Franklin County property record for 570 Bluff Rd, Apalachicola, FL 32320
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,314 sqft · built 1988 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $2,975 (Apr 1982) |
| Tax Bill | $478 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-09S-08W-0000-0410-0010 |
| Primary APN | 02-09S-08W-0000-0410-0010 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,314 sqft Heated Area |
| Gross Area | 2,730 sqft |
| Interior Walls | Plywood |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Exterior Material | Siding |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 87,120 sqft (2 acres) |
| Porch | Open Porch |
| Porch Area | 416 sqft |
| Deck Area | 464 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 570 BLUFF RD |
|---|---|
| City | APALACHICOLA |
| State | FL |
| Zip | 32320-1104 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1 AC BEING 209 FT X 209 FT BY 209 FT BY 209 FT OR/174/127 ALSO A PARCEL BEING 209 X 209 X 209 X 209 ON HWY 384 OR 195/636 125 |
| Legal Range | 08W |
| Legal Township | 09S |
| Legal Section | 02 |
| Jurisdiction | FRANKLIN FL |
| Township / Civil Division | APALACHICOLA |
| Census Block Group | 1 |
| Census Block | 1045 |
| Census Tract | 970302 |
570 Bluff Rd is owned and occupied by two individuals who bought it in April 1982.
Source: Franklin County records, as of January 5, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 570 BLUFF RD, APALACHICOLA, FL 32320-1104 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 Sale | Apr 1, 1982 · Amount on File |
| Deed Sale | Apr 1, 1982 · Amount on File |
| Deed Document Number | 0000186332 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 570 Bluff Rd was $478 with a homeowner's exemption, up 3.5% from the year before.
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 | $478.00 (+3.46%) Homeowner's exemption | $85,392 (+2.9%) | $315,286 (-0.66%) Land $80,000 Building $235,286 |
| 2024 | $462.00 (+1.76%) Homeowner's exemption | $82,985 (+3%) | $317,367 (+17.52%) Land $80,000 Building $237,367 |
| 2023 | $454.00 (+2.02%) Homeowner's exemption | $80,568 (+3%) | $270,043 (+27.5%) Land $80,000 Building $190,043 |
| 2022 | $445.00 Homeowner's exemption | $78,221 | $211,794 Land $70,000 Building $141,794 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 570 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 570 Bluff Rd is high, ranking above 84% of the US, with a 0.7% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 84% of the US · above 75% of Florida |
|---|---|
| Wildfire Likelihood | 0.7% 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 30 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Xtream Cable | 1,000 / 50 |
May also be available: Fidium Fiber.
5G (outdoors only) and 4G LTE
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