction Type | Transfer |
| Record Updated | Jan 6, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $280.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 151 LAUGHING GULL LN, CARRABELLE, FL 32322-8004 |
| Name | Verified Name |
|---|---|
| Address | 204 SHADEVILLE RD, CRAWFORDVILLE, FL 32327-2315 |
| Investor | Possibly a Property Investor |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | FRANKLIN FL |
| Recording Date | Aug 17, 2017 |
| Property Address | 427 ROYAL TERN WAY, CARRABELLE, FL 32322-8032 |
| Document Number | 0019004314 |
| Book / Page | 001200 / 000231 |
| Instrument Date | Aug 14, 2017 |
| Instrument | 19004314 |
| Transaction Type | Transfer |
| Record Updated | Aug 30, 2017 |
| Title Company | DODD TITLE COMPANY INC, DODD TITLE CO INC |
| Amount | Amount on Record |
|---|---|
| Tax | $4,550.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 104 CHARLOTTE PL CARY IL 600132707, CARY, IL 60013-2707 |
| Investor | Possibly a Property Investor |
| Document Number | 19004315 |
|---|---|
| Date | Aug 17, 2017 |
| Book Page | 001200/000245 |
| Instrument | 19004315 |
| Name | CENTENNIAL BK |
|---|---|
| Type | Bank |
| Address | 22 AVENUE E, APALACHICOLA, FL 32320-1761 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 427 Royal Tern Way was $3,226 with a homeowner's exemption, down 2.2% from the year before.
Source: Franklin County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Franklin County |
| Unified School District | Franklin County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,226.00 (-2.18%) Homeowner's exemption | $382,192 (-0.92%) Land $38,250 Building $343,942 | $382,192 (-0.92%) Land $38,250 Building $343,942 |
| 2024 | $3,298.00 (+1,203.56%) Homeowner's exemption | $385,723 (+1,442.89%) Land $38,250 Building $347,473 | $385,723 (+1,442.89%) Land $38,250 Building $347,473 |
| 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.
FEMA maps place 427 Royal Tern Way in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 293 individual policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 329 units insured incl. 36 condo units |
| Nearby Flood Claims | 72 (2005–2024) |
| Most Recent Claim | Sep 2024 · Hurricane Helene |
| 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 427 Royal Tern Way is high, ranking above 84% of the US, with a 0.7% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 84% of the US · above 75% of Florida |
|---|---|
| Wildfire Likelihood | 0.7% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 47 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Xtream Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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