435 Mill Rd, Carrabelle, FL 32322 Property Records

Franklin County property record for 435 Mill Rd, Carrabelle, FL 32322

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,120 sqft · built 1996
Lot Size	21 acres (916,197 sqft)
Owner	Individual Name on Record
Last Sale	$1,025,000 (Mar 2023)
Tax Bill	$9,133 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Mar 2023 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`13-07S-05W-0000-0170-0000`

Property Details

APN / Parcel Number

Primary APN	`13-07S-05W-0000-0170-0000`
Alternative APN	`05W07S13000001700000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,120 sqft Living Area
1st Floor Area	2,120 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2023
Architectural Style	Bungalow
Exterior Material	Concrete
Roof Type	Gambrel
Roof Material	Metal
Lot Area	916,197 sqft (21 acres)
Lot Dimensions	300 ft deep x 150 ft wide
Porch	Finished/Open Porch
Porch Area	1,080 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	435 MILL RD
City	CARRABELLE
State	FL
Zip	32322-5034
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	A PARCEL IN SEC 13-07S-05W CONTAINING 5.00 M/L OR 400/218 465/316-18 ALSO 17.67 AC M/L 945/15 SUB INCLUDED IN PROPERTY RIO NUEVO ESTATES PB 10/21-22 1274/79-DEATH CERT 1359/723
Legal Range	05W
Legal Township	07S
Legal Section	13
Legal Subdivision	RIO NUEVO ESTATES
Legal Lot Number	945
Jurisdiction	FRANKLIN FL
Township / Civil Division	EASTPOINT
Census Block Group	1
Census Block	1194
Census Tract	970200

Owner

Source: Franklin County records, as of May 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	2520 NEW HOPE RD, AMBROSE, GA 31512-3044
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Man, Separate Property

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2026	Deed of Trust, Mortgage · Conventional Mortgage LAKEVIEW LOAN SERVICING
Mar 29, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage DOUGLAS NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 29, 2023 · Amount on Record
Deed Sale	Mar 29, 2023 · Amount on Record
Deed Document Number	20231467
Deed Book / Page	1359 / 723
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN FL
Recording Date	Apr 7, 2026
Property Address	435 MILL RD, CARRABELLE, FL 32322-5034
Document Number	0000001555
Book / Page	1442 / 1
Instrument Date	Apr 1, 2026
Instrument	20261555
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	423 MILL RD, CARRABELLE, FL 32322-5034
Investor	Possibly a Property Investor

Mortgage

Document Number	0000001555,
Date	Apr 7, 2026
Book Page	1442/1
Instrument	20261555

Lender

Name	LAKEVIEW LOAN SERVICING

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN FL
Recording Date	Mar 29, 2023
Property Address	435 MILL RD, CARRABELLE, FL 32322-5034
Document Number	0019001467
Book / Page	1359 / 723
Map Reference	MB 10 PG 21
Instrument Date	Mar 28, 2023
Instrument	202319001467
Transaction Type	Transfer
Record Updated	Apr 14, 2023
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$7,175.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	423 MILL RD, CARRABELLE, FL 32322-5034

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2520 NEW HOPE RD, AMBROSE, GA 31512-3044

Mortgage

Document Number	0019001468
Date	Mar 29, 2023
Book Page	1359/727
Instrument	202319001468

Lender

Name	DOUGLAS NATIONAL BANK
Type	Bank
Address	DOUGLAS, GA 31533

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$9,133.00 (-1.61%) Homeowner's exemption	$1,000,632 (-0.44%) Land $557,000 Building $443,632	$1,000,632 (-0.44%) Land $557,000 Building $443,632
2024	$9,282.00 (+526.74%) Homeowner's exemption	$1,005,046 (+440.47%) Land $557,000 Building $448,046	$1,005,046 (+29.67%) Land $557,000 Building $448,046
2023	$1,481.00 (+0.68%) Homeowner's exemption	$185,958 (+2.83%)	$775,103 (+6.82%) Land $557,000 Building $218,103
2022	$1,471.00 Homeowner's exemption	$180,833	$725,587 Land $557,000 Building $168,587

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are 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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	13.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 133 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	171 units insured incl. 38 condo units
Nearby Flood Claims	359 (1979–2024)
Claims Outside the SFHA	6 of 359
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Dennis, Jul 2005 · 79 claims Hurricane Kate, Nov 1985 · 84 claims Hurricane Elena, Sep 1985 · 72 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	High above 87% of the US · above 80% 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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Fidium Fiber DSL	10 / 1

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Mill Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures