Franklin County property record for 437 River Rd, Carrabelle, FL 32322
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,845 sqft · built 2003 |
| Lot Size | 0.826 acres (35,981 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $500,000 (Jan 2019) |
| Tax Bill | $4,092 (2025) |
| Deeds & Mortgages | Jan 2019 Sale & Mortgage Jan 2019 Sale |
| Flood Zone | Zone AE (high risk) |
| APN | 18-07S-04W-0000-0170-0030 |
| Primary APN | 18-07S-04W-0000-0170-0030 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,845 sqft Heated Area |
| Gross Area | 2,897 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2003 |
|---|---|
| Exterior Material | Fiber Cement Siding |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 35,981 sqft (0.826 acres) |
| Lot Dimensions | 500 ft deep x 72 ft wide |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Open Porch |
| Porch Area | 660 sqft |
| Boat Access | Boat Access |
| Boat Lift | Boat Lift |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 437 RIVER RD |
|---|---|
| City | CARRABELLE |
| State | FL |
| Zip | 32322-5022 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | A PARCEL IN SEC 18 07S 04W ALONG THE CARRABELLE RIVER ALSO KNOWN AS TRACT 4 OR 102/55 102/281 156/216 282/86 282/95 484/310 6 |
| Legal Range | 04W |
| Legal Township | 07S |
| Legal Section | 18 |
| Legal Subdivision | CARRABELLE RIVER |
| Legal Tract | 4 |
| Jurisdiction | FRANKLIN FL |
| Township / Civil Division | EASTPOINT |
| Census Block Group | 1 |
| Census Block | 1202 |
| Census Tract | 970200 |
Source: Franklin County records, as of January 5, 2026
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 | 437 RIVER RD, CARRABELLE, FL 32322-5022 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 17, 2019 | Warranty Deed, Transfer · VA Mortgage USAA |
| Jan 17, 2019 | Correction Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 17, 2019 · Amount on Record |
| Deed Sale | Jan 17, 2019 · Amount on Record |
| Deed Document Number | 201919000228 |
| Deed Book / Page | 1233 / 707 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FRANKLIN FL |
| Recording Date | Jan 17, 2019 |
| Property Address | 437 RIVER RD, CARRABELLE, FL 32322-5022 |
| Document Number | 0019000228 |
| Book / Page | 001233 / 000707 |
| Instrument Date | Jan 15, 2019 |
| Instrument | 19000228 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,500.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 62 MYERS RD DEFUNIAK SPRINGS FL 324358704, DEFUNIAK SPRINGS, FL 32435-8704 |
| Document Number | 19000229 |
|---|---|
| Date | Jan 17, 2019 |
| Book Page | 001233/000711 |
| Instrument | 19000229 |
| Name | USAA |
|---|---|
| Address | SAN ANTONIO, TX 78288-0544 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 16, 2049 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | FRANKLIN FL |
| Recording Date | Jan 17, 2019 |
| Property Address | 437 RIVER RD, CARRABELLE, FL 32322-5022 |
| Document Number | 0019000227 |
| Book / Page | 001233 / 000704 |
| Instrument Date | Jan 15, 2019 |
| Instrument | 19000227 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.70 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Partnership |
| Address | 1989 TRAM RD MONTICELLO FL 323448118, MONTICELLO, FL 32344-8118 |
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 | $4,092.00 (+1.92%) Homeowner's exemption | $475,675 (+2.9%) | $619,094 (-1.05%) Land $76,500 Building $542,594 |
| 2024 | $4,015.00 (-0.69%) Homeowner's exemption | $462,269 (+3%) | $625,689 (+11.08%) Land $76,500 Building $549,189 |
| 2023 | $4,043.00 (+0.55%) Homeowner's exemption | $448,805 (+3%) | $563,261 (+5.47%) Land $76,500 Building $486,761 |
| 2022 | $4,021.00 Homeowner's exemption | $435,733 | $534,026 Land $76,500 Building $457,526 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 15.0 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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 89% of the US · above 82% of Florida |
|---|---|
| Wildfire Likelihood | 0.6% annual chance |
| Exposure | Direct burnable vegetation |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 21 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Xtream Cable | 1,000 / 50 |
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