Franklin County property record for 16 Surf Dr, Panacea, FL 32346
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,260 sqft · built 1979 |
| Lot Size | 1.02 acres (44,475 sqft) |
| Owner | 2 Company Names on Record |
| Tax Bill | $975 (2025) |
| Deeds & Mortgages | Nov 2025 Transfer Feb 2018 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 32-06S-01W-1060-0005-0070 |
| Primary APN | 32-06S-01W-1060-0005-0070 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,260 sqft Living Area |
| Gross Area | 1,520 sqft |
| 1st Floor Area | 1,260 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Custom/Decorative |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1992 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 44,475 sqft (1.02 acres) |
| Lot Dimensions | 160 ft deep x 70 ft wide |
| Porch | Finished Screened Porch |
|---|---|
| Porch Area | 618 sqft |
| Deck Area | 25 sqft |
| Shed | 1 Shed |
| Shed Area | 48 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 16 SURF DR |
|---|---|
| City | PANACEA |
| State | FL |
| Zip | 32346-6111 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | UNIT 1 BL 5 LOTS 7,8,9 SUN & SAND 121/226 176/158 178/348 203/4 207/66 207/567 218/286 297/337 375/283 463/64 466/313 520/225 711/632 726/2 LOT 8 FROM TAX DEED |
| Legal Range | 01W |
| Legal Township | 06S |
| Legal Section | 32 |
| Legal Subdivision | 1060 |
| Legal Block | 5 |
| Legal Lot Number | 7,8,9 |
| Legal Unit | 1 |
| Jurisdiction | FRANKLIN FL |
| Township / Civil Division | CARRABELLE |
| Census Block Group | 2 |
| Census Block | 2139 |
| Census Tract | 970102 |
Source: Franklin County records, as of December 16, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | PO BOX 1105, PANACEA, FL 32346-1105 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| Nov 20, 2025 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Feb 8, 2018 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Nov 20, 2025 |
| Transfer Doc | 0019005360 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | FRANKLIN FL |
| Recording Date | Nov 20, 2025 |
| Property Address | 16 SURF DR, ALLIGATOR POINT, FL 32346-6111 |
| Document Number | 0019005360 |
| Book / Page | 1432 / 194 |
| Map Reference | MB 3 PG 20 |
| Instrument Date | Nov 20, 2025 |
| Instrument | 202519005360 |
| Transaction Type | Transfer |
| Record Updated | Dec 22, 2025 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 1105, PANACEA, FL 32346-1105 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | PO BOX 1105, PANACEA, FL 32346-1105 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN FL |
| Property Address | 16 SURF DR, ALLIGATOR POINT, FL 32346-6111 |
| Document Number | 0019000735 |
| Instrument Date | Feb 8, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Mar 15, 2018 |
| Name | Verified Name |
|---|---|
| Address | 16 SURF DR ALLIGATOR POINT FL 323466111, ALLIGATOR POINT, FL 32346-6111 |
| Document Number | 0019000735 |
|---|---|
| Date | Feb 15, 2018 |
| Book Page | 001211/000718 |
| Instrument | 19000735 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Feb 14, 2033 |
Source: Franklin County assessment roll, as of November 26, 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 | $975.00 (+2.52%) Homeowner's exemption | $134,177 (+2.9%) | $386,084 (-0.57%) Land $184,924 Building $201,160 |
| 2024 | $951.00 (+0.42%) Homeowner's exemption | $130,396 (+3%) | $388,310 (+32.88%) Land $184,924 Building $203,386 |
| 2023 | $947.00 (+1.07%) Homeowner's exemption | $126,598 (+3%) | $292,225 (+3.33%) Land $138,136 Building $154,089 |
| 2022 | $937.00 Homeowner's exemption | $122,911 | $282,811 Land $138,136 Building $144,675 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 14.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record 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.
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.
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 |
| 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.
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 |
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