103 River Dr, Panacea, FL 32346 Property Records

Wakulla County property record for 103 River Dr, Panacea, FL 32346

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 1,044 sqft · built 1988
Lot Size	0.362 acres (15,812 sqft)
Owner	Individual Name on File
Last Sale	$350,000 (Dec 2024)
Tax Bill	$477 (2025)
Deeds & Mortgages	Sep 2018 Sale & Mortgage
Flood Zone	Zone VE (high risk)
APN	`03-6S-02W-036-03811-018`

Property Details

APN / Parcel Number

Primary APN	`03-6S-02W-036-03811-018`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,044 sqft Heated Area
Gross Area	2,524 sqft
Flooring	Hardwood
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1992
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Pile
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	15,812 sqft (0.362 acres)
Lot Dimensions	198 ft deep x 80 ft wide
Garage Type	Carport
Carport	Carport
Carport Area	1,300 sqft
Driveway	Driveway
Driveway Area	400 sqft

Exterior Amenities

Porch	Porch
Porch Area	96 sqft
Deck Area	184 sqft
Utility Building	280 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	103 RIVER DR
City	PANACEA
State	FL
Zip	32346-2528
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIVER BEND SUBD BLOCK C LOT 18 OR 63 P 959 & OR 82 P 269 OR 235 P 673 OR 1087 P 243 OR 1391 P 67
Legal Range	02W
Legal Township	06S
Legal Section	03
Legal Subdivision	RIVER BEND SUBD
Legal Block	C
Legal Lot Number	18
Jurisdiction	WAKULLA FL
Township / Civil Division	WEST WAKULLA
Census Block Group	2
Census Block	2036
Census Tract	10102

Owner

103 River Dr is owned and occupied by an individual who bought it in December 2024.

Source: Wakulla County records, as of January 19, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	103 RIVER DR, PANACEA, FL 32346-2528
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 20, 2024 · Amount on File
Deed Sale	Dec 20, 2024 · Amount on File
Prior Sale	Sep 26, 2018 · Amount on File
Deed Document Number	0000139167
Deed Book / Page	1391 / 67
Record Updated	Jun 8, 2026

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WAKULLA FL
Recording Date	Sep 26, 2018
Property Address	103 RIVER DR, PANACEA, FL 32346-2528
Document Number	0000362649
Book / Page	1087 / 0243
Map Reference	MB1 PG40
Instrument Date	Sep 12, 2018
Instrument	362649
Transaction Type	Transfer
Record Updated	Feb 18, 2022
Title Company	WAKULLA TITLE CO INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 RIVER DR, PANACEA, FL 32346-2528

Mortgage

Document Number	0000362650
Date	Sep 26, 2018
Instrument	362650

Lender

Name	SUNTRUST BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 103 River Dr was $477 with exemptions applied, up 5.5% from the year before.

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

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	$477.00 (+5.53%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$149,333 (+15.41%) Land $20,000 Building $129,333	$149,333 (+15.41%) Land $20,000 Building $129,333
2024	$452.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$129,389 (-2.74%) Land $20,000 Building $109,389	$129,389 (-2.74%) Land $20,000 Building $109,389
2023	$452.00 (+26.97%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$133,038 (-22.08%) Land $22,000 Building $111,038	$133,038 (-31.8%) Land $22,000 Building $111,038
2022	$356.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$170,745	$195,078 Land $12,000 Building $183,078

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 103 River Dr in Zone VE, a high-risk coastal flood area; flood insurance is required for federally backed loans.

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	19.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File 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

Wildfire risk around 103 River Dr is moderate, ranking above 56% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 56% of the US · lower than 72% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect 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	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 42 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on River Dr

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