SingleFamilyResidence in Historic South Side, Apalachicola
Historic South Side · Apalachicola, FL 32320 · Franklin County
Listing data checked against the MLS November 14, 2026 at 8:50 AM ET · rechecked hourly
Listed by Beach Properties Real Estate (MLS) · Page maintained by Momentum Realty (EAB RE Investments LLC) · Brittany Brooks, broker of record
5Bedrooms
5Bathrooms
1925Year Built
5 bedrooms
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
Buyer leverage
Balanced market
328 days on market
Zone AE
Flood risk
Confirm requirements with FEMA; ~10 ft elevation
$2k–$5k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
20 4th Street in Historic South Side, Apalachicola is listed at $549,000. It has been listed Dec 17, 2025. Listing facts: built in 1925. The parcel maps to FEMA flood zone AE, a special flood hazard area where lenders generally require flood insurance. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
Built 1925 · 101 yrs
listed Dec 17, 2025
Listing description
About this home
HISTORIC RENTAL GEM!! The distinguished Taranto House is named for the Taranto family & dates back to circa 1880. A beautifully restored historic treasure in the heart of enchanting Apalachicola, this 5-bedroom/5-bath residence seamlessly blends turn-of-the-century character with modern comfort, offering a rare opportunity to own a piece of local history.
Perfectly positioned in the walkable downtown district, the home features five individually designed rooms, each with its own charm & each rented individually for maximum rental potential. Thoughtfully preserved to honor its historic integrity, the home has been updated with contemporary conveniences that enhance its appeal. Inviting shared spaces—including a comfortable common area & kitchen—reflect its hospitality roots while providing residential ease.
From the lofty porches, enjoy glimpses of Apalachicola Bay & immediate access to the Big Bend Scenic Byway Coastal Trail. Just steps from galleries, cafes, boutiques & the waterfront, the location could not be more ideal. Shaded porches & quiet garden corners invite you to linger beneath moss-draped oaks, savoring coastal breezes & southern charm.
For locals, the preferred method of travel is, bar none, by golf cart. Easy to drive, easy to park & the perfect way to let your hair down. Golf carts are a celebrated part of daily life here—often with a dog or two happily riding along offering the chance to explore more of Apalachicola's hidden nooks & crannies.
Whether enjoyed as a private residence or continued as a sought-after rental, this home offers both charm & versatility. Embrace the Apalachicola lifestyle—stroll to seafood markets, sip your morning coffee on the porch, explore local art studios & watch golden sunsets melt into the bay. This is more than a home—it's a living legacy.
Don't miss your chance to own this one-of-a-kind treasure in a town defined by timeless beauty. Call for your private tour & LIVE THE BEACH LIFE!!
All 54 photos
Description provided by Beach Properties Real Estate and reproduced from the MLS; not independently verified.
Comparable closed sales for this home are unavailable right now, so this page shows no comparable-sales median or automated estimate for Historic South Side. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.
Property facts & sources
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$549,000
Bed / bath5 / 5
Year built1925
Property typeSingleFamilyResidence
MLS #779623
Listing statuslisted Dec 17, 2025
Public records & third-party data
FEMA flood zoneZone AE
Ground elevation~10 ft
CountyFranklin
Area listings1 active · 0 under contract
Estimated first-year tax~$9,075/yr
CDD assessmentNone on record
HOANot reported
Calculated estimates
Estimated monthly payment$4,029
Insurance (illustrative)$2k–$5k/yr
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Financing
Estimated monthly payment
$4,029/mo
Principal & interest $2,975/mo74%
Taxes $756/mo19%
Insurance $298/mo7%
$4,029/mo at 20% down, 30-yr @ 7.18% · edit any field to update.
Estimate: asking price less the $50,000 homestead exemption × Franklin County rate (18.21 mills, county-average millage, 2025; verify with the property appraiser). Not a bill.
⚠️
Property taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
Current owner’s estimated bill $5,150/yr ($429/mo) — taxable value $283,130 × 18.21 mills
$3,925 more each year
(+76%)
The current owner’s taxable value is below today’s asking price; after a sale the assessment is set from market value, so the estimated bill is higher. Exemptions and portability can reduce it.
$283,130
Market value
$283,130
Assessed
$283,130
Taxable
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Sources: Florida DOR certified tax roll (2025), Central Panhandle AR; millage: Florida TaxWatch 2025 How Florida Counties Compare (county-average millage); school portion estimated at ~42% of total, capped at 6.50 mills. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
What it really costs to own 20 4Th Street
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
Property tax
The current owner's bill is about $5,150/yr (certified county roll, taxable value × millage). Buy at the asking price of $549,000 and the first-year bill resets to about $9,075/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 18.21 mills (county-average millage, estimate)); Save Our Homes caps later increases at 3%/yr.
Home and flood insurance
The average Citizens Property Insurance premium in Franklin County is $2,575/yr (115 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $2,500–$5,000/yr; neither is a quote. Flood: this address maps to FEMA zone AE, a high-risk zone where flood insurance is required with a federally backed mortgage. Statewide, a zone A/AE/VE flood policy runs about $1,200–$2,500/yr (FEMA Risk Rating 2.0 averages, not a quote).
Roof and age
Built in 1925. An original roof would be about 101 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report and ask for the roof permit date.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
CDD assessment
Not reported
The MLS listing does not report a CDD amount. Many Florida communities have one; it shows on the county tax bill — confirm with the tax collector or the listing agent.
Insurance (illustrative range)
$2k–$5k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood zone AE — confirm flood coverage. Get a quote from a licensed insurer before relying on any figure.
HOA
Not reported
Not stated in the listing. Confirm with the listing agent or the county record; $0 is used in the payment estimate.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone AE
From the FEMA flood map. Lender-required flood insurance may apply; confirm for the parcel.
Ground elevation
~10 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
Franklin County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
County hazard risk ratings (FEMA National Risk Index, county level)
Hazard risk
Natural hazard risk
FEMA National Risk Index for Franklin County, FL: overall Relatively Low. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
HurricaneRelatively Moderate
Coastal floodingRelatively Moderate
Inland floodingVery Low
Heat waveVery Low
WildfireRelatively Low
TornadoRelatively Low
LightningRelatively Moderate
Strong windVery Low
HailVery Low
Cold waveRelatively Low
Winter weatherVery Low
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Internet & broadband — how to check availability for this address
Connectivity
Internet & broadband
Fiber
Check availability
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable
Check availability
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
Fixed wireless / satellite
Check availability
5G home internet and satellite service depend on the exact location; check coverage for this address.
Property timeline
This home’s history
1925BuiltPer public record
About Dec 2025Listed (per MLS)Approximate list date from the MLS cumulative days-on-market count (listed about Dec 17, 2025)
Aug 4, 2026First seen on our siteObserved at $549,000
NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Transparency
Price & listing history
Listed for $549,000Beach Properties Real Estate · listed Dec 17, 2025
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
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Listed by Beach Properties Real Estate · MLS # 779623
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Keep looking
Similar homes for sale near Historic South Side
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Oct 2026 · Infrastructure
Franklin County awards bid for new emergency operations center off State Road 65
The $4 million to $5 million center, funded by federal, state and county money, will replace an older building near the Apalachicola airport. Construction should take about a year and includes a supply warehouse, helicopter pad, training rooms and more bunks.
Why it matters: A larger, more central facility strengthens county-wide storm and emergency coordination capacity. The site is less than a mile west of Historic South Side.
Governor appoints three to new Apalachicola Water and Sewer District board
Gov. Ron DeSantis appointed three members to the five-member board of the newly created Apalachicola Water and Sewer District, which will run the city's water and sewer system. The city and county commission each appointed one member, and the city and district board have until Dec. 1 to complete the financial and operational turnover.
Why it matters: A new utility district takes over water and sewer service in Apalachicola, which affects infrastructure investment and service for the area. The site is less than a mile west of Historic South Side.
Haney Technical College opens aviation maintenance academy at Apalachicola Regional Airport
Tom P. Haney Technical College opened the East Extension Aviation Academy in a converted office and hangar at Apalachicola Regional Airport, with a ribbon-cutting on Sept. 17, 2026. Two students are enrolled so far, and partners plan a similar maritime trades academy in Port St. Joe later.
Why it matters: Local aviation maintenance training adds a workforce pathway in Franklin County and supports airport activity. The site is about 3 miles west of Historic South Side.
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Schools currently assigned to this address in Franklin County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
School zoningThis address is in the Franklin County School District. Specific elementary, middle, and high-school assignments vary by street and can change. Confirm current zoning with the district before relying on it.
Items worth confirming for 20 4th Street, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1925 (101 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
Confirm whether a mandatory HOA applies to this parcel and what it charges.
FEMA flood zone AE: lenders generally require flood insurance here — get an elevation certificate and a flood quote before the inspection period ends.
Get a homeowners insurance quote for this specific address in Franklin County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Confirm square footage and room dimensions independently.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $9,075/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $3,925 more per year than the current owner’s estimated bill (+76%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
Confirm school zoning directly with the district.
Provenance
Data sources & freshness
Listing record
CPAR, checked against the MLS hourly (last: November 14, 2026)
Comparable sales
Comparable-sales estimate unavailable for this home right now — no medians or automated estimate shown
Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of CPAR records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 20 4th Street and when was it built?
Per the listing record, 20 4th Street was built in 1925 and has 5 bedrooms and 5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 20 4th Street in?
20 4th Street is in Historic South Side in Apalachicola, Franklin County. Too few comparable closed sales exist nearby for this page to show local sales statistics; a licensed agent can prepare a comparative market analysis.
Why might property taxes on 20 4th Street differ from the current owner's?
The estimate on this page (about $9,075 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $3,925 more per year than the current owner’s estimated bill (+76%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 20 4th Street in a flood zone?
The FEMA flood map places this parcel in Zone AE, a special flood hazard area where lenders generally require flood insurance on a mortgaged purchase. Confirm the parcel's status with FEMA and your insurer, and ask for an elevation certificate.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 20 4th Street in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email jon@movewithmomentum.com and we will review and correct or remove it promptly.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
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1 / 1 photosListing courtesy of Beach Properties Real Estate
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
