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903 NE 7th St, Carrabelle, FL 32322 Property Records

Franklin County property record for 903 NE 7th St, Carrabelle, FL 32322

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,177 sqft · built 2008
Lot Size0.114 acres (4,966 sqft)
OwnerIndividual Name on File
Last Sale$185,000 (Oct 2021)
Tax Bill$2,056 (2025)
Deeds & MortgagesOct 2021 Sale & Mortgage
May 2021 Mortgage
+ 1 more
Flood ZoneZone AE (high risk)
APN20-07S-04W-4212-0028-0150

Property Details

APN / Parcel Number

Primary APN20-07S-04W-4212-0028-0150

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,177 sqft Heated Area
Gross Area1,252 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2008
Exterior MaterialAluminum/Vinyl
Construction TypeFrame
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area4,966 sqft (0.114 acres)
Lot Dimensions100 ft deep x 50 ft wide
PorchOpen Porch
Porch Area75 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address903 NE 7TH ST
CityCARRABELLE
StateFL
Zip32322-6103
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionBL 28 187 LOT 15 KEOUGHS SECOND ADDITION 295/324 604/429 878/757 929/55 942/369 958/253 986/197 1318/26
Legal Range04W
Legal Township07S
Legal Section20
Legal SubdivisionKEOUGHS SECOND ADDITION
Legal Block28
Legal Lot Number15
JurisdictionFRANKLIN FL
Township / Civil DivisionCARRABELLE
Census Block Group1
Census Block1007
Census Tract970101

Owner

903 NE 7th St is owned and occupied by an individual who bought it in October 2021.

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

Owner of RecordIndividual Name on File
Mailing Address903 NE 7TH ST, CARRABELLE, FL 32322-6103
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Oct 29, 2021Warranty Deed, Transfer · Conventional Mortgage
HOMEBRIDGE FINANCIAL SERVICES INC
May 18, 2021Deed of Trust, Mortgage · Unknown
WILMINGTON SAVINGS FUND SOCIETY FSB
Feb 22, 2019Loan Modification, Mortgage · Conventional with PMI
JP MORGAN CHASE BK

Assessor's Deed Record

Deed NamesName on Deed
Last SaleOct 29, 2021 · Amount on File
Deed SaleOct 29, 2021 · Amount on File
Prior SaleApr 13, 2009 · Amount on File
Deed Document Number202119006775
Deed Book / Page1318 / 26
Record UpdatedJun 8, 2026

October 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionFRANKLIN FL
Recording DateOct 29, 2021
Property Address903 NE 7TH ST, CARRABELLE, FL 32322-6103
Document Number0019006775
Book / Page1318 / 26
Map ReferenceMB 2 PG 20
Instrument DateOct 29, 2021
Instrument202119006775
Transaction TypeTransfer
Record UpdatedNov 30, 2021
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,295.00
Amount AccuracyRounded by County
Additional
  • Lis Pendens
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address903 NE 7TH ST, 903, CARRABELLE, FL 32322-6103

Transferred To (Grantee/Buyer)

NameVerified Name
Address903 NE 7TH ST, CARRABELLE, FL 32322-6103

Mortgage

Document Number0000000028
DateOct 29, 2021
Instrument1318/28
Lender
NameHOMEBRIDGE FINANCIAL SERVICES INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueNov 1, 2051

May 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionFRANKLIN FL
Property Address903 NE 7TH ST, CARRABELLE, FL 32322-6103
Transaction TypeMortgage
Record UpdatedJun 16, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0019003120
DateMay 18, 2021
Book Page1301/298
Instrument202119003120
Lender
NameWILMINGTON SAVINGS FUND SOCIETY FSB
TypeBank
AddressANAHEIM, CA 92806
Agreement
TypeUnknown
AmountAmount on Record

February 2019: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionFRANKLIN FL
Property Address903 NE 7TH ST, CARRABELLE, FL 32322-6103
Document Number0019000744
Instrument DateFeb 22, 2019
Transaction TypeMortgage
Record UpdatedMar 20, 2019

Transferred To (Grantee/Buyer)

NameVerified Name
Address903 NE 7TH ST CARRABELLE FL 323226103, CARRABELLE, FL 32322-6103

Mortgage

Document Number0019000744
DateFeb 22, 2019
Book Page001236/000001
Instrument19000744
Lender
NameJP MORGAN CHASE BK
TypeBank
AddressCOLUMBUS, OH 43219-6009
Agreement
TypeConventional with PMI
AmountAmount on Record
Term360 Months
DueFeb 21, 2049
Interest
Rate TypeAdjustable Rate
Rate4.62%

Tax Assessment & Valuation

The 2025 property tax bill for 903 NE 7th St was $2,056 with a homeowner's exemption, up 4.4% from the year before.

Source: Franklin County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,056.00 (+4.42%) Homeowner's exemption$167,028 (+2.9%)$243,602 (-1.46%) Land $4,800 Building $238,802
2024$1,969.00 (+1.81%) Homeowner's exemption$162,321 (+3%)$247,211 (+21.7%) Land $5,500 Building $241,711
2023$1,934.00 (+2.38%) Homeowner's exemption$157,593 (+3%)$203,131 (+32.76%) Land $10,000 Building $193,131
2022$1,889.00 Homeowner's exemption$153,003 Land $10,000 Building $143,003$153,003 Land $10,000 Building $143,003

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

Flood

FEMA maps place 903 NE 7th St 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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation15.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 43 individual policies
Community Rating SystemClass 10 (0% premium discount)
Nearby Flood Policies72 units insured
incl. 29 condo units
Nearby Flood Claims7 (2018)
Most Recent ClaimOct 2018 · Hurricane Michael
Claims by Event
  • Hurricane Michael, Oct 2018 · 7 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 903 NE 7th St is high, ranking above 85% of the US, with a 0.5% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskHigh
above 85% of the US · above 77% of Florida
Wildfire Likelihood0.5% annual chance
ExposureDirect
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 SystemCITY OF CARRABELLE WATER SYSTEM
serves 3,690 people · EPA ID FL1190118
Water SourceGroundwater
Last State InspectionMar 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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 44 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Mediacom Xtream
Cable		1,000 / 50

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