Franklin County property record for 556 River Rd, Carrabelle, FL 32322
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,306 sqft · built 1997 |
| Lot Size | 0.538 acres (23,435 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $675,000 (Nov 2025) |
| Tax Bill | $1,491 (2025) |
| Deeds & Mortgages | Jan 2021 Mortgage Apr 2021 Mortgage + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 18-07S-04W-0000-0070-0000 |
| Primary APN | 18-07S-04W-0000-0070-0000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,306 sqft Living Area |
| Gross Area | 3,244 sqft |
| 1st Floor Area | 2,306 sqft |
| Flooring | Vinyl/Resilient |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Bungalow |
| Exterior Material | Brick |
| Roof Type | Gambrel |
| Roof Material | Metal |
| Lot Area | 23,435 sqft (0.538 acres) |
| Lot Dimensions | 194 ft deep x 121 ft wide |
| Garage Area | 572 sqft |
| Porch | Finished Screened Porch |
| Porch Area | 520 sqft |
| Storage Building | 312 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 556 RIVER RD |
|---|---|
| City | CARRABELLE |
| State | FL |
| Zip | 32322-1502 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 0.43 AC OR/93/503 OR 371/180 OR 534/111 1298/269 |
| Jurisdiction | FRANKLIN FL |
| Township / Civil Division | EASTPOINT |
| Census Block Group | 1 |
| Census Block | 1195 |
| Census Tract | 970200 |
Source: Franklin County records, as of December 1, 2025
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 | 556 RIVER RD, CARRABELLE, FL 32322-1502 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jan 19, 2021 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Apr 22, 2021 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Nov 5, 2025 | Deed, Transfer · Conventional Mortgage UNIVERSITY BANK |
| Apr 23, 2021 | Intrafamily Transfer, Transfer ATTORNEY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 5, 2025 · Amount on Record |
| Deed Sale | Nov 5, 2025 · Amount on Record |
| Deed Document Number | 20255178 |
| Deed Book / Page | 1431 / 363 |
| Prior Transfer Date | Apr 23, 2021 |
| Prior Transfer Doc | 0019002502 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN FL |
| Property Address | 556 RIVER RD, CARRABELLE, FL 32322-1502 |
| Transaction Type | Mortgage |
| Record Updated | Dec 5, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0019000267 |
|---|---|
| Date | Jan 19, 2021 |
| Book Page | 1287/378 |
| Instrument | 202119000267 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 304 Months |
| Due | May 1, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN FL |
| Property Address | 556 RIVER RD, CARRABELLE, FL 32322-1502 |
| Transaction Type | Mortgage |
| Record Updated | Dec 5, 2025 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|---|
| Address | 556 RIVER RD, CARRABELLE, FL 32322-1502 |
| Document Number | 0019002473 |
|---|---|
| Date | Apr 22, 2021 |
| Book Page | 1298/128 |
| Instrument | 202119002473 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 303 Months |
| Due | Jul 1, 2046 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FRANKLIN FL |
| Recording Date | Nov 5, 2025 |
| Property Address | 556 RIVER RD, CARRABELLE, FL 32322-1502 |
| Document Number | 0019005178 |
| Book / Page | 1431 / 363 |
| Instrument Date | Oct 31, 2025 |
| Instrument | 202519005178 |
| Transaction Type | Transfer |
| Record Updated | Dec 5, 2025 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,725.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 556 RIVER RD, CARRABELLE, FL 32322-1502 |
| Document Number | 0000000366 |
|---|---|
| Date | Nov 5, 2025 |
| Instrument | 1431/366 |
| Name | UNIVERSITY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2055 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | FRANKLIN FL |
| Recording Date | Apr 23, 2021 |
| Property Address | 556 RIVER RD, CARRABELLE, FL 32322-1502 |
| Document Number | 0019002502 |
| Book / Page | 1298 / 269 |
| Map Reference | MB 2 PG 6 |
| Instrument Date | Apr 23, 2021 |
| Instrument | 202119002502 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Living Trust |
| Address | 556 RIVER RD, CARRABELLE, FL 32322-1502 |
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 | $1,491.00 (+2.05%) Homeowner's exemption Veteran's exemption | $298,529 (+2.9%) | $634,514 (+8.08%) Land $180,000 Building $454,514 |
| 2024 | $1,461.00 (-0.48%) Homeowner's exemption | $290,116 (+3%) | $587,104 (+30.45%) Land $130,000 Building $457,104 |
| 2023 | $1,468.00 (+0.69%) Homeowner's exemption | $281,666 (+3%) | $450,049 (+21.85%) Land $130,000 Building $320,049 |
| 2022 | $1,458.00 Homeowner's exemption | $273,462 | $369,342 Land $130,000 Building $239,342 |
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.
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 |
|
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 77% of the US · above 65% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | None beyond ember reach |
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 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 |
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