538 River Rd, Carrabelle, FL 32322 Property Records

Franklin County property record for 538 River Rd, Carrabelle, FL 32322

Property Summary

Property Type	Mobile Home
Details	2 bd · 2 ba · 576 sqft · built 1978
Lot Size	0.617 acres (26,877 sqft)
Owner	2 Individual Names on Record
Last Sale	$120,000 (Feb 2017)
Tax Bill	$1,713 (2025)
Deeds & Mortgages	Feb 2017 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`18-07S-04W-0000-0030-0010`

Property Details

APN / Parcel Number

Primary APN	`18-07S-04W-0000-0030-0010`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	576 sqft Heated Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1978
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	26,877 sqft (0.617 acres)
Lot Dimensions	240 ft deep x 112 ft wide
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	538 RIVER RD
City	CARRABELLE
State	FL
Zip	32322-1502
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	A PARCEL CONTAINING .60 AC OR 111/155 176/519 697/627 1186/323
Legal Range	04W
Legal Township	07S
Legal Section	18
Jurisdiction	FRANKLIN FL
Township / Civil Division	EASTPOINT
Census Block Group	1
Census Block	1195
Census Tract	970200

Owner

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	959 SANDHILL SHADY GROVE RD, CARROLLTON, GA 30116-5277
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 23, 2017 · Amount on Record
Deed Sale	Feb 23, 2017 · Amount on Record
Prior Sale	May 13, 2002 · Amount on Record
Deed Document Number	201719000797
Deed Book / Page	1186 / 323
Record Updated	Jun 8, 2026

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN FL
Recording Date	Feb 23, 2017
Property Address	538 RIVER RD, CARRABELLE, FL 32322-1502
Document Number	0019000797
Book / Page	001186 / 000323
Instrument Date	Feb 20, 2017
Instrument	19000797
Transaction Type	Transfer
Record Updated	Mar 7, 2017
Title Company	TALLAHASSEE TITLE GROUP LLC, TALLAHASSEE TITLE GRP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$840.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	749 W GULF BEACH DR ST GEORGE ISLAND FL 323282511, ST GEORGE ISLAND, FL 32328-2511

Mortgage

Document Number	19000798
Date	Feb 23, 2017
Book Page	001186/000326
Instrument	19000798

Lender

Name	MARK M & CINDY L PEAVY
Address	3135 TALLAVANA TRL, HAVANA, FL 32333-5621
Special Notes	Seller Financed

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	120 Months
Due	Feb 22, 2027

Interest

Rate Type	Fixed Rate
Rate	6%

Tax Assessment & Valuation

Source: Franklin County assessment roll, as of July 1, 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	$1,713.00 (+18.22%)	$226,856 (+28.27%) Land $180,000 Building $46,856	$226,856 (+28.27%) Land $180,000 Building $46,856
2024	$1,449.00 (+4.17%)	$176,856 (+6.97%) Land $130,000 Building $46,856	$176,856 (+6.97%) Land $130,000 Building $46,856
2023	$1,391.00 (+3.5%)	$165,338 (+4.36%) Land $130,000 Building $35,338	$165,338 (+4.36%) Land $130,000 Building $35,338
2022	$1,344.00	$158,426 Land $130,000 Building $28,426	$158,426 Land $130,000 Building $28,426

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

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 83% of the US · above 74% 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 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
Starlink Satellite	280 / 30