10 Elberta Ct, Panacea, FL 32346 Property Records

Wakulla County property record for 10 Elberta Ct, Panacea, FL 32346

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,197 sqft · built 2004
Lot Size	3.26 acres (142,006 sqft)
Owner	2 Individual Names on Record
Last Sale	$386,000 (Jul 2021)
Tax Bill	$3,090 (2025)
Deeds & Mortgages	Mar 2024 Line of Credit Jul 2021 Sale + 1 more
Flood Zone	Zone VE (high risk)
APN	`03-6S-02W-209-03702-006`

Property Details

APN / Parcel Number

Primary APN	`03-6S-02W-209-03702-006`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,197 sqft Living Area
Gross Area	3,580 sqft
1st Floor Area	2,197 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2014
Exterior Material	Concrete
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	142,006 sqft (3.26 acres)
Garage Type	Carport
Garage Area	440 sqft
Carport	Carport
Carport Area	440 sqft
Driveway	Concrete Driveway
Driveway Area	1,122 sqft

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	273 sqft
Deck Area	Deck Area
Patio Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	10 ELBERTA CT
City	PANACEA
State	FL
Zip	32346-2504
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SILVER GLEN SUB. LOT 6 DB 40 P 371 OR 473 P 816 OR 1117 P 401 OR 1221 P 853 OR 1418 P 785 OR 1424 P 665
Legal Range	02W
Legal Township	06S
Legal Section	03
Legal Subdivision	SILVER GLENN
Legal Lot Number	6
Jurisdiction	WAKULLA FL
Township / Civil Division	WEST WAKULLA
Census Block Group	2
Census Block	2025
Census Tract	10102

Owner

Source: Wakulla County records, as of June 2, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	10 ELBERTA CT, PANACEA, FL 32346-2504
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Mar 4, 2024	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Jul 30, 2021	Warranty Deed, Transfer WAKULLA TITLE COMPANY INC
Jul 16, 2019	Warranty Deed, Transfer · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 30, 2021 · Amount on Record
Deed Sale	Jul 30, 2021 · Amount on Record
Prior Sale	Jul 16, 2019 · Amount on Record
Deed Document Number	2021394797
Deed Book / Page	1221 / 853
Last Transfer Date	Jul 14, 2025
Transfer Doc	0000444912
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAKULLA FL
Property Address	10 ELBERTA CT, PANACEA, FL 32346-2504
Transaction Type	Mortgage
Record Updated	May 7, 2024
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000426892
Date	Mar 4, 2024
Book Page	1349/497
Instrument	426892

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	7007 BROADWAY AVE, CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Feb 23, 2054

Interest

Change Frequency	Monthly

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WAKULLA FL
Recording Date	Jul 30, 2021
Property Address	10 ELBERTA CT, PANACEA, FL 32346-2504
Document Number	0000394797
Book / Page	1221 / 853
Map Reference	MB 3 PG 2-5
Instrument Date	Jul 30, 2021
Instrument	394797
Transaction Type	Transfer
Record Updated	Feb 9, 2023
Title Company	WAKULLA TITLE COMPANY INC

Transaction

Amount	Amount Recorded
Tax	$2,702.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10 ELBERTA CT, PANACEA, FL 32346-2504

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 ELBERTA CT, PANACEA, FL 32346-2504

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WAKULLA FL
Recording Date	Jul 16, 2019
Property Address	10 ELBERTA CT, PANACEA, FL 32346-2504
Document Number	0000370737
Book / Page	001117 / 000401
Instrument Date	Jul 12, 2019
Instrument	370737
Transaction Type	Transfer
Record Updated	Jul 24, 2019
Title Company	WAKULLA TITLE COMPANY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,736.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10 ELBERTA CT PANACEA FL 323462504, PANACEA, FL 32346-2504

Mortgage

Document Number	370738
Date	Jul 16, 2019
Book Page	001117/000402
Instrument	370738

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 15, 2049

Tax Assessment & Valuation

Source: Wakulla County assessment roll, as of January 5, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Wakulla County
Unified School District	Wakulla County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,090.00 (-9.91%) Homeowner's exemption	$271,812 (+2.9%)	$319,771 (-14.43%) Land $35,000 Building $284,771
2024	$3,430.00 (+2.63%) Homeowner's exemption	$264,152 (+3%)	$373,712 (-1.06%) Land $35,000 Building $338,712
2023	$3,342.00 (+11.03%) Homeowner's exemption	$256,458 (+10.25%)	$377,702 (+14.81%) Land $35,000 Building $342,702
2022	$3,010.00 Homeowner's exemption	$232,624	$328,977 Land $35,000 Building $293,977

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 July 21, 2026 · 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 73 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	101 units insured incl. 28 condo units
Nearby Flood Claims	15 (2005–2018)
Most Recent Claim	Oct 2018 · Hurricane Michael
Claims by Event	Hurricane Michael, Oct 2018 · 11 claims Hurricane Hermine, Sep 2016 · 3 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

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

Wildfire Risk	High above 74% of the US · above 59% of Florida
Wildfire Likelihood	0.3% 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	PANACEA AREA WATER SYSTEM serves 3,020 people · EPA ID FL1650514
Water Source	Groundwater
Last State Inspection	May 2025
Lead	6 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Apr 2021
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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