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

Franklin County property record for 655 Bald Point Rd, Alligator Point, FL 32346

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,160 sqft · built 2004
Lot Size	0.189 acres (8,233 sqft)
Owner	Individual Name on Record
Last Sale	$389,000 (Feb 2019)
Tax Bill	$3,124 (2025)
Deeds & Mortgages	Feb 2019 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`28-06S-01W-1051-0010-0890`

Property Details

APN / Parcel Number

Primary APN	`28-06S-01W-1051-0010-0890`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,160 sqft Heated Area
Gross Area	2,688 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	8,233 sqft (0.189 acres)
Lot Dimensions	110 ft deep x 75 ft wide
Porch	Open Porch
Porch Area	384 sqft
Deck Area	16 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	655 BALD POINT RD
City	ALLIGATOR POINT
State	FL
Zip	32346-5185
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SOUTHERN DUNES UNIT 1 BLOCK 10 LOT 89 715/766 730/767 1236/313
Legal Range	01W
Legal Township	06S
Legal Section	28
Legal Subdivision	SOUTHERN DUNES
Legal Block	10
Legal Lot Number	89
Legal Unit	1
Jurisdiction	FRANKLIN FL
Township / Civil Division	CARRABELLE
Census Block Group	2
Census Block	2012
Census Tract	970102

Owner

Source: Franklin County records, as of January 5, 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 Record
Co-owner	Co-owner on Record
Mailing Address	655 BALD POINT RD, ALLIGATOR POINT, FL 32346-5185
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 27, 2019 · Amount on Record
Deed Sale	Feb 27, 2019 · Amount on Record
Deed Document Number	201919000805
Deed Book / Page	1236 / 313
Record Updated	Jun 8, 2026

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN FL
Recording Date	Feb 27, 2019
Property Address	655 BALD POINT RD, ALLIGATOR POINT, FL 32346-5185
Document Number	0019000805
Book / Page	1236 / 313
Map Reference	MB 2 PG 22A
Instrument Date	Feb 25, 2019
Instrument	201919000805
Transaction Type	Transfer
Record Updated	Jan 25, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,723.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	43 WILLIAMS RD, DOUGLASSVILLE, PA 19518-9736

Mortgage

Document Number	0019000806
Date	Feb 27, 2019
Instrument	201919000806

Lender

Name	BRANCH BANKING AND TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2034

Tax Assessment & Valuation

Source: Franklin County assessment roll, as of July 1, 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	$3,124.00 (+1.96%) Homeowner's exemption	$366,313 (+2.9%)	$493,691 (-1.13%) Land $50,000 Building $443,691
2024	$3,064.00 (-0.58%) Homeowner's exemption	$355,989 (+3%)	$499,316 (+34.97%) Land $50,000 Building $449,316
2023	$3,082.00 (+0.59%) Homeowner's exemption	$345,620 (+3%)	$369,950 (+6.23%) Land $30,000 Building $339,950
2022	$3,064.00 Homeowner's exemption	$335,553	$348,252 Land $30,000 Building $318,252

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

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	15.0 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

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	Moderate above 64% of the US · above 40% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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 37 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Fidium Fiber DSL · Fiber in parts of the area	50 / 10

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Bald Point Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures