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

Franklin County property record for 604 Bald Point Rd, Alligator Point, FL 32346

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,200 sqft · built 1992
Lot Size	0.63 acres (27,486 sqft)
Owner	Individual Name on File
Last Sale	$550,000 (Feb 2026)
Tax Bill	$1,465 (2025)
Deeds & Mortgages	Feb 2026 Sale & Mortgage
Flood Zone	Zone VE (high risk)
APN	`28-06S-01W-1051-0001-0020`

Property Details

APN / Parcel Number

Primary APN	`28-06S-01W-1051-0001-0020`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,200 sqft Heated Area
Gross Area	1,840 sqft
Flooring	Cork
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	27,486 sqft (0.63 acres)
Lot Dimensions	275 ft deep x 100 ft wide
Porch	Open Porch
Porch Area	520 sqft
Deck Area	32 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	604 BALD POINT RD
City	ALLIGATOR POINT
State	FL
Zip	32346
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	UNIT 1 BL 1 LOT 2 SOUTHERN DUN OR 182/369 275/195 346/279 463/187 OR 470/127
Legal Range	01W
Legal Township	06S
Legal Section	28
Legal Block	1
Legal Lot Number	2
Legal Unit	1
Jurisdiction	FRANKLIN FL
Township / Civil Division	CARRABELLE
Census Block Group	2
Census Block	2003
Census Tract	970102

Owner

Source: Franklin County records · APN 28-06S-01W-1051-0001-0020

Assessment roll updated July 1, 2025 · Last verified March 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	676 ALLIGATOR DR, PANACEA, FL 32346-5102
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 16, 2026 · Amount on Record
Deed Sale	Feb 16, 2026 · Amount on Record
Deed Document Number	202619000656
Deed Book / Page	1437 / 729
Record Updated	Jun 08, 2026

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN FL
Recording Date	Feb 16, 2026
Property Address	604 BALD POINT RD, ALLIGATOR POINT, FL 32346
Document Number	0019000656
Book / Page	1437 / 729
Map Reference	MB 2 PG 22-A
Instrument Date	Feb 13, 2026
Instrument	202619000656
Transaction Type	Transfer
Record Updated	Mar 20, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,850.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1260, PANACEA, FL 32346-1260

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	676 ALLIGATOR DR, PANACEA, FL 32346-5102

Mortgage

Document Number	0000000706
Date	Feb 16, 2026
Instrument	1437/706

Lender

Name	PRIME MERIDIAN BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2056

Tax Assessment & Valuation

Source: Franklin County records · Assessment roll updated July 1, 2025 · Last verified March 2026

Property Jurisdictions

Type	Name
State	Florida
County	Franklin County
Unified School District	Franklin County School District (PK - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,465.00 (+2.3%) Homeowner's exemption	$187,089 (+2.9%)	$495,723 (-0.37%) Land $325,000 Building $170,723
2024	$1,432.00 (-61.68%) Homeowner's exemption	$181,816 (-58.82%)	$497,580 (+12.71%) Land $325,000 Building $172,580
2023	$3,737.00 (+6.19%)	$441,465 (+9.38%) Land $310,000 Building $131,465	$441,465 (+9.38%) Land $310,000 Building $131,465
2022	$3,519.00	$403,612 Land $280,000 Building $123,612	$403,612 Land $280,000 Building $123,612

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of April 23, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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 Record 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

Wildfire

Wildfire Risk	Moderate above 40% of the US · lower than 87% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Consolidated Communications DSL	50 / 10

Based on FCC filings for 12 locations within half a mile of this property.

Cell Coverage

4G LTE only, no 5G reported

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	ALLIGATOR POINT WATER RESOURCE DISTRICT public/private · serves 1,400 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.