570 River Rd, Carrabelle, FL 32322 Property Records

Franklin County property record for 570 River Rd, Carrabelle, FL 32322

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,180 sqft · built 2008
Lot Size	1.24 acres (54,014 sqft)
Owner	2 Individual Names on Record
Last Sale	$890,000 (Sep 2022)
Tax Bill	$5,093 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`18-07S-04W-0000-0031-0030`

Property Details

APN / Parcel Number

Primary APN	`18-07S-04W-0000-0031-0030`
Alternative APN	`04W07S18000000310030`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,180 sqft Living Area
1st Floor Area	2,180 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	54,014 sqft (1.24 acres)
Lot Dimensions	185 ft deep x 120 ft wide

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	420 sqft
Boat Access	Boat Access
Boat Lift	Boat Lift

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	570 RIVER RD
City	CARRABELLE
State	FL
Zip	32322-1502
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	A PARCEL IN SECTION 18-07S-04W BEING 1.24 AC M/L OR/101/398 OR/550/75 716/620 737/351 773/711 834/232 1283/527 1328/374-L/E 1345/585
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 November 26, 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	5283 TROUT TRL, TALLAHASSEE, FL 32311-9680
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 6, 2022 · Amount on Record
Deed Sale	Sep 6, 2022 · Amount on Record
Prior Sale	Oct 31, 2002 · Amount on Record
Deed Document Number	20225227
Deed Book / Page	1345 / 585
Prior Transfer Date	Dec 1, 2020
Prior Transfer Doc	0019005771
Record Updated	Jun 8, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN FL
Recording Date	Sep 6, 2022
Property Address	570 RIVER RD, CARRABELLE, FL 32322-1502
Document Number	0019005227
Book / Page	1345 / 585
Instrument Date	Aug 26, 2022
Instrument	202219005227
Transaction Type	Transfer
Record Updated	Oct 19, 2022
Title Company	HAYWARD TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,230.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4212 RED OAK DR, 4212, TALLAHASSEE, FL 32311-4182

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5283 TROUT TRL, TALLAHASSEE, FL 32311-9680

Mortgage

Document Number	0000000588
Date	Sep 6, 2022
Instrument	1345/588

Lender

Name	CAPITAL CITY HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	Sep 1, 2032
Change Frequency	Monthly
Min Rate At Change	4.5%
Max Rate At Change	9.5%
Index	Other
Max Rate	9.5%

Tax Assessment & Valuation

Source: Franklin County assessment roll, as of November 26, 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	$5,093.00 (+7.83%)	$544,692 (+9.19%) Land $180,025 Building $364,667	$544,692 (+9.19%) Land $180,025 Building $364,667
2024	$4,723.00 (+4.75%)	$498,857 (+9.03%) Land $130,025 Building $368,832	$498,857 (+9.03%) Land $130,025 Building $368,832
2023	$4,509.00 (+80.36%)	$457,557 (+61.26%) Land $130,025 Building $327,532	$457,557 (+4.35%) Land $130,025 Building $327,532
2022	$2,500.00 Homeowner's exemption	$283,743	$438,470 Land $130,025 Building $308,445

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 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.

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