78 11th St, Apalachicola, FL 32320 Property Records

Franklin County property record for 78 11th St, Apalachicola, FL 32320

Property Summary

Property Type	Commercial
Details	12 bd · 6 ba · 4,288 sqft · built 1953
Lot Size	0.42 acres (18,296 sqft)
Owner	Company Name on Record
Last Sale	$445,000 (Jun 2004)
Tax Bill	$6,035 (2025)
Deeds & Mortgages	Dec 2019 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`01-09S-08W-8330-0049-0030`

Property Details

APN / Parcel Number

Primary APN	`01-09S-08W-8330-0049-0030`
Alternative APN	`08W09S01833000490030`

Interior

Bedrooms	12 Beds
Full Baths	6 Baths
Total Rooms	15 Rooms
Units	2 Units
Stories	1 Story
Building Area	4,288 sqft Gross Area
1st Floor Area	4,288 sqft
Flooring	Cork

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	Contemporary
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	18,296 sqft (0.42 acres)
Lot Width	60 ft Width
Driveway	Driveway
Driveway Area	310 sqft
Porch	Finished/Open Porch
Porch Area	172 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	78 11TH ST
City	APALACHICOLA
State	FL
Zip	32320-2028
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	BL 49 NE 40 FT LOT 3 & ALL LOTS 4 5 APALACHICOLA OR 215/197 798/509 1401/684
Legal Subdivision	APALACHICOLA
Legal Block	49
Legal Lot Number	3,4
Jurisdiction	FRANKLIN FL
Township / Civil Division	APALACHICOLA
Census Block Group	2
Census Block	2059
Census Tract	970304

Owner

Source: Franklin County records, as of March 30, 2026

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

Owner of Record	Company Name on Record
Mailing Address	78 11TH ST, APALACHICOLA, FL 32320-2028
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2004 · Amount on Record
Deed Sale	Jun 30, 2004 · Amount on Record
Prior Sale	Aug 8, 2002 · Amount on Record
Deed Book / Page	798 / 509
Last Transfer Date	Sep 17, 2024
Transfer Doc	0000004565
Record Updated	Jun 8, 2026

December 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	FRANKLIN FL
Property Address	HWY 98 11TH ST, APALACHICOLA, FL 32320
Document Number	0019005530
Instrument Date	Dec 5, 2019
Transaction Type	Mortgage
Record Updated	Jan 21, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	78 11TH ST APALACHICOLA FL 323202028, APALACHICOLA, FL 32320-2028

Mortgage

Document Number	0019005530
Date	Dec 13, 2019
Book Page	001255/000242
Instrument	19005530

Lender

Name	PEOPLESSOUTH BK
Type	Bank
Address	MARIANNA, FL 32448

Agreement

Amount	Amount Recorded
Term	36 Months
Due	Dec 12, 2022

Tax Assessment & Valuation

Source: Franklin County assessment roll, as of November 26, 2025

Property Jurisdictions

Type	Name
State	Florida
Municipality	Apalachicola City
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	$6,035.00 (-0.61%)	$342,839 (-) Land $256,000 Building $86,839	$342,839 (-) Land $256,000 Building $86,839
2024	$6,072.00 (+2.12%)	$342,839 (-) Land $256,000 Building $86,839	$342,839 (-) Land $256,000 Building $86,839
2023	$5,946.00 (+9.91%)	$342,839 (+16.28%) Land $256,000 Building $86,839	$342,839 (+16.28%) Land $256,000 Building $86,839
2022	$5,410.00	$294,839 Land $208,000 Building $86,839	$294,839 Land $208,000 Building $86,839

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

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 75 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	75 in force
Nearby Flood Claims	40 (1985–2024)
Claims Outside the SFHA	8 of 40
Most Recent Claim	Sep 2024 · Hurricane Helene
Claims by Event	Hurricane Michael, Oct 2018 · 9 claims Hurricane Dennis, Jul 2005 · 6 claims Hurricane Opal, Oct 1995 · 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	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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	CITY OF APALACHICOLA serves 5,235 people · EPA ID FL1190150
Water Source	Groundwater
Last State Inspection	Mar 2025
Lead	3 ppb (2023) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	Total trihalomethanes not recorded as resolved · Apr 2022
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 310 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20