Franklin County property record for 716 Three Rivers Rd, Carrabelle, FL 32322
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 600 sqft · built 1964 |
| Lot Size | 0.132 acres (5,750 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $62,500 (Jul 2015) |
| Tax Bill | $94 (2025) |
| Deeds & Mortgages | Jan 2019 Mortgage Sep 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 19-07S-04W-4250-000A-0090 |
| Primary APN | 19-07S-04W-4250-000A-0090 |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 600 sqft Heated Area |
| Interior Walls | Wood |
| Year Built | Built 1964 |
|---|---|
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 5,750 sqft (0.132 acres) |
| Lot Dimensions | 109 ft deep x 53 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 716 THREE RIVERS RD |
|---|---|
| City | CARRABELLE |
| State | FL |
| Zip | 32322-2051 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BL A LOT 9 THREE RIVERS SUB ORB 88 PAGE 20 OR 228/137 760/762 1149/189 |
| Legal Range | 04W |
| Legal Township | 07S |
| Legal Section | 19 |
| Legal Subdivision | THREE RIVERS SUB |
| Legal Block | A |
| Legal Lot Number | 9 |
| Jurisdiction | FRANKLIN FL |
| Township / Civil Division | CARRABELLE |
| Census Block Group | 3 |
| Census Block | 3096 |
| Census Tract | 970102 |
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 |
|---|---|
| Mailing Address | 716 THREE RIVERS RD, CARRABELLE, FL 32322-2051 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 8, 2019 | Deed of Trust, Mortgage JANALYN DOWDEN |
| Sep 17, 2018 | Warranty Deed, Transfer · Conventional with PMI JANALYN DOWDEN |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 27, 2015 · Amount on Record |
| Deed Sale | Jul 27, 2015 · Amount on Record |
| Prior Sale | May 5, 2011 · Amount on Record |
| Deed Document Number | 0001149189 |
| Deed Book / Page | 1149 / 189 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN FL |
| Property Address | 716 THREE RIVERS RD, CARRABELLE, FL 32322-2051 |
| Document Number | 0019000120 |
| Instrument Date | Jan 8, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 1, 2019 |
| Title Company | ATTORNEY ONLY |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 719 GEORGIA AVE CARRABELLE FL 32322, CARRABELLE, FL 32322 |
| Document Number | 0019000120 |
|---|---|
| Date | Jan 9, 2019 |
| Book Page | 001233/000429 |
| Instrument | 19000120 |
| Name | JANALYN DOWDEN |
|---|---|
| Address | PO BOX 17, CARRABELLE, FL 32322-0017 |
| Amount | Amount Recorded |
|---|---|
| Term | 60 Months |
| Due | Jan 8, 2024 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FRANKLIN FL |
| Recording Date | Sep 17, 2018 |
| Property Address | 716 THREE RIVERS RD, CARRABELLE, FL 32322-2051 |
| Document Number | 0019004610 |
| Book / Page | 001228 / 000120 |
| Instrument Date | Aug 28, 2018 |
| Instrument | 19004610 |
| Transaction Type | Transfer |
| Record Updated | Feb 11, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $840.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 719 GEORGIA AVE CARRABELLE FL 32322, CARRABELLE, FL 32322 |
| Document Number | 19004611 |
|---|---|
| Date | Sep 17, 2018 |
| Book Page | 001228/000122 |
| Instrument | 19004611 |
| Name | JANALYN DOWDEN |
|---|---|
| Address | PO BOX 17, CARRABELLE, FL 32322-0017 |
| Special Notes | Seller Financed |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Sep 16, 2023 |
Source: Franklin County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Franklin County |
| Municipality | Carrabelle City |
| Unified School District | Franklin County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $94.00 (-73.22%) Homeowner's exemption Additional exemption filed | $47,502 (+2.9%) | $97,034 (+10.69%) Land $25,850 Building $71,184 |
| 2024 | $351.00 (+4.46%) Homeowner's exemption | $46,163 (+3%) | $87,660 (+29.15%) Land $15,900 Building $71,760 |
| 2023 | $336.00 (+5.33%) Homeowner's exemption | $44,818 (+3%) | $67,872 (+27.73%) Land $10,600 Building $57,272 |
| 2022 | $319.00 Homeowner's exemption | $43,513 | $53,136 Land $10,600 Building $42,536 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective April 23, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 22 policies |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 22 in force |
| Nearby Flood Claims | 2 (2005–2018) |
| Most Recent Claim | Oct 2018 · Hurricane Michael |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 76% of the US · above 63% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF CARRABELLE WATER SYSTEM serves 3,690 people · EPA ID FL1190118 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2025 |
| Lead | 2 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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.
Source: FCC Broadband Data Collection, based on 52 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Xtream Cable | 1,000 / 50 |
| Starlink Satellite | 280 / 30 |
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