790 Bald Point Rd, Alligator Point (Panacea), FL 32346 Property Records

Franklin County property record for 790 Bald Point Rd, Alligator Point, FL 32346

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,220 sqft · built 1984
Lot Size	1.05 acres (45,738 sqft)
Owner	2 Company Names on Record
Last Sale	$900,000 (Dec 2024)
Tax Bill	$5,583 (2025)
Deeds & Mortgages	Feb 2023 Sale & Mortgage Nov 2018 Mortgage + 3 more
Flood Zone	Zone VE (high risk)
APN	`28-06S-01W-1020-0000-0480`

Property Details

APN / Parcel Number

Primary APN	`28-06S-01W-1020-0000-0480`
Alternative APN	`01W06S28102000000480`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,220 sqft Living Area
1st Floor Area	1,220 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 1984
Effective Year Built	Effective 2004
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	45,738 sqft (1.05 acres)
Lot Dimensions	232 ft deep x 100 ft wide
View / Lot	Gulf
Porch	Unfinished Open Porch
Porch Area	698 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	790 BALD POINT RD
City	ALLIGATOR POINT
State	FL
Zip	32346-5162
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 48 BALD POINT OR 183/601 184/10 188/18 209/48 222/394 319/19 550/88 562/209 732/144 732/149 1209/453 1209/454 1355/712 1407/329 1407/333
Legal Range	01W
Legal Township	06S
Legal Section	28
Legal Subdivision	BALD POINT ESTATES
Legal Lot Number	48
Jurisdiction	FRANKLIN FL
Township / Civil Division	CARRABELLE
Census Block Group	2
Census Block	2003
Census Tract	970102

Owner

Source: Franklin County records, as of January 16, 2026

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

Owner of Record	2 Company Names on Record
Mailing Address	6844 SW 96TH ST, PINECREST, FL 33156-3039
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Feb 8, 2023	Warranty Deed, Transfer · Conventional Mortgage SYNOVUS BANK
Nov 6, 2018	Deed of Trust, Mortgage · Conventional Mortgage MENGER FRED M TRUST (RT)
Nov 9, 2018	Warranty Deed, Transfer ATTORNEY ONLY
Jan 9, 2018	Warranty Deed, Transfer · Conventional Mortgage CAPITAL CITY BANK
Jan 9, 2018	Quit Claim Deed, Transfer WAKULLA TITLE COMPANY INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 18, 2024 · Amount on Record
Deed Sale	Dec 18, 2024 · Amount on Record
Prior Sale	Feb 8, 2023 · Amount on Record
Deed Document Number	20245846
Deed Book / Page	1407 / 333
Prior Transfer Date	Dec 6, 2024
Prior Transfer Doc	0019005845
Record Updated	Sep 20, 2026

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN FL
Recording Date	Feb 8, 2023
Property Address	790 BALD POINT RD, ALLIGATOR POINT, FL 32346-5162
Document Number	0019000600
Book / Page	1355 / 712
Map Reference	MB 2 PG 1
Instrument Date	Jan 25, 2023
Instrument	202319000600
Transaction Type	Transfer
Record Updated	Feb 16, 2024
Title Company	WAKULLA TITLE COMPANY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,250.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1189 CHURCH ST SE, COVINGTON, GA 30014-2384

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	790 BALD POINT RD, ALLIGATOR POINT, FL 32346-5162

Mortgage

Document Number	0000000715
Date	Feb 8, 2023
Instrument	1355/715

Lender

Name	SYNOVUS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.12%
Type Change Date	Mar 1, 2028
Change Frequency	Annually
Min Rate At Change	3.12%
Max Rate At Change	7.12%
Index	1-Year T-Bill
Max Rate	10.1%

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN FL
Property Address	790 BALD POINT RD, PANACEA, FL 32346-5162
Document Number	0019005485
Instrument Date	Nov 6, 2018
Transaction Type	Mortgage
Record Updated	Dec 27, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 1796 WEST BABYLON NY 117040796, WEST BABYLON, NY 11704-0796

Mortgage

Document Number	0019005485
Date	Nov 26, 2018
Book Page	001231/000340
Instrument	19005485

Lender

Name	MENGER FRED M TRUST (RT)
Address	2615 FAIROAKS RD, DECATUR, GA 30033-1441

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	36 Months
Due	Nov 25, 2021

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN FL
Recording Date	Nov 9, 2018
Property Address	790 BALD POINT RD, PANACEA, FL 32346-5162
Document Number	0019005291
Book / Page	001230 / 000613
Instrument Date	Aug 30, 2018
Instrument	19005291
Transaction Type	Transfer
Record Updated	Dec 7, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$1,050.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 1796 WEST BABYLON NY 117040796, WEST BABYLON, NY 11704-0796

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN FL
Recording Date	Jan 9, 2018
Property Address	790 BALD POINT RD, PANACEA, FL 32346-5162
Document Number	0019000099
Book / Page	1209 / 454
Map Reference	MB2 PG1
Instrument Date	Jan 4, 2018
Instrument	201819000099
Transaction Type	Transfer
Record Updated	Jan 25, 2022
Title Company	WAKULLA TITLE CO INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,800.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2615 FAIROAKS RD, 2615, DECATUR, GA 30033-1441

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1189 CHURCH ST SE, COVINGTON, GA 30014-2384

Mortgage

Document Number	0019000100
Date	Jan 9, 2018
Instrument	201819000100

Lender

Name	CAPITAL CITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	362 Months
Due	Mar 1, 2048

January 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN FL
Recording Date	Jan 9, 2018
Property Address	790 BALD POINT RD, PANACEA, FL 32346-5162
Document Number	0019000098
Book / Page	001209 / 000453
Instrument Date	Jan 4, 2018
Instrument	19000098
Transaction Type	Transfer
Record Updated	Jan 24, 2018
Title Company	WAKULLA TITLE COMPANY INC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	2615 FAIROAKS RD DECATUR GA 300331441, DECATUR, GA 30033-1441

Tax Assessment & Valuation

Source: Franklin County assessment roll, as of November 26, 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	$5,583.00 (-22.24%)	$592,850 (-21.61%) Land $295,000 Building $297,850	$592,850 (-21.61%) Land $295,000 Building $297,850
2024	$7,180.00 (+26.34%)	$756,325 (+16.84%) Land $295,000 Building $461,325	$756,325 (+16.84%) Land $295,000 Building $461,325
2023	$5,683.00 (+4.74%)	$647,291 (+6%) Land $295,000 Building $352,291	$647,291 (+6%) Land $295,000 Building $352,291
2022	$5,426.00	$610,661 Land $280,000 Building $330,661	$610,661 Land $280,000 Building $330,661

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 VE high risk · coastal, wave action
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	18.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record 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

Coastal Barrier Resources

Source: USFWS Coastal Barrier Resources System, as of December 19, 2024

Coastal Barrier Resources System	Yes
Unit	P27A “Ochlockonee”
Unit Type	System Unit
Designated	Oct 18, 1982
NFIP Eligibility	Not eligible (built 1984) built after the Oct 1, 1983 cutoff · private flood insurance only

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	Moderate above 58% of the US · lower than 68% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	25 / 3
Fidium Fiber DSL	10 / 1

Cell Coverage

4G LTE only, no 5G reported

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