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193 Harbor Cir, Panacea, FL 32346 Property Records

Franklin County property record for 193 Harbor Cir, Panacea, FL 32346 · Last verified February 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bathrooms2 Baths
Year BuiltBuilt 1990
Square Footage1,368 sqft Heated Area
Lot Size11,238 sqft (0.257 acres)
Last Sale$620,000 (2021)
Tax Bill$5,848.00 (2025)

Property Details

APN / Parcel Number

Primary APN06-07S-01W-0000-0070-0000

Interior

Full Baths2 Baths
Building Area1,368 sqft Heated Area
Gross Area2,844 sqft Gross Area
Upper Floors252 sqft Upper Floors
Stories1 Stories
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 1990
Exterior MaterialOther Exterior
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area11,238 sqft (0.257 acres)
Depth X Width150 ft x 75 ft Depth x Width

Exterior Amenities

FenceFence
Deck Area32 sqft Deck
PorchOpen Porch
Porch Area1,224 sqft Porch
Boat AccessBoat Access

Utilities and HVAC

Cooling SystemCentral Cooling
Heating SystemForced Air Heating

Location & Zoning

Street Address193 HARBOR CIR
CityPANACEA
StateFL
Zip32346-5131
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal Description75 FT X 150 FT OR/91/21 195/596 294/243 OR/581/622 1165/119 1312/115
Legal Range01W
Legal Township07S
Legal Section06
JurisdictionFRANKLIN FL
Minor Civil DivisionCARRABELLE
Census Blockgroup2
Census Block2003
Census Tract970102

Owner

Source: Franklin County records · APN 06-07S-01W-0000-0070-0000

Assessment roll updated July 1, 2025 · Last verified February 2026

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

Owner of RecordCompany Name on File
Co-owner2 Verified Secondary Owners
Mailing Address4221 POPE RD, BOSTON, GA 31626-3903
Owner TypeOwner is a Company, Secondary Owner is an Individual, Couple or Unincorporated Entity
VestingOwner is a Trust

Deeds, Mortgages & Sale History

DateDocument
Jan 05, 2026Gift Deed, Transfer
ATTORNEY ONLY, ATTORNEY
Apr 08, 2020Deed of Trust, Mortgage · Veterans Administration Mortgage
NORTH AMERICAN SAVINGS BANK FSB
Aug 26, 2021Warranty Deed, Transfer
WAKULLA TITLE COMPANY INC

Assessor's Deed Record

Deed Names3 Verified Names on Deed
Last SaleAug 26, 2021 · Amount on Record
Deed SaleAug 26, 2021 · Amount on Record
Prior SaleAug 26, 2021 · Amount on Record
Deed Doc Number0019005448
Deed Book / Page1312 / 115
Last Transfer DateJan 05, 2026
Transfer Doc0019000017
Record RefreshedJun 08, 2026

January 2026: Gift Deed, Transfer

Document TypeGift Deed
JurisdictionFRANKLIN FL
Recording DateJan 05, 2026
Property Address193 HARBOR CIR, PANACEA, FL 32346-5131
Document Number0019000017
Book / Page1435 / 208
Instrument DateDec 18, 2025
Instrument202619000017
Transaction TypeTransfer
Record UpdatedJan 29, 2026
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyZero or No Consideration Stated
Additional
  • Interfamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address4221 POPE RD, BOSTON, GA 31626-3903

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipFamily Trust
Address4221 POPE RD, BOSTON, GA 31626-3903

April 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionFRANKLIN FL
Property Address193 HARBOR CIR, PANACEA, FL 32346-5131
Transaction TypeMortgage
Record UpdatedJan 25, 2022
Title CompanyTRANSTAR NATIONAL TITLE

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0019001473
DateApr 08, 2020
Book Page1262/547
Instrument202019001473
Lender
NameNORTH AMERICAN SAVINGS BANK FSB
TypeBank
AddressGRANDVIEW, MO 64030
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term360 Months
DueApr 01, 2050

August 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionFRANKLIN FL
Recording DateAug 26, 2021
Property Address193 HARBOR CIR, PANACEA, FL 32346-5131
Document Number0019005448
Book / Page1312 / 115
Instrument DateAug 24, 2021
Instrument202119005448
Transaction TypeTransfer
Record UpdatedJan 25, 2022
Title CompanyWAKULLA TITLE COMPANY INC

Transaction

AmountAmount Recorded
Tax$4,340.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address198 HARBOR CIR, 198, ALLIGATOR POINT, FL 32346-5130

Transferred To (Grantee/Buyer)

NameVerified Name
Address4221 POPE RD, BOSTON, GA 31626-3903

Tax Assessment & Valuation

Source: Franklin County records · Assessment roll updated July 1, 2025 · Last verified February 2026

Property Jurisdictions

TypeName
StateFlorida
CountyFranklin County
Unified School DistrictFranklin 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.

YearTax BillAssessed ValueAssessed Market Value
2025$5,848.00 (+2.47%)$548,555 (-0.44%) Land $180,000 Building $368,555$548,555 (-0.44%) Land $180,000 Building $368,555
2024$5,707.00 (+8.7%)$550,997 (+19.65%) Land $180,000 Building $370,997$550,997 (+19.65%) Land $180,000 Building $370,997
2023$5,250.00 (+16.38%)$460,500 (+4.3%) Land $180,000 Building $280,500$460,500 (+4.3%) Land $180,000 Building $280,500
2022$4,511.00$441,522 Land $180,000 Building $261,522$441,522 Land $180,000 Building $261,522

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 ZoneZone VE
coastal, wave action
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
Special Flood Hazard AreaYes
Flood Insurance RequirementRequired (federally backed mortgages)
FloodwayNo
Base Flood Elevation17.0 ft
CoastalYes

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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

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