447 River Rd, Carrabelle, FL 32322 Property Records

Franklin County property record for 447 River Rd, Carrabelle, FL 32322 · Last verified January 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,189 sqft · built 1978
Lot Size	1.37 acres (59,982 sqft)
Owner	Individual Name on File
Last Sale	$379,000 (Mar 2021)
Tax Bill	$3,234 (2025)
Deeds & Mortgages	Mar 2021 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`18-07S-04W-0000-0160-0000`

Property Details

APN / Parcel Number

Primary APN	`18-07S-04W-0000-0160-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,189 sqft Heated Area
Gross Area	2,565 sqft
Flooring	Carpet
Interior Walls	Plywood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Exterior Material	Wood
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	59,982 sqft (1.37 acres)
Lot Dimensions	600 ft deep x 100 ft wide

Exterior Amenities

Porch	Open Porch
Porch Area	256 sqft
Fence	Fence
Shed	1 Shed
Shed Area	28 sqft
Utility Building	120 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	447 RIVER RD
City	CARRABELLE
State	FL
Zip	32322-5022
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1.44 AC OR/102/119 OR/89/626 140/396-97 220/498 222/91 612/607 613/451 674/138 1103/243 1292/320
Legal Range	04W
Legal Township	07S
Legal Section	18
Legal Subdivision	HERBERT L COOK
Legal Lot Number	3
Jurisdiction	FRANKLIN FL
Township / Civil Division	EASTPOINT
Census Block Group	1
Census Block	1199
Census Tract	970200

Owner

Source: Franklin County records · APN 18-07S-04W-0000-0160-0000

Assessment roll updated July 1, 2025 · Last verified January 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 File
Co-owner	Verified Secondary Owner
Mailing Address	447 RIVER RD, CARRABELLE, FL 32322-5022
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 01, 2021 · Amount on Record
Deed Sale	Mar 01, 2021 · Amount on Record
Prior Sale	Sep 17, 2013 · Amount on Record
Deed Document Number	202119001204
Deed Book / Page	1292 / 320
Record Updated	Jun 08, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN FL
Recording Date	Mar 01, 2021
Property Address	447 RIVER RD, CARRABELLE, FL 32322-5022
Document Number	0019001204
Book / Page	1292 / 320
Instrument Date	Feb 26, 2021
Instrument	202119001204
Transaction Type	Transfer
Record Updated	Jan 25, 2022
Title Company	LOWE TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,653.00
Amount Accuracy	Rounded by County
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 726, CARRABELLE, FL 32322-0726

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	447 RIVER RD, CARRABELLE, FL 32322-5022

Mortgage

Document Number	0000000323
Date	Mar 01, 2021
Instrument	1292/323

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 01, 2051

Tax Assessment & Valuation

Source: Franklin County records · Assessment roll updated July 1, 2025 · Last verified January 2026

Property Jurisdictions

Type	Name
State	Florida
County	Franklin County
Municipality	Carrabelle City
Unified School District	Franklin County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,234.00 (+1.95%) Homeowner's exemption	$383,068 (+2.9%)	$411,389 (-0.42%) Land $150,000 Building $261,389
2024	$3,172.00 (-0.6%) Homeowner's exemption	$372,272 (+3%)	$413,126 (+14.3%) Land $150,000 Building $263,126
2023	$3,191.00 (+1.59%) Homeowner's exemption	$361,429 (+16.97%) Land $150,000 Building $211,429	$361,429 (+16.97%) Land $150,000 Building $211,429
2022	$3,141.00	$308,986 Land $150,000 Building $158,986	$308,986 Land $150,000 Building $158,986

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Franklin County (12037C), updated April 23, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120379702001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	15.0 ft
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 133 individual NFIP policies nearby
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	171 units insured (38 under condo master policies) 75 of 133 individual policies on primary residences
Nearby Flood Claims	359 (1979–2024)
Claims Outside the SFHA	6 of 359
Most Recent Claim	Oct 2024, rainfall accumulation, Hurricane Milton
Flood Events	Hurricane Dennis (Jul 2005), 79 claims Hurricane Kate (Nov 1985), 84 claims Hurricane Elena (Sep 1985), 72 claims

Wildfire

Wildfire Risk	High above 89% of the US · above 82% of Florida
Wildfire Likelihood	About 1 in 159 per year
Exposure	Direct burnable vegetation at the parcel

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.