Franklin County property record for 173 Bay Dr, Panacea, FL 32346
| Property Type | Duplex |
|---|---|
| Details | 2 bd · 1 ba · 1,145 sqft · built 1938 |
| Lot Size | 0.339 acres (14,810 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $79,300 (Mar 1994) |
| Tax Bill | $1,331 (2025) |
| Flood Zone | Zone X (moderate risk) |
| APN | 28-06S-02W-0000-0020-0170 |
| Primary APN | 28-06S-02W-0000-0020-0170 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Units | 2 Units |
| Stories | 1 Story |
| Building Area | 1,145 sqft Heated Area |
| Gross Area | 1,390 sqft |
| Interior Walls | Custom/Decorative |
| Year Built | Built 1938 |
|---|---|
| Effective Year Built | Effective 1974 |
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 14,810 sqft |
| Lot Width | 200 ft Width |
| Porch | Enclosed Porch |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 173 BAY DR |
|---|---|
| City | PANACEA |
| State | FL |
| Zip | 32346 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Description | 0.34 AC M/L OR 180/61 OR 184/238 OR 197/331 ALSO KNOWN AS THE SOUTHERLY PART OF LOT 5 OR/446/21 |
| Legal Range | 02W |
| Legal Township | 06S |
| Legal Section | 28 |
| Legal Lot Number | 5 |
| Jurisdiction | FRANKLIN FL |
| Township / Civil Division | CARRABELLE |
| Census Block Group | 2 |
| Census Block | 2094 |
| Census Tract | 970102 |
Source: Franklin County records, as of January 5, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3213 DEL RIO TER, TALLAHASSEE, FL 32312-2004 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 23, 1994 · Amount on Record |
| Deed Sale | Mar 23, 1994 · Amount on Record |
| Deed Document Number | 0000044621 |
| Record Updated | Jun 8, 2026 |
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 | $1,331.00 (-1.04%) | $133,527 (-) Land $85,000 Building $48,527 | $133,527 (-) Land $85,000 Building $48,527 |
| 2024 | $1,345.00 (-3.65%) | $133,527 (-) Land $85,000 Building $48,527 | $133,527 (-) Land $85,000 Building $48,527 |
| 2023 | $1,396.00 (-2.51%) | $133,527 (-1.12%) Land $85,000 Building $48,527 | $133,527 (-1.12%) Land $85,000 Building $48,527 |
| 2022 | $1,432.00 | $135,043 Land $85,000 Building $50,043 | $135,043 Land $85,000 Building $50,043 |
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 X moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| 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 | 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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