582 Bald Point Rd, Alligator Point (Panacea), FL 32346 Property Records

Franklin County property record for 582 Bald Point Rd, Alligator Point, FL 32346

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,888 sqft · built 2002
Lot Size	0.975 acres (42,471 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,341 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit
Flood Zone	Zone VE (high risk)
APN	`33-06S-01W-1030-000E-0030`

Property Details

APN / Parcel Number

Primary APN	`33-06S-01W-1030-000E-0030`
Alternative APN	`01W06S331030000E0030`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,888 sqft Living Area
1st Floor Area	2,888 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Bungalow
Exterior Material	Concrete Block
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	42,471 sqft (0.975 acres)
Lot Dimensions	360 ft deep x 118 ft wide
View / Lot	Gulf
Porch	Unfinished Open Porch
Porch Area	720 sqft
Storage Building	608 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	582 BALD POINT RD
City	PANACEA
State	FL
Zip	32346-5189
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BLOCK E LOT 3 BALD POINT EST. 0R 466/323 607/432
Legal Range	01W
Legal Township	06S
Legal Section	33
Legal Subdivision	BALD POINT ESTATES
Legal Block	E
Legal Lot Number	3
Jurisdiction	FRANKLIN FL
Township / Civil Division	CARRABELLE
Census Block Group	2
Census Block	2003
Census Tract	970102

Owner

582 Bald Point Rd is owned and occupied by two individuals.

Source: Franklin County records, as of June 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	582 BALD POINT RD, PANACEA, FL 32346-5189
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN FL
Recording Date	Aug 13, 2026
Property Address	582 BALD POINT RD, PANACEA, FL 32346-5189
Document Number	0000003700
Book / Page	1451 / 720
Instrument Date	Aug 5, 2026
Instrument	20263700
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	582 BALD POINT RD, PANACEA, FL 32346-5189

Mortgage

Document Number	0000003700,
Date	Aug 13, 2026
Book Page	1451/720
Instrument	20263700

Lender

Name	FIGURE LENDING LLC

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 582 Bald Point Rd was $3,341 with a homeowner's exemption, up 2% from the year before.

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	$3,341.00 (+1.95%) Homeowner's exemption	$389,670 (+2.9%)	$700,402 (-0.48%) Land $325,000 Building $375,402
2024	$3,277.00 (-0.61%) Homeowner's exemption	$378,688 (+3%)	$703,809 (+15.02%) Land $325,000 Building $378,809
2023	$3,297.00 (+0.58%) Homeowner's exemption	$367,658 (+3%)	$611,919 (+21.03%) Land $310,000 Building $301,919
2022	$3,278.00 Homeowner's exemption	$356,950	$505,591 Land $280,000 Building $225,591

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

Flood

FEMA maps place 582 Bald Point Rd in Zone VE, a high-risk coastal flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective April 23, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone VE high risk · coastal, wave action
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	17.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 293 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	329 units insured incl. 36 condo units
Nearby Flood Claims	72 (2005–2024)
Most Recent Claim	Sep 2024 · Hurricane Helene
Claims by Event	Hurricane Helene, Sep 2024 · 12 claims Hurricane Michael, Oct 2018 · 45 claims Hurricane Dennis, Jul 2005 · 8 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

Wildfire risk around 582 Bald Point Rd is moderate, ranking above 43% of the US, with a 0.07% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 43% of the US · lower than 85% of Florida
Wildfire Likelihood	0.07% 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	ALLIGATOR POINT WATER RESOURCE DISTRICT public/private · serves 1,400 people · EPA ID FL1190013
Water Source	Groundwater
Last State Inspection	Jun 2024
Lead	Under 1 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	None 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 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Fidium Fiber DSL	50 / 10