618 Bluff Rd, Apalachicola, FL 32320 Property Records

Franklin County property record for 618 Bluff Rd, Apalachicola, FL 32320

Property Summary

Property Type	Mobile Home
Details	4 bd · 2 ba · 2,280 sqft · built 2010
Lot Size	0.678 acres (29,520 sqft)
Owner	2 Individual Names on File
Last Sale	$47,000 (Jun 2010)
Tax Bill	$361 (2025)
Deeds & Mortgages	Apr 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-09S-08W-0000-0440-0010`

Property Details

APN / Parcel Number

Primary APN	`02-09S-08W-0000-0440-0010`
Alternative APN	`08W09S02000004400010`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	2,280 sqft Living Area
1st Floor Area	2,280 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	29,520 sqft (0.678 acres)
Lot Width	120 ft Width
Deck Area	168 sqft
Storage Building	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	618 BLUFF RD
City	APALACHICOLA
State	FL
Zip	32320-1106
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	A PARCEL BEING 120 X 247 (OLD DEASON TRACT OR/274/45 OR/564/125 1012/209
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

Owner

618 Bluff Rd, a mobile home, is owned and occupied by two individuals who bought it in June 2010.

Source: Franklin County records, as of August 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	618 BLUFF RD, APALACHICOLA, FL 32320-1106
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
Last Sale	Jun 2, 2010 · Amount on File
Deed Sale	Jun 2, 2010 · Amount on File
Deed Document Number	20102802
Deed Book / Page	1012 / 209
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN FL
Recording Date	Apr 24, 2026
Property Address	618 BLUFF RD, APALACHICOLA, FL 32320-1106
Document Number	0000001854
Book / Page	1443 / 250
Instrument Date	Feb 27, 2026
Instrument	20261854
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	618 BLUFF RD, APALACHICOLA, FL 32320-1106
Investor	Possibly a Property Investor

Mortgage

Document Number	0000001854,
Date	Apr 24, 2026
Book Page	1443/250
Instrument	20261854

Lender

Name	STATEWIDE MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2056

Interest

Rate	6.1%
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 618 Bluff Rd was $361 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	$361.00 (+1.98%) Homeowner's exemption	$69,031 (+2.9%)	$146,905 (-4.26%) Land $40,000 Building $106,905
2024	$354.00 (-1.12%) Homeowner's exemption	$67,086 (+3%)	$153,444 (+26.85%) Land $40,000 Building $113,444
2023	$358.00 (-0.28%) Homeowner's exemption	$65,132 (+3%)	$120,963 (+25.83%) Land $40,000 Building $80,963
2022	$359.00 Homeowner's exemption	$63,235	$96,131 Land $35,000 Building $61,131

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

Flood

FEMA maps place 618 Bluff Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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	Hurricane Michael, Oct 2018 · 15 claims Hurricane Dennis, Jul 2005 · 15 claims Hurricane Opal, Oct 1995 · 10 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 618 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Bluff Rd

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