130 River Dr, Panacea, FL 32346 Property Records

Wakulla County property record for 130 River Dr, Panacea, FL 32346

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,176 sqft · built 1971
Lot Size	0.321 acres (13,983 sqft)
Owner	2 Trust Names on File
Last Sale	$285,000 (Mar 2016)
Tax Bill	$3,173 (2025)
Deeds & Mortgages	Oct 2021 Transfer Jan 2017 Mortgage
Flood Zone	Zone VE (high risk)
APN	`03-6S-02W-036-03848-000`

Property Details

APN / Parcel Number

Primary APN	`03-6S-02W-036-03848-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,176 sqft Heated Area
Gross Area	3,058 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1996
Exterior Material	Fiber Cement Siding
Construction Type	Frame
Foundation Type	Pile
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	13,983 sqft (0.321 acres)
Lot Dimensions	175 ft deep x 80 ft wide
Garage Type	Carport
Carport	Carport

Exterior Amenities

Porch	Open Porch
Porch Area	666 sqft
Deck Area	40 sqft
Utility Building	144 sqft
Boat Access	Boat Access
Boat House	408 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	130 RIVER DR
City	PANACEA
State	FL
Zip	32346-2525
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIVER BEND SUB BLOCK D LOT 28 OR 50 P 746 OR 260 P 797 OR 312 P 436 OR 716 P 577 OR 993 P 868 OR 1234 P 273
Legal Range	02W
Legal Township	06S
Legal Section	03
Legal Subdivision	RIVER BEND SUB
Legal Block	D
Legal Lot Number	28
Jurisdiction	WAKULLA FL
Township / Civil Division	WEST WAKULLA
Census Block Group	2
Census Block	2028
Census Tract	10102

Owner

130 River Dr is owner-occupied and held in a trust since October 2021.

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

Owner of Record	2 Trust Names on File
Co-owner	Co-owner on File
Mailing Address	130 RIVER DR, PANACEA, FL 32346-2525
Occupancy	Owner Occupied
Owner Type	Company, Secondary Individual
Vesting	Trust

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

Date	Document
Oct 20, 2021	Intrafamily Transfer, Transfer ACCOMMODATION
Jan 6, 2017	Deed of Trust, Mortgage · VA Mortgage SUN WEST MORTGAGE COMPANY INC

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Mar 14, 2016 · Amount on File
Deed Sale	Mar 14, 2016 · Amount on File
Prior Sale	Mar 14, 2016 · Amount on File
Deed Document Number	0000338301
Deed Book / Page	0993 / 0868
Last Transfer Date	Oct 20, 2021
Transfer Doc	0000397694
Record Updated	Jun 8, 2026

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WAKULLA FL
Recording Date	Oct 20, 2021
Property Address	130 RIVER DR, PANACEA, FL 32346-2525
Document Number	0000397694
Book / Page	1234 / 273
Map Reference	MB 1 PG 40
Instrument Date	Oct 20, 2021
Instrument	397694
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	130 RIVER DR, PANACEA, FL 32346-2525

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAKULLA FL
Property Address	130 RIVER DR, PANACEA, FL 32346-2525
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000345597
Date	Jan 6, 2017
Book Page	1022/0354
Instrument	345597

Lender

Name	SUN WEST MORTGAGE COMPANY INC
Type	Mortgage Company
Address	CERRITOS, CA 90703

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 1, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 130 River Dr was $3,173 with exemptions applied, up 4.1% 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	$3,173.00 (+4.14%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$247,304 (+2.9%)	$428,627 (+4.43%) Land $145,000 Building $283,627
2024	$3,047.00 (+2.73%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$240,334 (+3%)	$410,442 (-24.84%) Land $145,000 Building $265,442
2023	$2,966.00 (+5.78%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$233,334 (+4.79%)	$546,068 (+11.81%) Land $145,000 Building $401,068
2022	$2,804.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$222,676	$488,379 Land $80,000 Building $408,379

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

Flood

FEMA maps place 130 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 130 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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