Franklin County property record for 556 Bluff Rd, Apalachicola, FL 32320
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 3,326 sqft · built 1998 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $50 (2025) |
| Deeds & Mortgages | Sep 2026 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-09S-08W-0000-0290-0000 |
| Primary APN | 02-09S-08W-0000-0290-0000 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 3,326 sqft Living Area |
| 1st Floor Area | 3,326 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Plywood |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 2013 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Flat |
| Roof Material | Composition Shingle |
| Lot Area | 43,560 sqft (1 acres) |
| Porch | Unfinished Open Porch |
| Porch Area | 296 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 556 BLUFF RD |
|---|---|
| City | APALACHICOLA |
| State | FL |
| Zip | 32320-1104 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | A PARCEL IN SEC 02-09S-08W BEING 1 AC M/L OR/2/179 OR/176/346 ORB 115/197 |
| Legal Range | 08W |
| Legal Township | 09S |
| Legal Section | 02 |
| Legal Subdivision | DONALD F MOWREY JR SURV |
| Jurisdiction | FRANKLIN FL |
| Township / Civil Division | APALACHICOLA |
| Census Block Group | 1 |
| Census Block | 1045 |
| Census Tract | 970302 |
556 Bluff Rd is owned and occupied by two individuals who acquired it in August 2026.
Source: Franklin County records, as of September 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 556 BLUFF RD, APALACHICOLA, FL 32320-1104 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Aug 29, 2026 |
| Transfer Doc | 0000004031 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FRANKLIN FL |
| Recording Date | Sep 1, 2026 |
| Property Address | 556 BLUFF RD, APALACHICOLA, FL 32320-1104 |
| Document Number | 0000004031 |
| Book / Page | 1453 / 318 |
| Instrument Date | Aug 29, 2026 |
| Instrument | 20264031 |
| Transaction Type | Transfer |
| Record Updated | Sep 21, 2026 |
| Title Company | STEWART TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 556 BLUFF RD, APALACHICOLA, FL 32320-1104 |
The 2025 property tax bill for 556 Bluff Rd was $50 with a homeowner's exemption, down 5% from the year before.
Source: Franklin County assessment roll, as of November 26, 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 | $50.00 (-5%) Homeowner's exemption | $18,511 (+2.9%) | $296,024 (-43.64%) Land $40,000 Building $256,024 |
| 2024 | $100.00 Homeowner's exemption | $17,989 (+3%) | $525,250 (+18.38%) Land $120,800 Building $404,450 |
| 2023 | $100.00 Homeowner's exemption | $17,465 (+3%) | $443,682 (+28.77%) Land $120,800 Building $322,882 |
| 2022 | $100.00 Homeowner's exemption | $16,956 | $344,562 Land $105,700 Building $238,862 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 556 Bluff Rd in Zone X, an area of minimal flood risk, though there have been 83 flood claims nearby since 1985.
Source: FEMA National Flood Hazard Layer, effective April 23, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 60 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 60 in force |
| Nearby Flood Claims | 83 (1985–2019) |
| Claims Outside the SFHA | 3 of 83 |
| Most Recent Claim | Oct 2019 · other causes |
| 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 556 Bluff Rd is high, ranking above 80% of the US, with a 0.5% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 80% of the US · above 70% of Florida |
|---|---|
| Wildfire Likelihood | 0.5% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 APALACHICOLA serves 5,235 people · EPA ID FL1190150 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2025 |
| Lead | 3 ppb (2023) action level 15 ppb |
Listed by EPA as a serious violator for missed monitoring and reporting.
| Water Quality | Total trihalomethanes not recorded as resolved · Apr 2022 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 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 93 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Xtream Cable | 1,000 / 50 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Fidium Fiber.
5G (outdoors only) and 4G LTE
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