657 Bay Dr, Carrabelle, FL 32322 Property Records

Franklin County property record for 657 Bay Dr, Carrabelle, FL 32322

Property Summary

Property Type	Vacant Land
Lot Size	0.93 acres (40,511 sqft)
Owner	Individual Name on Record
Last Sale	$110,000 (Sep 2025)
Tax Bill	$1,495 (2025)
Deeds & Mortgages	Sep 2025 Sale
Flood Zone	Zone VE (high risk)
APN	`06-08S-04W-5264-00C0-0150`

Property Details

APN / Parcel Number

Primary APN	`06-08S-04W-5264-00C0-0150`

Exterior

Lot Area	40,511 sqft (0.93 acres)
Lot Dimensions	388 ft deep x 100 ft wide

Location & Zoning

Street Address	657 BAY DR
City	CARRABELLE
State	FL
Zip	32322
Property Category	Vacant Land
Property Type	Vacant Land > Uncategorized
Legal Description	BLOCK C LOT 15 UNRECD PLAT ADDITION TO UNIT 4 OR/153/323-325 DOG ISLAND ORB 0153 PAGE 0323 OE 201/503 OR/375/82 1402/780 1428
Legal Range	04W
Legal Township	08S
Legal Section	06
Legal Subdivision	PLAT ADDITION
Legal Block	C
Legal Lot Number	15
Legal Unit	4
Jurisdiction	FRANKLIN FL
Township / Civil Division	CARRABELLE
Census Block Group	1
Census Block	1028
Census Tract	970101

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	2681 MORGAN WHIDDON RD, PERRY, FL 32347-8713
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 25, 2025 · Amount on Record
Deed Sale	Sep 25, 2025 · Amount on Record
Prior Sale	Oct 3, 2024 · Amount on Record
Deed Document Number	202519004513
Deed Book / Page	1428 / 265
Record Updated	Jun 8, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN FL
Recording Date	Sep 25, 2025
Property Address	657 BAY DR, CARRABELLE, FL 32322
Document Number	0019004513
Book / Page	1428 / 265
Instrument Date	Sep 24, 2025
Instrument	202519004513
Transaction Type	Transfer
Record Updated	Oct 23, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$770.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1238 PORT MALABAR BLVD NE, MELBOURNE, FL 32905-5145

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2681 MORGAN WHIDDON RD, PERRY, FL 32347-8713
Investor	Possibly a Property Investor

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	$1,495.00 (+63.93%)	$112,046 (+28.35%) Land $112,046	$112,046 (+28.35%) Land $112,046
2024	$912.00 (+2.82%)	$87,300 (-) Land $87,300	$87,300 (-) Land $87,300
2023	$887.00 (+28.74%)	$87,300 (+8%) Land $87,300	$87,300 (+8%) Land $87,300
2022	$689.00	$48,500 Land $48,500	$48,500 Land $48,500

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 VE high risk · coastal, wave action
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	16.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 43 individual policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	72 units insured incl. 29 condo units
Nearby Flood Claims	7 (2018)
Most Recent Claim	Oct 2018 · Hurricane Michael
Claims by Event	Hurricane Michael, Oct 2018 · 7 claims

Coastal Barrier Resources

Source: USFWS Coastal Barrier Resources System, as of December 19, 2024

Coastal Barrier Resources System	Yes
Unit	P28 “Dog Island”
Unit Type	System Unit
Designated	Oct 18, 1982
NFIP Eligibility	Not eligible for structures built after the Oct 1, 1983 cutoff private flood insurance only

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	High above 77% of the US · above 65% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.