15 Saint James St, Panacea, FL 32346 Property Records

Wakulla County property record for 15 Saint James St, Panacea, FL 32346

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,200 sqft · built 1986
Lot Size	0.213 acres (9,278 sqft)
Owner	2 Trust Names on File
Tax Bill	$1,038 (2025)
Deeds & Mortgages	Jul 2026 Sale Oct 2019 Sale
Flood Zone	Zone VE (high risk)
APN	`03-6S-02W-035-03732-000`

Property Details

APN / Parcel Number

Primary APN	`03-6S-02W-035-03732-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,200 sqft Living Area
Gross Area	2,832 sqft
1st Floor Area	1,200 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1990
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	9,278 sqft (0.213 acres)
Lot Dimensions	155 ft deep x 60 ft wide
Garage Type	Carport
Garage Area	900 sqft
Carport	Carport
Carport Area	900 sqft
Porch	Finished/Open Porch
Porch Area	128 sqft
Deck Area	304 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	15 SAINT JAMES ST
City	PANACEA
State	FL
Zip	32346-2543
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SURF BLOCK D LOT 4 & S 1/2 OF 5 OR 63 P 492 & OR 98 P 677 OR 496 P 234 OR 1126 P 320 DC OR 1157/498
Legal Range	02W
Legal Township	06S
Legal Section	03
Legal Subdivision	SURF
Legal Block	D
Legal Lot Number	4
Jurisdiction	WAKULLA FL
Township / Civil Division	WEST WAKULLA
Census Block Group	2
Census Block	2028
Census Tract	10102

Owner

15 Saint James St is owner-occupied and held in a trust since July 2026.

Source: Wakulla County records, as of August 10, 2026

Owner of Record	2 Trust Names on File
Mailing Address	PO BOX 435, PANACEA, FL 32346-0435
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Living 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
Jul 13, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Oct 3, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jul 7, 2026
Transfer Doc	0000456111
Record Updated	Sep 20, 2026

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WAKULLA FL
Recording Date	Jul 13, 2026
Property Address	15 SAINT JAMES ST, PANACEA, FL 32346-2543
Document Number	0000456111
Book / Page	1471 / 802
Instrument Date	Jul 7, 2026
Instrument	2026456111
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$70.70
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WAKULLA FL
Recording Date	Oct 3, 2019
Property Address	15 SAINT JAMES ST, PANACEA, FL 32346-2543
Document Number	0000373041
Book / Page	001126 / 000320
Instrument Date	Oct 1, 2019
Instrument	373041
Transaction Type	Transfer
Record Updated	Jan 10, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$0.70
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	15 SAINT JAMES ST PANACEA FL 323462543, PANACEA, FL 32346-2543

Tax Assessment & Valuation

The 2025 property tax bill for 15 Saint James St was $1,038 with exemptions applied, up 5.6% from the year before.

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	$1,038.00 (+5.6%) Homeowner's exemption Widower's exemption	$87,365 (+2.9%)	$167,551 (+16.03%) Land $12,000 Building $155,551
2024	$983.00 (+3.15%) Homeowner's exemption Widower's exemption	$84,903 (+3%)	$144,407 (-1.29%) Land $12,000 Building $132,407
2023	$953.00 (+5.77%) Homeowner's exemption Widower's exemption	$82,430 (+3%)	$146,294 (+18.1%) Land $12,000 Building $134,294
2022	$901.00 Homeowner's exemption Widower's exemption	$80,029	$123,877 Land $12,000 Building $111,877

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

Flood

FEMA maps place 15 Saint James St 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 15 Saint James St is moderate, ranking above 68% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 68% of the US · above 48% of Florida
Wildfire Likelihood	0.2% 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 39 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

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