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75 Commerce St, Apalachicola, FL 32320 Property Records

Franklin County property record for 75 Commerce St, Apalachicola, FL 32320 · Last verified February 2026

Property Summary

Property TypeRestaurant
Details3 ba · 4,500 sqft · built 1920
Lot Size0.054 acres (2,360 sqft)
OwnerCompany Name on File
Last Sale$1,800,000 (Jan 2026)
Tax Bill$14,296 (2025)
Deeds & MortgagesJan 2026 Sale & Mortgage
Jan 2017 Loan Modification
+ 1 more
Flood ZoneZone AE (high risk)
APN01-09S-08W-8330-00E1-0190

Property Details

APN / Parcel Number

Primary APN01-09S-08W-8330-00E1-0190

Interior

Full Baths3 Baths
Total Rooms1 Room
Stories2 Stories
Building Area4,500 sqft Total Area
FlooringSoftwood
Interior WallsCustom/Decorative
ElevatorElevator

Exterior

Year BuiltBuilt 1920
Effective Year BuiltEffective 2022
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Fire ResistanceMasonry Walls, Wood Interior
Roof TypeWood Truss
Roof MaterialMetal
Lot Area2,360 sqft
Lot Width30 ft Width
PorchOpen Porch
Porch Area516 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address75 COMMERCE ST
CityAPALACHICOLA
StateFL
Zip32320-1740
Property CategoryCommercial
Property TypeCommercial > Retail > Restaurant
Legal DescriptionBL E-1 LOT 19 OR/387/95 571/28 594/138 817/358 1338/16
Legal Range08W
Legal Township09S
Legal Section01
Legal SubdivisionCITY/APALACHICOLA
Legal BlockE-1
Legal Lot Number19
JurisdictionFRANKLIN FL
Township / Civil DivisionAPALACHICOLA
Census Block Group3
Census Block3007
Census Tract970304

Owner

Source: Franklin County records · APN 01-09S-08W-8330-00E1-0190

Assessment roll updated July 1, 2025 · Last verified February 2026

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

Owner of RecordCompany Name on File
Mailing Address12627 FRONT BEACH RD, PANAMA CITY BEACH, FL 32407-3307
Owner TypeCompany

Deeds, Mortgages & Sale History

DateDocument
Jan 13, 2026Warranty Deed, Transfer
UNITED COMMUNITY BANK
Jan 26, 2017Loan Modification, Mortgage
NOT AVAILABLE
Jan 26, 2017Loan Modification, Mortgage
NOT AVAILABLE

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJan 13, 2026 · Amount on Record
Deed SaleJan 13, 2026 · Amount on Record
Prior SaleJun 03, 2022 · Amount on Record
Deed Document Number202619000135
Deed Book / Page1435 / 714
Record UpdatedJun 08, 2026

January 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionFRANKLIN FL
Recording DateJan 13, 2026
Property Address75 COMMERCE ST, APALACHICOLA, FL 32320-1740
Document Number0019000135
Book / Page1435 / 714
Instrument DateJan 12, 2026
Instrument202619000135
Transaction TypeTransfer
Record UpdatedFeb 13, 2026
Title CompanyATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$12,600.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
AddressPO BOX 399, APALACHICOLA, FL 32329-0399

Transferred To (Grantee/Buyer)

NameVerified Name
Address12627 FRONT BEACH RD, PANAMA CITY BEACH, FL 32407-3307

Mortgage

Document Number0019000136
DateJan 13, 2026
Book Page1435/717
Instrument202619000136
Lender
NameUNITED COMMUNITY BANK
TypeBank
AddressPANAMA CITY, FL 32405
Agreement
AmountAmount Recorded
Term60 Months
DueJan 12, 2031

January 2017: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionFRANKLIN FL
Property Address75 COMMERCE ST, APALACHICOLA, FL 32320-1740
Document Number0019000813
Instrument DateJan 26, 2017
Transaction TypeMortgage
Record UpdatedMar 07, 2017
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address15 AVENUE D APALACHICOLA FL 323201719, APALACHICOLA, FL 32320-1719

January 2017: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionFRANKLIN FL
Property Address75 COMMERCE ST, APALACHICOLA, FL 32320-1740
Document Number0019000815
Instrument DateJan 26, 2017
Transaction TypeMortgage
Record UpdatedNov 16, 2018
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address15 AVENUE D APALACHICOLA FL 323201719, APALACHICOLA, FL 32320-1719

Tax Assessment & Valuation

Source: Franklin County records · Assessment roll updated July 1, 2025 · Last verified February 2026

Property Jurisdictions

TypeName
StateFlorida
MunicipalityApalachicola City
CountyFranklin County
Unified School DistrictFranklin County School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$14,296.00 (-1.43%)$812,115 (-0.81%) Land $150,000 Building $662,115$812,115 (-0.81%) Land $150,000 Building $662,115
2024$14,503.00 (+2.73%)$818,746 (+4.92%) Land $150,000 Building $668,746$818,746 (+4.92%) Land $150,000 Building $668,746
2023$14,118.00 (+181.18%)$780,376 (+158.77%) Land $105,000 Building $675,376$780,376 (+158.77%) Land $105,000 Building $675,376
2022$5,021.00$301,576 Land $90,000 Building $211,576$301,576 Land $90,000 Building $211,576

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Franklin County (12037C), updated April 23, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120379703043, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone AE
Special Flood Hazard AreaYes
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation13.0 ft
Flood Insurance RequirementRequired (federally backed mortgages)
Flood Insurance CostPremium on Record
median of 55 individual NFIP policies nearby
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies85 units insured
30 under condo master policies
Nearby Flood Claims65 (1985–2020)
Claims Outside the SFHA7 of 65
Most Recent ClaimSep 2020, rainfall accumulation, Hurricane Sally
Claims By Storm
  • Hurricane Michael, Oct 2018 · 25 claims
  • Hurricane Dennis, Jul 2005 · 13 claims
  • Hurricane Kate, Nov 1985 · 9 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 39 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Mediacom CommunicationsCable1,000 / 50
AT&TFixed Wireless100 / 20

May also be available at this address: Mediacom Communications, T-Mobile USA. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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