669 Bald Point Rd, Panacea, FL 32346 Property Records

Franklin County property record for 669 Bald Point Rd, Panacea, FL 32346

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,184 sqft · built 1999
Lot Size	0.189 acres (8,233 sqft)
Owner	Individual Name on Record
Last Sale	$150,000 (Dec 2001)
Tax Bill	$2,143 (2025)
Deeds & Mortgages	May 2018 Line of Credit
Flood Zone	Zone AE (high risk)
APN	`28-06S-01W-1051-0010-0840`

Property Details

APN / Parcel Number

Primary APN	`28-06S-01W-1051-0010-0840`
Alternative APN	`01W06S28105100100840`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,184 sqft Living Area
Gross Area	1,448 sqft
1st Floor Area	1,184 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Bungalow
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,233 sqft (0.189 acres)
Lot Dimensions	110 ft deep x 75 ft wide
Porch	Finished Screened Porch
Porch Area	376 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	669 BALD POINT RD
City	PANACEA
State	FL
Zip	32346-5185
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	UNIT 1 BL 10 LOT 84 SOUTHERN DUNES OR/286/321 OR 555/83 599/373 684/714
Legal Range	01W
Legal Township	06S
Legal Section	28
Legal Subdivision	SOUTHERN DUNES
Legal Block	10
Legal Lot Number	84
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 April 28, 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
Mailing Address	107 3RD AVE SW, CAIRO, GA 39828-2676
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 21, 2001 · Amount on Record
Deed Sale	Dec 21, 2001 · Amount on Record
Deed Book / Page	684 / 714
Record Updated	Jun 8, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN FL
Property Address	669 BALD POINT RD, PANACEA, FL 32346-5185
Document Number	0019002472
Instrument Date	May 15, 2018
Transaction Type	Mortgage
Record Updated	Jun 19, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	669 BALD POINT RD ALLIGATOR POINT FL 323465185, ALLIGATOR POINT, FL 32346-5185

Mortgage

Document Number	0019002472
Date	May 23, 2018
Book Page	001219/000256
Instrument	19002472

Lender

Name	FIRST CMRC CU
Type	Credit Union
Address	TALLAHASSEE, FL 32314

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 22, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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	$2,143.00 (+3.18%)	$260,689 (-0.76%) Land $50,000 Building $210,689	$260,689 (-0.76%) Land $50,000 Building $210,689
2024	$2,077.00 (+18.08%)	$262,678 (+38.28%) Land $50,000 Building $212,678	$262,678 (+38.28%) Land $50,000 Building $212,678
2023	$1,759.00 (+4.64%)	$189,964 (+6.02%) Land $30,000 Building $159,964	$189,964 (+6.02%) Land $30,000 Building $159,964
2022	$1,681.00	$179,172 Land $30,000 Building $149,172	$179,172 Land $30,000 Building $149,172

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 48% of the US · lower than 81% of Florida
Wildfire Likelihood	0.08% annual chance
Exposure	None beyond ember reach

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