18 Heron Dr, Panacea, FL 32346 Property Records

Wakulla County property record for 18 Heron Dr, Panacea, FL 32346

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,614 sqft · built 2005
Lot Size	0.101 acres (4,428 sqft)
Owner	2 Individual Names on File
Last Sale	$53,000 (Sep 2003)
Tax Bill	$2,047 (2025)
Deeds & Mortgages	Jun 2021 Line of Credit Dec 2016 Mortgage
Flood Zone	Zone VE (high risk)
APN	`25-5S-02W-216-03236-008`

Property Details

APN / Parcel Number

Primary APN	`25-5S-02W-216-03236-008`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,614 sqft Heated Area
Gross Area	3,384 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Pile
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	4,428 sqft (0.101 acres)
Garage Type	Carport
Carport	Carport
Carport Area	1,060 sqft
Driveway	Driveway
Driveway Area	901 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	364 sqft
Deck Area	24 sqft
Patio Area	124 sqft
Utility Building	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	18 HERON DR
City	PANACEA
State	FL
Zip	32346-2476
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PORT PANACEA VILLAGE LOT 8 OR 148 P 115 OR 169 P 582 OR 354 P 616 OR 505 P 702
Legal Range	02W
Legal Township	05S
Legal Section	25
Legal Subdivision	PORT PANACEA VILLAGE
Legal Lot Number	8
Jurisdiction	WAKULLA FL
Township / Civil Division	WEST WAKULLA
Census Block Group	3
Census Block	3011
Census Tract	10102

Owner

18 Heron Dr is owned and occupied by two individuals who bought it in September 2003.

Source: Wakulla County records, as of January 19, 2026

Owner of Record	2 Individual Names on File
Co-owner	Co-owner on File
Mailing Address	18 HERON DR, PANACEA, FL 32346-2476
Occupancy	Owner Occupied
Owner Type	Individual

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
Jun 2, 2021	Deed of Trust, Mortgage · Line of Credit FIRST FLORIDA CU
Dec 22, 2016	Deed of Trust, Mortgage · Conventional with PMI PATRIOT LNDG SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 23, 2003 · Amount on File
Deed Sale	Sep 23, 2003 · Amount on File
Prior Sale	Nov 26, 2001 · Amount on File
Deed Document Number	0000505702
Deed Book / Page	0505 / 0702
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAKULLA FL
Property Address	18 HERON DR, PANACEA, FL 32346-2476
Transaction Type	Mortgage
Record Updated	Feb 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 HERON DR, PANACEA, FL 32346-2476

Mortgage

Document Number	0000392480
Date	Jun 2, 2021
Book Page	1211/639
Instrument	392480

Lender

Name	FIRST FLORIDA CU
Type	Credit Union
Address	JACKSONVILLE, FL 32202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	239 Months
Due	May 30, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAKULLA FL
Property Address	18 HERON DR, PANACEA, FL 32346-2476
Document Number	0000345684
Instrument Date	Dec 22, 2016
Transaction Type	Mortgage
Record Updated	Aug 15, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	18 HERON DR PANACEA FL 323462476, PANACEA, FL 32346-2476

Mortgage

Document Number	0000345684
Date	Jan 10, 2017
Book Page	001022/000636
Instrument	345684

Lender

Name	PATRIOT LNDG SVCS
Address	CARNEGIE, PA 15106

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	180 Months
Due	Jan 9, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 18 Heron Dr was $2,047 with a homeowner's exemption, up 4.4% from the year before.

Source: Wakulla County assessment roll, as of July 1, 2025

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	$2,047.00 (+4.44%) Homeowner's exemption	$157,907 (+2.9%)	$503,256 (+10.36%) Land $38,250 Building $465,006
2024	$1,960.00 (+2.73%) Homeowner's exemption	$153,457 (+3%)	$456,023 (+8.2%) Land $38,250 Building $417,773
2023	$1,908.00 (+6.12%) Homeowner's exemption	$148,987 (+3%)	$421,461 (+11.91%) Land $17,500 Building $403,961
2022	$1,798.00 Homeowner's exemption	$144,648	$376,603 Land $17,500 Building $359,103

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

Flood

FEMA maps place 18 Heron Dr 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 132 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	156 units insured incl. 24 condo units
Nearby Flood Claims	23 (1995–2024)
Most Recent Claim	Sep 2024 · Hurricane Helene
Claims by Event	Hurricane Helene, Sep 2024 · 6 claims Hurricane Michael, Oct 2018 · 9 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 18 Heron Dr is moderate, ranking above 67% 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 67% of the US · above 47% of Florida
Wildfire Likelihood	0.1% 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 64 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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