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149 Bay Dr, Panacea, FL 32346 Property Records

Franklin County property record for 149 Bay Dr, Panacea, FL 32346

Property Summary

Property TypeDuplex
Details2 bd · 1 ba · 1,050 sqft · built 1938
Lot Size0.41 acres (17,860 sqft)
Owner2 Individual Names on File
Last Sale$218,000 (Sep 2018)
Tax Bill$1,840 (2025)
Deeds & MortgagesSep 2018 Sale
Jun 2017 Sale
Flood ZoneZone X (minimal risk)
APN28-06S-02W-0000-0020-0140

Property Details

APN / Parcel Number

Primary APN28-06S-02W-0000-0020-0140

Interior

Bedrooms2 Beds
Full Baths1 Bath
Units2 Units
Stories1 Story
Building Area1,050 sqft Heated Area
Gross Area1,458 sqft
FlooringMarble
Interior WallsCustom/Decorative
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1938
Effective Year BuiltEffective 1994
Exterior MaterialWood
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area17,860 sqft
Lot Width240 ft Width
PorchOpen Porch

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address149 BAY DR
CityPANACEA
StateFL
Zip32346
Property CategoryResidential
Property TypeResidential > Multi-Unit > Duplex
Legal DescriptionNORTHEASTERLY PART OF LOT 8 CONTAINING 0.41 AC OR/167/215 OR 208/351 OR/184/225 OR/531/301 758/758 1194/220 1228/440
Legal Range02W
Legal Township06S
Legal Section28
Legal SubdivisionCAMP WEED
Legal Lot Number8
JurisdictionFRANKLIN FL
Township / Civil DivisionCARRABELLE
Census Block Group2
Census Block2094
Census Tract970102

Owner

149 Bay Dr, a duplex, is owned by two individuals who bought it in September 2018.

Source: Franklin County records, as of January 5, 2026

Owner of Record2 Individual Names on File
Mailing Address2435 POTTS RD, TALLAHASSEE, FL 32308-4327
Owner TypeIndividual

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

DateDocument
Sep 24, 2018Warranty Deed, Transfer
ATTORNEY ONLY
Jun 6, 2017Warranty Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 24, 2018 · Amount on File
Deed SaleSep 24, 2018 · Amount on File
Prior SaleOct 7, 2003 · Amount on File
Deed Document Number201819004709
Deed Book / Page1228 / 440
Record UpdatedJun 8, 2026

September 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionFRANKLIN FL
Recording DateSep 24, 2018
Property Address149 BAY NORTH CT N, PANACEA, FL 32346
Document Number0019004709
Book / Page001228 / 000440
Instrument DateSep 21, 2018
Instrument19004709
Transaction TypeTransfer
Record UpdatedOct 18, 2018
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
Tax$1,526.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address2435 POTTS RD TALLAHASSEE FL 323084327, TALLAHASSEE, FL 32308-4327

June 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionFRANKLIN FL
Recording DateJun 6, 2017
Property Address149 BAY NORTH CT N, PANACEA, FL 32346
Document Number0019002852
Book / Page001194 / 000220
Instrument DateJun 2, 2017
Instrument19002852
Transaction TypeTransfer
Record UpdatedJun 19, 2017
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
Tax$1,400.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address4490 SHADY REST RD HAVANA FL 323334940, HAVANA, FL 32333-4940

Tax Assessment & Valuation

The 2025 property tax bill for 149 Bay Dr was $1,840, down 2.1% from the year before.

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

Property Jurisdictions

TypeName
StateFlorida
CountyFranklin County
Unified School DistrictFranklin County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,840.00 (-2.13%)$188,577 (-1.08%) Land $85,000 Building $103,577$188,577 (-1.08%) Land $85,000 Building $103,577
2024$1,880.00 (-4.67%)$190,629 (-1.06%) Land $85,000 Building $105,629$190,629 (-1.06%) Land $85,000 Building $105,629
2023$1,972.00 (-3.48%)$192,680 (-1.05%) Land $85,000 Building $107,680$192,680 (-1.05%) Land $85,000 Building $107,680
2022$2,043.00$194,731 Land $85,000 Building $109,731$194,731 Land $85,000 Building $109,731

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

Flood

FEMA maps place 149 Bay Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective April 23, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 293 individual policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies329 units insured
incl. 36 condo units
Nearby Flood Claims72 (2005–2024)
Most Recent ClaimSep 2024 · Hurricane Helene
Claims by Event
  • Hurricane Helene, Sep 2024 · 12 claims
  • Hurricane Michael, Oct 2018 · 45 claims
  • Hurricane Dennis, Jul 2005 · 8 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 149 Bay Dr is high, ranking above 70% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire RiskHigh
above 70% of the US · above 52% of Florida
Wildfire Likelihood0.3% annual chance
ExposureDirect
burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 38 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Mediacom Xtream
Cable		1,000 / 50
Verizon
Fixed Wireless		300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Bay Dr

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