680 Alligator Dr, Panacea, FL 32346 Property Records

Franklin County property record for 680 Alligator Dr, Panacea, FL 32346

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 3,756 sqft · built 1998
Lot Size	0.538 acres (23,435 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,050,000 (Aug 2026)
Tax Bill	$4,977 (2025)
Deeds & Mortgages	Sep 2026 Sale Aug 2026 Sale & Mortgage + 6 more
Flood Zone	Zone VE (high risk)
APN	`32-06S-01W-0000-0090-0000`

Property Details

APN / Parcel Number

Primary APN	`32-06S-01W-0000-0090-0000`
Alternative APN	`01W06S32000000900000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	3,756 sqft Living Area
Gross Area	4,034 sqft
1st Floor Area	3,756 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Bungalow
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	23,435 sqft (0.538 acres)
Lot Dimensions	276 ft deep x 85 ft wide
View / Lot	Bay Front
Garage Area	278 sqft
Porch	Slab
Porch Area	366 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	680 ALLIGATOR DR
City	PANACEA
State	FL
Zip	32346-5102
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	85X276 FT OR 48/23 OR 48/23 172/18 222/82 509/261 1251/735 1257/403
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

Source: Franklin County records, as of October 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	300 MANCHESTER EXPY, COLUMBUS, GA 31904-6435
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Aug 10, 2026	Warranty Deed, Transfer · Conventional Mortgage Q MORTGAGE CORPORATION
Nov 15, 2023	Deed of Trust, Mortgage · Line of Credit UNITED WHOLESALE MORTGAGE
Mar 10, 2023	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jun 25, 2021	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC
Jun 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage GULF WINDS FCU
Jan 17, 2020	Warranty Deed, Transfer · Conventional Mortgage RESIDENTIAL ALLIGATOR TR (PT)
Oct 21, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 10, 2026 · Amount on Record
Deed Sale	Aug 10, 2026 · Amount on Record
Prior Sale	Jan 17, 2020 · Amount on Record
Deed Document Number	20263590
Deed Book / Page	1451 / 331
Last Transfer Date	Sep 11, 2026
Transfer Doc	0000004338
Record Updated	Oct 29, 2026

September 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN FL
Recording Date	Sep 17, 2026
Property Address	680 ALLIGATOR DR, PANACEA, FL 32346-5102
Document Number	0000004338
Book / Page	1454 / 627
Instrument Date	Sep 11, 2026
Instrument	20264338
Transaction Type	Transfer
Record Updated	Oct 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$70.70
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	300 MANCHESTER EXPY, COLUMBUS, GA 31904-6435

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN FL
Recording Date	Aug 10, 2026
Property Address	680 ALLIGATOR DR, PANACEA, FL 32346-5102
Document Number	0000003590
Book / Page	1451 / 331
Instrument Date	Aug 6, 2026
Instrument	20263590
Transaction Type	Transfer
Record Updated	Aug 28, 2026
Title Company	HAYWARD TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$742,350.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1210 BOX SPRINGS RD, BOX SPRINGS, GA 31801-8227

Mortgage

Document Number	0000003591,
Date	Aug 10, 2026
Instrument	20263591

Lender

Name	Q MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN FL
Property Address	680 ALLIGATOR DR, PANACEA, FL 32346-5102
Transaction Type	Mortgage
Record Updated	Dec 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	680 ALLIGATOR DR, PANACEA, FL 32346-5102

Mortgage

Document Number	0019005942
Date	Nov 15, 2023
Book Page	1379/25
Instrument	202319005942

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN FL
Property Address	680 ALLIGATOR DR, PANACEA, FL 32346-5102
Transaction Type	Mortgage
Record Updated	Mar 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	680 ALLIGATOR DR, PANACEA, FL 32346-5102

Mortgage

Document Number	0019001097
Date	Mar 10, 2023
Book Page	1358/179
Instrument	202319001097

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2053

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN FL
Property Address	680 ALLIGATOR DR, PANACEA, FL 32346-5102
Transaction Type	Mortgage
Record Updated	Feb 3, 2023
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0019004086
Date	Jun 25, 2021
Book Page	1305/721
Instrument	202119004086

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN FL
Property Address	680 ALLIGATOR DR, PANACEA, FL 32346-5102
Transaction Type	Mortgage
Record Updated	May 10, 2022
Title Company	WAKULLA TITLE COMPANY INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0019002723
Date	Jun 25, 2020
Book Page	1268/551
Instrument	202019002723

Lender

Name	GULF WINDS FCU
Type	Credit Union
Address	PENSACOLA, FL 32534

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN FL
Recording Date	Jan 17, 2020
Property Address	680 ALLIGATOR DR, PANACEA, FL 32346-5102
Document Number	0019000255
Book / Page	001257 / 000403
Instrument Date	Jan 14, 2020
Instrument	19000255
Transaction Type	Transfer
Record Updated	Dec 1, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,750.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1230 WALDEN RD TALLAHASSEE FL 323178438, TALLAHASSEE, FL 32317-8438

Mortgage

Document Number	19000256
Date	Jan 17, 2020
Book Page	001257/000405
Instrument	19000256

Lender

Name	RESIDENTIAL ALLIGATOR TR (PT)
Address	9773 S SHORE DR, SAND POINT, MI 48755-9675

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	24 Months
Due	Jan 16, 2022

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN FL
Recording Date	Oct 21, 2019
Property Address	680 ALLIGATOR DR, PANACEA, FL 32346-5102
Document Number	0019004767
Book / Page	001251 / 000735
Instrument Date	Sep 27, 2019
Instrument	19004767
Transaction Type	Transfer
Record Updated	Nov 13, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	9773 S SHORE DR SAND POINT MI 487559675, SAND POINT, MI 48755-9675

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	$4,977.00 (+16.91%)	$718,006 (+23.36%) Land $375,360 Building $342,646	$718,006 (+23.36%) Land $375,360 Building $342,646
2024	$4,257.00 (+7.85%)	$582,038 (+13.82%) Land $234,600 Building $347,438	$582,038 (+13.82%) Land $234,600 Building $347,438
2023	$3,947.00 (+9.7%)	$511,352 (+16.58%) Land $234,600 Building $276,752	$511,352 (+16.58%) Land $234,600 Building $276,752
2022	$3,598.00	$438,613 Land $234,600 Building $204,013	$438,613 Land $234,600 Building $204,013

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 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 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

680 Alligator Dr, Panacea, FL 32346 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

September 2026: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

August 2026: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

November 2023: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

March 2023: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

June 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

June 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

January 2020: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

October 2019: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Alligator Dr

Nearby Streets

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