Franklin County property record for 430 Bald Point Rd, Alligator Point, FL 32346
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,437 sqft · built 1996 |
| Lot Size | 1 acres (43,734 sqft) |
| Owner | Individual Name on File |
| Last Sale | $350,000 (Jul 2017) |
| Tax Bill | $5,294 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage Dec 2019 Mortgage + 1 more |
| Flood Zone | Zone VE (high risk) |
| APN | 33-06S-01W-1030-000B-0020 |
| Primary APN | 33-06S-01W-1030-000B-0020 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 1,437 sqft Heated Area |
| Gross Area | 1,891 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1996 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Rigid Frame Bar Joist |
| Roof Material | Composition Shingle |
| Lot Area | 43,734 sqft (1 acres) |
| Lot Dimensions | 342 ft deep x 128 ft wide |
| Porch | Open Porch |
| Porch Area | 454 sqft |
| Deck Area | 24 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 430 BALD POINT RD |
|---|---|
| City | ALLIGATOR POINT |
| State | FL |
| Zip | 32346-5193 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BLOCK B LOT 2 BALD POINT EST. OR 445/217 549/42 604/588 708/774 790/432 1128/132 1139/319 1198/438 |
| Legal Range | 01W |
| Legal Township | 06S |
| Legal Section | 33 |
| Legal Subdivision | BALD POINT ESTATE |
| Legal Block | B |
| Legal Lot Number | 2 |
| Jurisdiction | FRANKLIN FL |
| Township / Civil Division | CARRABELLE |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 970102 |
430 Bald Point Rd is owned and occupied by an individual who bought it in July 2017.
Source: Franklin County records, as of January 5, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 430 BALD POINT RD, ALLIGATOR POINT, FL 32346-5193 |
| 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 |
|---|---|
| Dec 28, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LADERA LENDING INC |
| Dec 16, 2019 | Deed of Trust, Mortgage · Conventional Mortgage DELTA COMMUNITY CU |
| Jul 25, 2017 | Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 25, 2017 · Amount on File |
| Deed Sale | Jul 25, 2017 · Amount on File |
| Prior Sale | Mar 3, 2015 · Amount on File |
| Deed Document Number | 201719003893 |
| Deed Book / Page | 1198 / 438 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN FL |
| Property Address | 430 BALD POINT RD, ALLIGATOR POINT, FL 32346-5193 |
| Transaction Type | Mortgage |
| Record Updated | Jan 25, 2022 |
| Title Company | UNISOURCE |
| Name | Verified Name |
|---|---|
| Address | 37 OLD ANTIOCH RD, CARROLLTON, GA 30117-7849 |
| Document Number | 0019007853 |
|---|---|
| Date | Dec 28, 2021 |
| Book Page | 1322/417 |
| Instrument | 202119007853 |
| Name | LADERA LENDING INC |
|---|---|
| Type | Mortgage Company |
| Address | LADERA RANCH, CA 92694 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Dec 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN FL |
| Property Address | 430 BALD POINT RD, ALLIGATOR POINT, FL 32346-5193 |
| Transaction Type | Mortgage |
| Record Updated | Jan 25, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0019005559 |
|---|---|
| Date | Dec 16, 2019 |
| Book Page | 1255/318 |
| Instrument | 201919005559 |
| Name | DELTA COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | PEACHTREE CITY, GA 30269 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jan 1, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FRANKLIN FL |
| Recording Date | Jul 25, 2017 |
| Property Address | 430 BALD POINT RD, ALLIGATOR POINT, FL 32346-5193 |
| Document Number | 0019003893 |
| Book / Page | 1198 / 438 |
| Map Reference | MB5 PG43-45 |
| Instrument Date | Jul 14, 2017 |
| Instrument | 201719003893 |
| Transaction Type | Transfer |
| Record Updated | Jan 25, 2022 |
| Title Company | WAKULLA TITLE COMPANY INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,450.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 55 MASON WAY, 55, HAVANA, FL 32333-5477 |
| Name | Verified Name |
|---|---|
| Address | 430 BALD POINT RD, ALLIGATOR POINT, FL 32346-5193 |
| Document Number | 0000000439 |
|---|---|
| Date | Jul 25, 2017 |
| Instrument | 1198/439 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2047 |
The 2025 property tax bill for 430 Bald Point Rd was $5,294, up 3.4% 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 | $5,294.00 (+3.44%) | $631,262 (-0.69%) Land $325,000 Building $306,262 | $631,262 (-0.69%) Land $325,000 Building $306,262 |
| 2024 | $5,118.00 (+8.94%) | $635,643 (+16.74%) Land $325,000 Building $310,643 | $635,643 (+16.74%) Land $325,000 Building $310,643 |
| 2023 | $4,698.00 (+13.01%) | $544,473 (+23.86%) Land $310,000 Building $234,473 | $544,473 (+23.86%) Land $310,000 Building $234,473 |
| 2022 | $4,157.00 | $439,577 Land $220,000 Building $219,577 | $439,577 Land $220,000 Building $219,577 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 430 Bald Point Rd in Zone VE, a high-risk coastal flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective April 23, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone VE high risk · coastal, wave action |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 17.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| 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 430 Bald Point Rd is moderate, ranking above 51% of the US, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 51% of the US · lower than 79% of Florida |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ALLIGATOR POINT WATER RESOURCE DISTRICT public/private · serves 1,400 people · EPA ID FL1190013 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2024 |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 25 / 3 |
| Fidium Fiber DSL | 10 / 1 |
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