Franklin County property record for 157 Bay Dr, Panacea, FL 32346
| Property Type | Duplex |
|---|---|
| Details | 2 bd · 1 ba · 1,050 sqft · built 1938 |
| Lot Size | 0.123 acres (5,401 sqft) |
| Owner | Owner Name on File |
| Last Sale | $285,000 (May 2004) |
| Tax Bill | $662 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-06S-02W-0000-0020-0130 |
| Primary APN | 28-06S-02W-0000-0020-0130 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Units | 2 Units |
| Stories | 1 Story |
| Building Area | 1,050 sqft Heated Area |
| Gross Area | 1,148 sqft |
| Interior Walls | Custom/Decorative |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1938 |
|---|---|
| Effective Year Built | Effective 1974 |
| Exterior Material | Wood |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 5,401 sqft (0.123 acres) |
| Lot Width | 152 ft Width |
| Porch | Open Porch |
| Deck Area | 224 sqft |
| Gazebo | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 157 BAY DR |
|---|---|
| City | PANACEA |
| State | FL |
| Zip | 32346 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Description | EASTERLY PART OF LOT 7 CONTAINING 0.20 AC OR/167/195-201 OR/168/517 OR 171/350 OR 208/359 OR/184/217 OR/153/579 OR/293/136 OR |
| Legal Range | 02W |
| Legal Township | 06S |
| Legal Section | 28 |
| Legal Subdivision | CAMP WEEB |
| Legal Lot Number | 7 |
| Jurisdiction | FRANKLIN FL |
| Township / Civil Division | CARRABELLE |
| Census Block Group | 2 |
| Census Block | 2094 |
| Census Tract | 970102 |
The current owner of 157 Bay Dr bought it in May 2004.
Source: Franklin County records, as of January 5, 2026
| Owner of Record | Owner Name on File |
|---|---|
| Mailing Address | 281 HIGHHILL RANCH LN, TALLAHASSEE, FL 32317-7606 |
| Occupancy | Owner Occupied |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Last Sale | May 11, 2004 · Amount on File |
|---|---|
| Deed Sale | May 11, 2004 · Amount on File |
| Deed Document Number | 0000788309 |
| Deed Book / Page | 788 / 309 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 157 Bay Dr was $662 with a homeowner's exemption, up 3% from the year before.
Source: Franklin County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Franklin County |
| Unified School District | Franklin County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $662.00 (+2.95%) Homeowner's exemption | $100,322 (+2.9%) | $124,371 (-1.03%) Land $75,000 Building $49,371 |
| 2024 | $643.00 (+1.1%) Homeowner's exemption | $97,495 (+3%) | $125,666 (-0.94%) Land $75,000 Building $50,666 |
| 2023 | $636.00 (+1.6%) Homeowner's exemption | $94,655 (+3%) | $126,856 (-0.92%) Land $75,000 Building $51,856 |
| 2022 | $626.00 Homeowner's exemption | $91,898 | $128,035 Land $75,000 Building $53,035 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 157 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 Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| 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 |
|
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 risk around 157 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 Risk | High above 70% of the US · above 52% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 38 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Xtream Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
5G (outdoors only) and 4G LTE
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