15 Surf Dr, Panacea, FL 32346 Property Records

Franklin County property record for 15 Surf Dr, Panacea, FL 32346

Property Summary

Property Type	Vacant Land
Lot Size	0.229 acres (9,975 sqft)
Owner	Individual Name on File
Last Sale	$32,000 (Oct 2002)
Tax Bill	$374 (2025)
Flood Zone	Zone AE (high risk)
APN	`32-06S-01W-1060-0004-0090`

Property Details

APN / Parcel Number

Primary APN	`32-06S-01W-1060-0004-0090`
Alternative APN	`01W06S32106000040090`

Exterior

Lot Area	9,975 sqft (0.229 acres)
Lot Dimensions	125 ft deep x 80 ft wide

Location & Zoning

Street Address	15 SURF DR
City	PANACEA
State	FL
Zip	32346-6112
Property Category	Vacant Land
Property Type	Vacant Land > Uncategorized
Legal Description	UNIT 1 BL 4 LOT 9 SUN N SANDS 194/584 485/315 661/555 714/371 1046/384
Legal Range	01W
Legal Township	06S
Legal Section	32
Legal Subdivision	SUN N SANDS
Legal Block	4
Legal Lot Number	9
Legal Unit	1
Jurisdiction	FRANKLIN FL
Township / Civil Division	CARRABELLE
Census Block Group	2
Census Block	2138
Census Tract	970102

Owner

15 Surf Dr, vacant land, is owned by an individual who acquired it in September 2011.

Source: Franklin County records, as of November 26, 2025

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	PO BOX 271, BLAKELY, GA 39823-0271
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 11, 2002 · Amount on File
Deed Sale	Oct 11, 2002 · Amount on File
Deed Book / Page	714 / 371
Last Transfer Date	Sep 28, 2011
Transfer Doc	0019015369
Record Updated	Jun 8, 2026

Tax Assessment & Valuation

Source: Franklin County assessment roll, as of November 26, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Franklin County
Unified School District	Franklin County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$374.00 (+4.18%)	$41,500 (-) Land $41,500	$41,500 (-) Land $41,500
2024	$359.00 (+15.06%)	$41,500 (+33.87%) Land $41,500	$41,500 (+33.87%) Land $41,500
2023	$312.00 (-2.5%)	$31,000 (-) Land $31,000	$31,000 (-) Land $31,000
2022	$320.00	$31,000 Land $31,000	$31,000 Land $31,000

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

Flood

FEMA maps place 15 Surf Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	13.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 293 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	329 units insured incl. 36 condo units
Nearby Flood Claims	72 (2005–2024)
Most Recent Claim	Sep 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 15 Surf Dr is moderate, ranking above 61% 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 61% of the US · lower than 65% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	ALLIGATOR POINT WATER RESOURCE DISTRICT public/private · serves 1,400 people · EPA ID FL1190013
Water Source	Groundwater
Last State Inspection	Jun 2024
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 41 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20