138 River Dr, Panacea, FL 32346 Property Records

Wakulla County property record for 138 River Dr, Panacea, FL 32346

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,616 sqft · built 1991
Lot Size	0.367 acres (15,987 sqft)
Owner	Individual Name on Record
Last Sale	$275,000 (Sep 2019)
Tax Bill	$4,743 (2025)
Deeds & Mortgages	Sep 2019 Sale & Mortgage
Flood Zone	Zone VE (high risk)
APN	`03-6S-02W-036-03851-000`

Property Details

APN / Parcel Number

Primary APN	`03-6S-02W-036-03851-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,616 sqft Heated Area
Gross Area	4,377 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1995
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Pile
Roof Material	Composition Shingle
Lot Area	15,987 sqft (0.367 acres)
Lot Dimensions	200 ft deep x 80 ft wide
Garage Type	Carport
Carport	Carport
Carport Area	1,048 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	672 sqft
Deck Area	773 sqft
Patio Area	858 sqft
Boat Access	Boat Access
Boat House	320 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	138 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 31 OR 51 P 37 OR 550 P 262 OR 1124 P 500
Legal Range	02W
Legal Township	06S
Legal Section	03
Legal Subdivision	RIVER BEND SUB
Legal Block	D
Legal Lot Number	31
Jurisdiction	WAKULLA FL
Township / Civil Division	WEST WAKULLA
Census Block Group	2
Census Block	2028
Census Tract	10102

Owner

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

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	138 RIVER DR, PANACEA, FL 32346-2525
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 17, 2019 · Amount on Record
Deed Sale	Sep 17, 2019 · Amount on Record
Prior Sale	Aug 2, 2004 · Amount on Record
Deed Document Number	372598
Deed Book / Page	1124 / 0500
Record Updated	Jun 8, 2026

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WAKULLA FL
Recording Date	Sep 17, 2019
Property Address	138 RIVER DR, PANACEA, FL 32346-2525
Document Number	0000372598
Book / Page	1124 / 0500
Map Reference	MB 1 PG 40
Instrument Date	Aug 23, 2019
Instrument	372598
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	HAYWARD TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,925.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	713 FOREST LAIR, 713, TALLAHASSEE, FL 32312-1744

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	221 SW 80TH ST, OCALA, FL 34476-4916

Mortgage

Document Number	0001124503
Date	Sep 17, 2019
Instrument	1124/503

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

Tax Assessment & Valuation

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	$4,743.00 (+15.21%)	$382,380 (+8.42%) Land $145,000 Building $237,380	$382,380 (+8.42%) Land $145,000 Building $237,380
2023	$4,117.00	$352,672 Land $145,000 Building $207,672	$352,672 Land $145,000 Building $207,672

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	19.0 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	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

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