Wakulla County property record for 18 Suwannee Ave, Panacea, FL 32346
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 932 sqft · built 1956 |
| Lot Size | 0.172 acres (7,492 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $96,000 (May 2019) |
| Tax Bill | $712 (2025) |
| Deeds & Mortgages | Jan 2026 Mortgage Aug 2023 Mortgage + 1 more |
| Flood Zone | Zone VE (high risk) |
| APN | 25-5S-02W-046-03356-000 |
| Primary APN | 25-5S-02W-046-03356-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 932 sqft Living Area |
| Gross Area | 984 sqft |
| 1st Floor Area | 932 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Plywood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Foundation Type | Concrete |
| Roof Type | Flat |
| Roof Material | Built-Up Asphalt |
| Lot Area | 7,492 sqft (0.172 acres) |
| Lot Dimensions | 125 ft deep x 60 ft wide |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 40 sqft |
| Deck Area | 12 sqft |
| Utility Building | 128 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Street Address | 18 SUWANNEE AVE |
|---|---|
| City | PANACEA |
| State | FL |
| Zip | 32346-2466 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | AQUA DE VIDA BLOCK E LOT 23 OR 39 P 354 OR 72 P 371 OR 334 P 212 OR 947 P 115&116 DC & ORDER OR 947 P 117&118 ORDER & WILL OR 947 P 123 ORDER OR 976 P 138 OR 1110 P 594 |
| Legal Range | 02W |
| Legal Township | 05S |
| Legal Section | 25 |
| Legal Subdivision | AQUA DE VIDA |
| Legal Block | E |
| Legal Lot Number | 23 |
| Jurisdiction | WAKULLA FL |
| Township / Civil Division | WEST WAKULLA |
| Census Block Group | 3 |
| Census Block | 3072 |
| Census Tract | 10102 |
18 Suwannee Ave is owned and occupied by two individuals who bought it in May 2019.
Source: Wakulla County records, as of April 22, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 18 SUWANNEE AVE, PANACEA, FL 32346-2466 |
| 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.
| Date | Document |
|---|---|
| Jan 7, 2026 | Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC |
| Aug 18, 2023 | Deed of Trust, Mortgage · Conventional Mortgage MUTUAL OF OMAHA MORTGAGE INC |
| May 21, 2019 | Warranty Deed, Transfer WAKULLA TITLE COMPANY INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 21, 2019 · Amount on File |
| Deed Sale | May 21, 2019 · Amount on File |
| Prior Sale | Jul 23, 2015 · Amount on File |
| Deed Document Number | 2019369069 |
| Deed Book / Page | 1110 / 594 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WAKULLA FL |
| Property Address | 18 SUWANNEE AVE, PANACEA, FL 32346-2466 |
| Transaction Type | Mortgage |
| Record Updated | Feb 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 18 SUWANNEE AVE, PANACEA, FL 32346-2466 |
| Document Number | 0000449456 |
|---|---|
| Date | Jan 7, 2026 |
| Book Page | 1443/210 |
| Instrument | 449456 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92618 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WAKULLA FL |
| Property Address | 18 SUWANNEE AVE, PANACEA, FL 32346-2466 |
| Transaction Type | Mortgage |
| Record Updated | Sep 14, 2023 |
| Name | Verified Name |
|---|---|
| Address | 18 SUWANNEE AVE, PANACEA, FL 32346-2466 |
| Document Number | 0000420566 |
|---|---|
| Date | Aug 18, 2023 |
| Book Page | 1325/608 |
| Instrument | 420566 |
| Name | MUTUAL OF OMAHA MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92108 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Sep 1, 2043 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WAKULLA FL |
| Recording Date | May 21, 2019 |
| Property Address | 18 SUWANNEE AVE, PANACEA, FL 32346-2466 |
| Document Number | 0000369069 |
| Book / Page | 001110 / 000594 |
| Instrument Date | May 17, 2019 |
| Instrument | 369069 |
| Transaction Type | Transfer |
| Record Updated | May 29, 2019 |
| Title Company | WAKULLA TITLE COMPANY INC |
| Amount | Amount on Record |
|---|---|
| Tax | $672.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 18 SUWANNEE AVE PANACEA FL 323462466, PANACEA, FL 32346-2466 |
The 2025 property tax bill for 18 Suwannee Ave was $712 with a homeowner's exemption, down 10.3% from the year before.
Source: Wakulla County assessment roll, as of January 5, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Wakulla County |
| Unified School District | Wakulla County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $712.00 (-10.33%) Homeowner's exemption | $42,638 (-11%) | $70,432 (+6.38%) Land $12,300 Building $58,132 |
| 2024 | $794.00 (+2.19%) Homeowner's exemption | $47,907 (+3%) | $66,211 (+31.66%) Land $12,625 Building $53,586 |
| 2023 | $777.00 (+26.34%) Homeowner's exemption | $46,512 (+10.37%) | $50,289 (+19.33%) Land $6,000 Building $44,289 |
| 2022 | $615.00 Homeowner's exemption | $42,142 Land $6,000 Building $36,142 | $42,142 Land $6,000 Building $36,142 |
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 18 Suwannee Ave 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 |
|
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 18 Suwannee Ave is high, ranking above 77% 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 77% of the US · above 65% 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: 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 |
| 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.
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 |
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