965 W Pine Ave, Eastpoint, FL 32328 Property Records

Franklin County property record for 965 W Pine Ave, Eastpoint, FL 32328

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,812 sqft · built 1900
Lot Size	0.33 acres (14,415 sqft)
Owner	Individual Name on File
Last Sale	$232,500 (Sep 2016)
Tax Bill	$5,698 (2025)
Deeds & Mortgages	Mar 2021 Mortgage
Flood Zone	Zone AE (high risk)
APN	`29-09S-06W-7315-0079-0220`

Property Details

APN / Parcel Number

Primary APN	`29-09S-06W-7315-0079-0220`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,812 sqft Heated Area
Gross Area	3,616 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1900
Effective Year Built	Effective 2021
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	14,415 sqft
Lot Width	100 ft Width
Garage Type	Carport
Carport	Carport

Exterior Amenities

Porch	Porch
Porch Area	208 sqft
Fence	Fence
Boat House	312 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	965 W PINE AVE
City	EASTPOINT
State	FL
Zip	32328-2412
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	UNIT 5 BL 79 LOT 22 OR 148-415 1177/240
Legal Range	06W
Legal Township	09S
Legal Section	29
Legal Subdivision	ST GEORGE ISLAND GULF BCHS UN
Legal Block	79
Legal Lot Number	22
Legal Unit	5
Jurisdiction	FRANKLIN FL
Township / Civil Division	APALACHICOLA
Census Block Group	1
Census Block	1041
Census Tract	970304

Owner

965 W Pine Ave is owned by an individual who bought it in September 2016.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	11123 CROWN POINT DR, KNOXVILLE, TN 37934-4016
Owner Type	Individual

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	2 Names on Deed
Last Sale	Sep 23, 2016 · Amount on File
Deed Sale	Sep 23, 2016 · Amount on File
Deed Document Number	201619004565
Deed Book / Page	1177 / 240
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN FL
Property Address	965 W PINE AVE, EASTPOINT, FL 32328-2412
Transaction Type	Mortgage
Record Updated	Apr 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11123 CROWN POINT DR, KNOXVILLE, TN 37934-4016

Mortgage

Document Number	0019001787
Date	Mar 25, 2021
Book Page	1295/35
Instrument	202119001787

Lender

Name	FIRSTBANK
Type	Bank
Address	NASHVILLE, TN 37201

Agreement

Amount	Amount on Record
Term	84 Months
Due	Mar 2, 2028

Tax Assessment & Valuation

The 2025 property tax bill for 965 W Pine Ave was $5,698, up 3.2% 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	$5,698.00 (+3.24%)	$714,994 (-0.81%) Land $150,000 Building $564,994	$714,994 (-0.81%) Land $150,000 Building $564,994
2024	$5,519.00 (+4.15%)	$720,805 (+6.85%) Land $150,000 Building $570,805	$720,805 (+6.85%) Land $150,000 Building $570,805
2023	$5,299.00 (+8.56%)	$674,584 (+14.2%) Land $120,000 Building $554,584	$674,584 (+14.2%) Land $120,000 Building $554,584
2022	$4,881.00	$590,699 Land $75,000 Building $515,699	$590,699 Land $75,000 Building $515,699

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

Flood

FEMA maps place 965 W Pine Ave 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	11.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 997 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1,020 units insured incl. 23 condo units
Nearby Flood Claims	1,119 (1985–2024)
Claims Outside the SFHA	1 of 1,119
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Michael, Oct 2018 · 524 claims Hurricane Dennis, Jul 2005 · 335 claims Hurricane Opal, Oct 1995 · 58 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

The area around 965 W Pine Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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	WATER MGMT SERVICES (ST. GEORGE ISLAND) private · serves 5,272 people · EPA ID FL1190789
Water Source	Groundwater
Last State Inspection	Feb 2024
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids not recorded as resolved · Apr 2024 Total trihalomethanes resolved · Apr 2020
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 157 locations within half a mile, as of December 31, 2025

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