676 Alligator Dr, Panacea, FL 32346 Property Records

Franklin County property record for 676 Alligator Dr, Panacea, FL 32346

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,964 sqft · built 1996
Lot Size	0.585 acres (25,483 sqft)
Owner	Individual Name on File
Last Sale	$375,000 (Oct 2019)
Tax Bill	$3,164 (2025)
Deeds & Mortgages	Oct 2019 Sale & Mortgage
Flood Zone	Zone VE (high risk)
APN	`32-06S-01W-0000-0080-0000`

Property Details

APN / Parcel Number

Primary APN	`32-06S-01W-0000-0080-0000`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,964 sqft Heated Area
Gross Area	4,448 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1996
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	25,483 sqft (0.585 acres)
Lot Dimensions	300 ft deep x 85 ft wide
Garage Type	Mixed
Garage Area	580 sqft
Carport	Carport
Carport Area	960 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	440 sqft
Storage Building	64 sqft
Boat Access	Boat Access
Boat Lift	Boat Lift

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	676 ALLIGATOR DR
City	PANACEA
State	FL
Zip	32346-5102
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	85' X 276' OR/15/315 OR 249/219 OR/440/248 793/46 1034/724 1049/173 1250/584
Legal Range	01W
Legal Township	06S
Legal Section	32
Jurisdiction	FRANKLIN FL
Township / Civil Division	CARRABELLE
Census Block Group	2
Census Block	2010
Census Tract	970102

Owner

676 Alligator Dr is owned and occupied by an individual who bought it in October 2019.

Source: Franklin County records, as of January 5, 2026

Owner of Record	Individual Name on File
Mailing Address	676 ALLIGATOR DR, PANACEA, FL 32346-5102
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	Name on Deed
Last Sale	Oct 2, 2019 · Amount on File
Deed Sale	Oct 2, 2019 · Amount on File
Prior Sale	Nov 14, 2011 · Amount on File
Deed Document Number	201919004474
Deed Book / Page	1250 / 584
Record Updated	Jun 8, 2026

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN FL
Recording Date	Oct 2, 2019
Property Address	676 ALLIGATOR DR, PANACEA, FL 32346-5102
Document Number	0019004474
Book / Page	001250 / 000584
Instrument Date	Sep 30, 2019
Instrument	19004474
Transaction Type	Transfer
Record Updated	Oct 24, 2019
Title Company	WAKULLA TITLE COMPANY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,625.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1058 GULF SHORE BLVD ALLIGATOR POINT FL 323465152, ALLIGATOR POINT, FL 32346-5152

Mortgage

Document Number	19004475
Date	Oct 2, 2019
Book Page	001250/000586
Instrument	19004475

Lender

Name	GEORGE S & TERRY H TAKAC
Address	7803 W WALDRON CT, DUNNELLON, FL 34433-2041
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	24 Months
Due	Oct 1, 2021

Tax Assessment & Valuation

The 2025 property tax bill for 676 Alligator Dr was $3,164 with a homeowner's exemption, up 1.9% from the year before.

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	$3,164.00 (+1.93%) Homeowner's exemption	$370,659 (+2.9%)	$739,347 (+25.42%) Land $408,000 Building $331,347
2024	$3,104.00 (-0.58%) Homeowner's exemption	$360,213 (+3%)	$589,486 (+12.79%) Land $255,000 Building $334,486
2023	$3,122.00 (+0.58%) Homeowner's exemption	$349,721 (+3%)	$522,660 (+15%) Land $255,000 Building $267,660
2022	$3,104.00 Homeowner's exemption	$339,535	$454,488 Land $255,000 Building $199,488

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

Flood

FEMA maps place 676 Alligator Dr in Zone VE, a high-risk coastal 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 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 File 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

Wildfire risk around 676 Alligator Dr is moderate, ranking above 58% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 58% of the US · lower than 68% 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 41 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20