191 Harbor Cir, Panacea, FL 32346 Property Records

Franklin County property record for 191 Harbor Cir, Panacea, FL 32346 · Last verified April 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	2 Beds
Bathrooms	1.5 Baths
Architecture Style	Bungalow
Year Built	Built 1995
Square Footage	864 sqft Living Area
Lot Size	12,720 sqft (0.292 acres)
Last Sale	$320,000 (2020)
Tax Bill	$4,733.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`06-07S-01W-0000-0080-0000`
Alternative APN	`01W07S06000000800000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Partial Baths	1 Partial Baths
Building Area	864 sqft Living Area
1st Floor	864 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Tile Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1995
Architectural Style	Bungalow Style
Exterior Material	Concrete Exterior
Roof Construction	Gable/Hip Roof Construction
Roof Material	Metal Roof
Lot Area	12,720 sqft (0.292 acres)
Depth X Width	170 ft x 75 ft Depth x Width
Porch Area	336 sqft Porch
Boat Access	Boat Access
Storage Building	Storage Building

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Forced Air with Air Conditioning Heating

Location & Zoning

Street Address	191 HARBOR CIR
City	PANACEA
State	FL
Zip	32346-5131
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	75 FT X 150 FT OR/91/11 OR 176/592 OR/281/296 OR 371/259 OR 557/180 1077/105 1267/138
Legal Range	01W
Legal Township	07S
Legal Section	06
Jurisdiction	FRANKLIN FL
Minor Civil Division	CARRABELLE
Census Blockgroup	2
Census Block	2003
Census Tract	970102

Owner

Source: Franklin County records · APN 06-07S-01W-0000-0080-0000

Assessment roll updated November 26, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Mailing Address	5375 LAITHBANK LN, JOHNS CREEK, GA 30022-7167
Owner Type	Owner is a Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 08, 2020 · Amount on Record
Deed Sale	Jun 08, 2020 · Amount on Record
Prior Sale	Oct 22, 2012 · Amount on Record
Deed Doc Number	20202351
Deed Book / Page	1267 / 138
Record Refreshed	Jun 08, 2026

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN FL
Recording Date	Jun 08, 2020
Property Address	191 HARBOR CIR, PANACEA, FL 32346-5131
Document Number	0019002351
Book / Page	001267 / 000138
Instrument Date	Jun 04, 2020
Instrument	19002351
Transaction Type	Transfer
Record Updated	Jun 30, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$2,240.00
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	75 LAITHBANK LN JOHNS CREEK GA 30022, JOHNS CREEK, GA 30022

Tax Assessment & Valuation

Source: Franklin County records · Assessment roll updated November 26, 2025 · Last verified April 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,733.00 (+3.27%)	$449,318 (-0.71%) Land $204,000 Building $245,318	$449,318 (-0.71%) Land $204,000 Building $245,318
2024	$4,583.00 (+6.73%)	$452,547 (+13.92%) Land $204,000 Building $248,547	$452,547 (+13.92%) Land $204,000 Building $248,547
2023	$4,294.00 (+3.82%)	$397,241 (+2.79%) Land $204,000 Building $193,241	$397,241 (+2.79%) Land $204,000 Building $193,241
2022	$4,136.00	$386,447 Land $204,000 Building $182,447	$386,447 Land $204,000 Building $182,447

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Franklin County (12037C), updated April 23, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone VE coastal, wave action
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Special Flood Hazard Area	Yes
Flood Insurance Requirement	Required (federally backed mortgages)
Floodway	No
Base Flood Elevation	17.0 ft
Coastal	Yes

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.