788 Alligator Dr, Alligator Point (Panacea), FL 32346 Property Records

Franklin County property record for 788 Alligator Dr, Alligator Point, FL 32346

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,574 sqft · built 1954
Lot Size	0.642 acres (28,009 sqft)
Owner	Owner Name on File
Last Sale	$115,000 (Feb 2011)
Tax Bill	$1,161 (2025)
Deeds & Mortgages	Oct 2017 Mortgage
Flood Zone	Zone AE (high risk)
APN	`05-07S-01W-0000-0170-0000`

Property Details

APN / Parcel Number

Primary APN	`05-07S-01W-0000-0170-0000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,574 sqft Heated Area
Gross Area	1,981 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1984
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	28,009 sqft (0.642 acres)
Lot Dimensions	330 ft deep x 85 ft wide
Garage Area	407 sqft
Porch	Porch
Porch Area	252 sqft
Mobile Home / RV Hookup	Mobile Home / RV Hookup

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	788 ALLIGATOR DR
City	ALLIGATOR POINT
State	FL
Zip	32346-5104
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4 RECD OR/8/329 UN RECD PL R E KESTNER & E 25 FT LOT 5 721/11 729/229 815/706 1007/730 1028/709
Legal Range	01W
Legal Township	07S
Legal Section	05
Legal Subdivision	RE KESTNER
Legal Lot Number	4
Jurisdiction	FRANKLIN FL
Township / Civil Division	CARRABELLE
Census Block Group	2
Census Block	2010
Census Tract	970102

Owner

The current owner of 788 Alligator Dr bought it in February 2011.

Source: Franklin County records, as of January 5, 2026

Owner of Record	Owner Name on File
Mailing Address	CARRABELLE, FL 32322
Occupancy	Owner Occupied

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 1, 2011 · Amount on File
Deed Sale	Feb 1, 2011 · Amount on File
Prior Sale	Mar 10, 2003 · Amount on File
Deed Document Number	201119009113
Deed Book / Page	1028 / 709
Record Updated	Jun 8, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN FL
Property Address	788 ALLIGATOR DR, ALLIGATOR POINT, FL 32346-5104
Transaction Type	Mortgage
Record Updated	Jan 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0019005314
Date	Oct 18, 2017
Book Page	1204/378
Instrument	201719005314

Lender

Name	AMERIS BANK
Type	Bank
Address	CRAWFORDVILLE, FL 32327

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 12, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 788 Alligator Dr was $1,161 with a homeowner's exemption, up 1.7% from the year before.

Source: Franklin County assessment roll, as of July 1, 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	$1,161.00 (+1.66%) Homeowner's exemption	$142,139 (+2.9%)	$267,422 (-0.71%) Land $112,200 Building $155,222
2024	$1,142.00 (-0.09%) Homeowner's exemption	$138,133 (+3%)	$269,329 (+13.29%) Land $112,200 Building $157,129
2023	$1,143.00 (+1.15%) Homeowner's exemption	$134,110 (+3%)	$237,731 (+15.79%) Land $112,200 Building $125,531
2022	$1,130.00 Homeowner's exemption	$130,204	$205,316 Land $112,200 Building $93,116

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

Flood

FEMA maps place 788 Alligator Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective April 23, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	15.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File 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

Wildfire risk around 788 Alligator Dr is high, ranking above 76% of the US, with a 0.2% annual chance of wildfire.

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	0.2% 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.

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 16 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