Franklin County property record for 7 Cobia St, Panacea, FL 32346 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,320 sqft · built 2021 |
| Lot Size | 0.163 acres (7,100 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $50,000 (Apr 2018) |
| Tax Bill | $2,597 (2025) |
| Deeds & Mortgages | Jan 2021 Mortgage Apr 2018 Sale & Line of Credit |
| Flood Zone | Zone VE (high risk) |
| APN | 28-06S-01W-1051-0008-0710 |
| Primary APN | 28-06S-01W-1051-0008-0710 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,320 sqft Living Area |
| 1st Floor Area | 1,320 sqft |
| Flooring | Tile |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 7,100 sqft (0.163 acres) |
| Lot Dimensions | 95 ft deep x 75 ft wide |
| Porch | Finished/Open Porch |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 7 COBIA ST |
|---|---|
| City | PANACEA |
| State | FL |
| Zip | 32346-5207 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | UNIT 1 BL 8 LOT 71 OR 153/466 1174/227 1214/767 |
| Legal Subdivision | 1051 |
| Legal Block | 8 |
| Legal Lot Number | 71 |
| Jurisdiction | FRANKLIN FL |
| Township / Civil Division | CARRABELLE |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 970102 |
Source: Franklin County records · APN 28-06S-01W-1051-0008-0710
Assessment roll updated November 26, 2025 · Last verified April 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 File |
|---|---|
| Mailing Address | 7 COBIA ST, ALLIGATOR POINT, FL 32346-5207 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 28, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PRIME MERIDIAN BANK |
| Apr 02, 2018 | Warranty Deed, Transfer · Line of Credit FARM CREDIT SVCS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 02, 2018 · Amount on Record |
| Deed Sale | Apr 02, 2018 · Amount on Record |
| Deed Document Number | 20181483 |
| Deed Book / Page | 1214 / 767 |
| Prior Transfer Date | Aug 02, 2016 |
| Prior Transfer Doc | 0019003774 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN FL |
| Property Address | 7 COBIA ST, ALLIGATOR POINT, FL 32346-5207 |
| Transaction Type | Mortgage |
| Record Updated | Jan 06, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0019000503 |
|---|---|
| Date | Jan 28, 2021 |
| Book Page | 1288/396 |
| Instrument | 202119000503 |
| Name | PRIME MERIDIAN BANK |
|---|---|
| Type | Bank |
| Address | TALLAHASSEE, FL 32312 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 373 Months |
| Due | Feb 01, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.5% |
| Type Change Date | Feb 01, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 3% |
| Max Rate At Change | 6.5% |
| Index | 1-Year CMT |
| Margin | 3 |
| Max Rate | 9.5% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FRANKLIN FL |
| Recording Date | Apr 02, 2018 |
| Property Address | 7 COBIA ST, PANACEA, FL 32346-5207 |
| Document Number | 0019001483 |
| Book / Page | 001214 / 000767 |
| Instrument Date | Mar 29, 2018 |
| Instrument | 19001483 |
| Transaction Type | Transfer |
| Record Updated | Apr 26, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $350.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1521 AFFIRMED DR COLUMBIA MO 652024838, COLUMBIA, MO 65202-4838 |
| Document Number | 19001484 |
|---|---|
| Date | Apr 02, 2018 |
| Book Page | 001214/000769 |
| Instrument | 19001484 |
| Name | FARM CREDIT SVCS |
|---|---|
| Type | Funding / Finance Company |
| Address | MARIANNA, FL 32447-7000 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Apr 01, 2028 |
| Rate Type | Adjustable Rate |
|---|
Source: Franklin County records · Assessment roll updated November 26, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Franklin County |
| Unified School District | Franklin County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,597.00 (+2.04%) Homeowner's exemption | $318,575 (+2.9%) | $415,114 (-0.8%) Land $90,000 Building $325,114 |
| 2024 | $2,545.00 (-0.51%) Homeowner's exemption | $309,597 (+3%) | $418,466 (+35.65%) Land $90,000 Building $328,466 |
| 2023 | $2,558.00 (+0.67%) Homeowner's exemption | $300,580 (+3%) | $308,487 (+5.71%) Land $62,000 Building $246,487 |
| 2022 | $2,541.00 Homeowner's exemption | $291,825 Land $62,000 Building $229,825 | $291,825 Land $62,000 Building $229,825 |
Source: FEMA National Flood Hazard Layer, Franklin County (12037C), updated April 23, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120379701022, refreshed September 2026 · USFWS Coastal Barrier Resources System, December 19, 2024 release · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone VE coastal, wave action |
|---|---|
| Special Flood Hazard Area | Yes |
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 17.0 ft |
| Coastal | Yes |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Flood Insurance Cost | Premium on Record median of 293 individual NFIP policies nearby |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 329 units insured (36 under condo master policies) 105 of 293 individual policies on primary residences |
| Nearby Flood Claims | 72 (2005–2024) |
| Most Recent Claim | Sep 2024, tidal / storm surge, Hurricane Helene |
| Flood Events |
|
| Coastal Barrier Resources System | Yes |
|---|---|
| Unit | P27A “Ochlockonee” |
| Unit Type | System Unit |
| Designated | November 16, 1990 |
| NFIP Eligibility | Not eligible (built 2021) built after the November 16, 1990 cutoff · private flood insurance only |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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.
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