190 Harbor Cir, Panacea, FL 32346 Property Records

Franklin County property record for 190 Harbor Cir, Panacea, FL 32346

Property Summary

Property Type	Vacant Land
Lot Size	0.286 acres (12,458 sqft)
Owner	2 Trust Names on File
Tax Bill	$665 (2025)
Deeds & Mortgages	Aug 2022 Transfer
Flood Zone	Zone VE (high risk)
APN	`06-07S-01W-1013-0000-0400`

Property Details

APN / Parcel Number

Primary APN	`06-07S-01W-1013-0000-0400`
Alternative APN	`01W07S06101300000400`

Exterior

Lot Area	12,458 sqft (0.286 acres)
Lot Dimensions	125 ft deep x 100 ft wide

Location & Zoning

Street Address	190 HARBOR CIR
City	PANACEA
State	FL
Zip	32346-5130
Property Category	Vacant Land
Property Type	Vacant Land > Uncategorized
Legal Description	UNIT 3 LOT 40 ALLIGATOR HARBOR OR 246/182 373/88 613/7 857/457 1344/747
Legal Range	01W
Legal Township	07S
Legal Section	06
Legal Subdivision	ALLIGATOR HARBOR
Legal Lot Number	40
Legal Unit	3
Jurisdiction	FRANKLIN FL
Township / Civil Division	CARRABELLE
Census Block Group	2
Census Block	2006
Census Tract	970102

Owner

190 Harbor Cir, vacant land, is held in a trust since August 2022.

Source: Franklin County records, as of November 26, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Trust Names on File
Mailing Address	3012 WINDSOR WAY, TALLAHASSEE, FL 32312-2437
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Aug 25, 2022
Transfer Doc	0019005033
Record Updated	Jun 8, 2026

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FRANKLIN FL
Recording Date	Aug 25, 2022
Property Address	190 HARBOR CIR, ALLIGATOR POINT, FL 32346-5130
Document Number	0019005033
Book / Page	1344 / 747
Map Reference	MB 4 PG 16
Instrument Date	Jul 26, 2022
Instrument	202219005033
Transaction Type	Transfer
Record Updated	Jan 6, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3012 WINDSOR WAY, TALLAHASSEE, FL 32312-2437

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	3012 WINDSOR WAY, TALLAHASSEE, FL 32312-2437

Tax Assessment & Valuation

The 2025 property tax bill for 190 Harbor Cir was $665, down 27.2% from the year before.

Source: Franklin County assessment roll, as of November 26, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Franklin County
Unified School District	Franklin County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$665.00 (-27.24%)	$62,500 (-28.57%) Land $62,500	$62,500 (-28.57%) Land $62,500
2024	$914.00 (+7.66%)	$87,500 (+16.67%) Land $87,500	$87,500 (+16.67%) Land $87,500
2023	$849.00 (+40.56%)	$75,000 (-) Land $75,000	$75,000 (-) Land $75,000
2022	$604.00	$75,000 Land $75,000	$75,000 Land $75,000

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

Flood

FEMA maps place 190 Harbor Cir in Zone VE, a high-risk coastal flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective April 23, 2025 · 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	17.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File 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	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

Wildfire risk around 190 Harbor Cir is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.03% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 84 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