Franklin County property record for 649 W Pine Ave, Eastpoint, FL 32328
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,376 sqft · built 2002 |
| Lot Size | 0.402 acres (17,504 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $699,000 (Dec 2021) |
| Tax Bill | $7,168 (2025) |
| Deeds & Mortgages | Dec 2021 Sale & Mortgage Aug 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 29-09S-06W-7311-023W-0100 |
| Primary APN | 29-09S-06W-7311-023W-0100 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,376 sqft Living Area |
| Gross Area | 2,736 sqft |
| 1st Floor Area | 2,376 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Elevator | Elevator |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 17,504 sqft (0.402 acres) |
| Lot Width | 106 ft Width |
| Pool Area | 360 sqft |
|---|---|
| Porch | Finished Screened Porch |
| Porch Area | 1,224 sqft |
| Deck Area | 72 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 649 W PINE AVE |
|---|---|
| City | EASTPOINT |
| State | FL |
| Zip | 32328-2613 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | UNIT 1 BL 23W LOT 10 106/72 659/602 1119/471 1162/126 1232/137 1272/86 1322/252 |
| Legal Range | 06W |
| Legal Township | 09S |
| Legal Section | 29 |
| Legal Subdivision | 7311 |
| Legal Block | 23W |
| Legal Lot Number | 10 |
| Legal Unit | 1 |
| Jurisdiction | FRANKLIN FL |
| Township / Civil Division | APALACHICOLA |
| Census Block Group | 1 |
| Census Block | 1038 |
| Census Tract | 970304 |
649 W Pine Ave is owned and occupied by two individuals who bought it in December 2021.
Source: Franklin County records, as of November 26, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 649 W PINE AVE, EASTPOINT, FL 32328-2613 |
| 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.
| Date | Document |
|---|---|
| Dec 22, 2021 | Warranty Deed, Transfer · Conventional Mortgage MORTGAGE TRUST INC |
| Aug 4, 2020 | Warranty Deed, Transfer · Commercial Mortgage PROVIDENCE BANK |
| Dec 11, 2018 | Warranty Deed, Transfer · VA Mortgage PLATINUM MORTGAGE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 22, 2021 · Amount on File |
| Deed Sale | Dec 22, 2021 · Amount on File |
| Prior Sale | Aug 4, 2020 · Amount on File |
| Deed Document Number | 20217811 |
| Deed Book / Page | 1322 / 252 |
| Prior Transfer Date | Dec 16, 2021 |
| Prior Transfer Doc | 0019007811 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FRANKLIN FL |
| Recording Date | Dec 22, 2021 |
| Property Address | 649 W PINE AVE, SAINT GEORGE ISLAND, FL 32328-2613 |
| Document Number | 0019007811 |
| Book / Page | 1322 / 252 |
| Instrument Date | Dec 16, 2021 |
| Instrument | 202119007811 |
| Transaction Type | Transfer |
| Record Updated | Feb 3, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,893.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2950 GALAHAD DR NE, ATLANTA, GA 30345-3633 |
| Name | Verified Name |
|---|---|
| Address | 1551 MEADOW RUN DR, PROSPER, TX 75078-7064 |
| Document Number | 0000000256 |
|---|---|
| Date | Dec 22, 2021 |
| Instrument | 1322/256 |
| Name | MORTGAGE TRUST INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FRANKLIN FL |
| Recording Date | Aug 4, 2020 |
| Property Address | 649 W PINE AVE, SAINT GEORGE ISLAND, FL 32328-2613 |
| Document Number | 0019003438 |
| Book / Page | 1272 / 86 |
| Instrument Date | Jul 29, 2020 |
| Instrument | 202019003438 |
| Transaction Type | Transfer |
| Record Updated | Jan 25, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,731.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3332 HUTCHINSON, 3332, ADEL, GA 31620 |
| Name | Verified Name |
|---|---|
| Address | 115 COTTONWOOD PL, DECATUR, GA 30030-2973 |
| Document Number | 0000000088 |
|---|---|
| Date | Aug 4, 2020 |
| Instrument | 1272/88 |
| Name | PROVIDENCE BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Aug 1, 2030 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FRANKLIN FL |
| Recording Date | Dec 11, 2018 |
| Property Address | 649 W PINE AVE, SAINT GEORGE ISLAND, FL 32328-2613 |
| Document Number | 0019005690 |
| Book / Page | 1232 / 137 |
| Instrument Date | Dec 7, 2018 |
| Instrument | 201819005690 |
| Transaction Type | Transfer |
| Record Updated | Jan 25, 2022 |
| Title Company | OWEN TITLE CO INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,360.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3832 SHAMROCK ST W, 3832, TALLAHASSEE, FL 32309-2646 |
| Name | Verified Name |
|---|---|
| Address | 649 W PINE AVE, SAINT GEORGE ISLAND, FL 32328-2613 |
| Document Number | 0019005691 |
|---|---|
| Date | Dec 11, 2018 |
| Instrument | 201819005691 |
| Name | PLATINUM MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2049 |
The 2025 property tax bill for 649 W Pine Ave was $7,168 with a homeowner's exemption, down 9.9% from the year before.
Source: Franklin County assessment roll, as of November 26, 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 | $7,168.00 (-9.93%) Homeowner's exemption | $803,048 (-8.58%) Land $150,000 Building $653,048 | $803,048 (-8.58%) Land $150,000 Building $653,048 |
| 2024 | $7,958.00 (+10.47%) Homeowner's exemption | $878,383 (+19%) Land $150,000 Building $728,383 | $878,383 (+19%) Land $150,000 Building $728,383 |
| 2023 | $7,204.00 (+7.43%) | $738,112 (+11.69%) Land $120,000 Building $618,112 | $738,112 (+11.69%) Land $120,000 Building $618,112 |
| 2022 | $6,706.00 | $660,861 Land $75,000 Building $585,861 | $660,861 Land $75,000 Building $585,861 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 649 W Pine Ave in Zone AE, a high-risk 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 AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 10.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 997 individual policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 1,020 units insured incl. 23 condo units |
| Nearby Flood Claims | 1,119 (1985–2024) |
| Claims Outside the SFHA | 1 of 1,119 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| 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.
The area around 649 W Pine Ave has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 | WATER MGMT SERVICES (ST. GEORGE ISLAND) private · serves 5,272 people · EPA ID FL1190789 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2024 |
| Lead | 2 ppb (2023) action level 15 ppb |
| Water Quality | Haloacetic acids not recorded as resolved · Apr 2024 Total trihalomethanes resolved · Apr 2020 |
|---|---|
| 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 129 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Fidium Fiber Fiber | 1,000 / 1,000 |
| Mediacom Xtream Cable | 1,000 / 50 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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