1. Home
  2. Florida
  3. Panacea
  4. Bay Dr

190 Bay Dr, Panacea, FL 32346 Property Records

Franklin County property record for 190 Bay Dr, Panacea, FL 32346

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 1,670 sqft · built 1985
Lot Size0.123 acres (5,401 sqft)
OwnerIndividual Name on Record
Last Sale$172,000 (Oct 1996)
Tax Bill$3,419 (2025)
Flood ZoneZone AE (high risk)
APN28-06S-02W-0000-0020-0290

Property Details

APN / Parcel Number

Primary APN28-06S-02W-0000-0020-0290

Interior

Bedrooms3 Beds
Full Baths3 Baths
Stories2 Stories
Building Area1,670 sqft Heated Area
Gross Area2,392 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1985
Exterior MaterialAsbestos
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area5,401 sqft (0.123 acres)
Lot Dimensions155 ft deep x 35 ft wide
PorchOpen Porch
Porch Area722 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address190 BAY DR
CityPANACEA
StateFL
Zip32346
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionTHE SOUTHEASTERLY 1/2 OF LOT 9 OR/219/379 OR 253/332 BAY NORTH SUB OR 565/70
Legal Range02W
Legal Township06S
Legal Section28
Legal SubdivisionBAY NORTH SUB
Legal Lot Number9
JurisdictionFRANKLIN FL
Township / Civil DivisionCARRABELLE
Census Block Group2
Census Block2094
Census Tract970102

Owner

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 RecordIndividual Name on Record
Mailing Address1504 HICKORY AVE, TALLAHASSEE, FL 32303-5818
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleOct 3, 1996 · Amount on Record
Deed SaleOct 3, 1996 · Amount on Record
Deed Document Number0000056570
Record UpdatedJun 8, 2026

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyFranklin County
Unified School DistrictFranklin County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,419.00 (-1.64%)$359,045 (-1.2%) Land $212,500 Building $146,545$359,045 (-1.2%) Land $212,500 Building $146,545
2024$3,476.00 (+6.14%)$363,407 (+11.36%) Land $212,500 Building $150,907$363,407 (+11.36%) Land $212,500 Building $150,907
2023$3,275.00 (-3.42%)$326,339 (-0.97%) Land $212,500 Building $113,839$326,339 (-0.97%) Land $212,500 Building $113,839
2022$3,391.00$329,537 Land $212,500 Building $117,037$329,537 Land $212,500 Building $117,037

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

Flood

Source: FEMA National Flood Hazard Layer, effective April 23, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation15.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 293 individual policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies329 units insured
incl. 36 condo units
Nearby Flood Claims72 (2005–2024)
Most Recent ClaimSep 2024 · Hurricane Helene
Claims by Event
  • Hurricane Helene, Sep 2024 · 12 claims
  • Hurricane Michael, Oct 2018 · 45 claims
  • Hurricane Dennis, Jul 2005 · 8 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskHigh
above 70% of the US · above 52% of Florida
Wildfire Likelihood0.3% annual chance
ExposureDirect
burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 38 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Mediacom Xtream
Cable		1,000 / 50
Verizon
Fixed Wireless		300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Bay Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures