1945 Surf Rd, Panacea, FL 32346 Property Records

Wakulla County property record for 1945 Surf Rd, Panacea, FL 32346

Property Summary

Property Type	Residential Vacant Land
Details	3 bd · 2 ba · 2,557 sqft · built 1966
Lot Size	2.58 acres (112,428 sqft)
Owner	2 Trust Names on File
Last Sale	$600,000 (Oct 2023)
Tax Bill	$1,953 (2025)
Deeds & Mortgages	Jul 2026 Sale Oct 2023 Sale + 2 more
Flood Zone	Zone VE (high risk)
APN	`03-6S-02W-035-03717-000`

Property Details

APN / Parcel Number

Primary APN	`03-6S-02W-035-03717-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,557 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Roof Material	Asphalt
Lot Area	112,428 sqft (2.58 acres)
Lot Dimensions	150 ft deep x 100 ft wide
View / Lot	River
Garage Type	Carport
Garage Area	440 sqft
Carport	Carport
Carport Area	440 sqft
Driveway	Driveway
Driveway Area	240 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1945 SURF RD
City	PANACEA
State	FL
Zip	32346-2573
Property Category	Residential
Property Type	Vacant Land > Residential
Legal Description	SURF BLOCK A LOTS 3,13,14,15,16,17,18 AND A PORTION OF LOT 8 & BLK H LOTS 1-10 OR 17 P 399 OR 29 P 373,377 OR 35 P 65 OR 272 P 807 OR 360 P 221 OR 563 P 305 OR 380 P 807 OR 49 P 495 OR 84 P 506 OR 178 P 947 OR 446 P 744 OR 1094 P 30 OR 1290 P 334 OR
Legal Subdivision	SURF
Legal Block	A,H
Legal Lot Number	3-5,7
Jurisdiction	WAKULLA FL
Township / Civil Division	WEST WAKULLA
Census Block Group	2
Census Block	2028
Census Tract	10102

Owner

1945 Surf Rd, residential vacant land, is held in a trust since May 2024.

Source: Wakulla County records, as of August 10, 2026

Owner of Record	2 Trust Names on File
Mailing Address	1945 SURF RD, PANACEA, FL 32346-2573
Owner Type	Company
Vesting	Trust

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

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Oct 27, 2023	Warranty Deed, Transfer WAKULLA TITLE COMPANY INC
Nov 7, 2022	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Dec 6, 2018	Warranty Deed, Transfer WAKULLA TITLE COMPANY INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 27, 2023 · Amount on File
Deed Sale	Oct 27, 2023 · Amount on File
Prior Sale	Dec 6, 2018 · Amount on File
Deed Document Number	2023423024
Deed Book / Page	1334 / 390
Last Transfer Date	May 28, 2024
Transfer Doc	0000430085
Record Updated	Sep 20, 2026

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WAKULLA FL
Recording Date	Jul 13, 2026
Property Address	1945 SURF RD, PANACEA, FL 32346-2573
Document Number	0000456077
Book / Page	1471 / 691
Instrument Date	Jul 10, 2026
Instrument	2026456077
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$70.70
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	1945 SURF RD, PANACEA, FL 32346-2573

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WAKULLA FL
Recording Date	Oct 27, 2023
Property Address	SURF RD, PANACEA, FL 32346
Document Number	0000423024
Book / Page	1334 / 390
Map Reference	MB 17 PG 222
Instrument Date	Oct 20, 2023
Instrument	423024
Transaction Type	Transfer
Record Updated	Jan 20, 2026
Title Company	WAKULLA TITLE COMPANY INC

Transaction

Amount	Amount on Record
Tax	$4,200.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 837, PANACEA, FL 32346-0837

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1945 SURF RD, PANACEA, FL 32346-2573

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WAKULLA FL
Recording Date	Nov 7, 2022
Property Address	SURF RD, PANACEA, FL 32346
Document Number	0000411469
Book / Page	1290 / 334
Map Reference	MB 17 PG 222
Instrument Date	Nov 7, 2022
Instrument	411469
Transaction Type	Transfer
Record Updated	Jan 20, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 837, PANACEA, FL 32346-0837

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	PO BOX 837, PANACEA, FL 32346-0837

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WAKULLA FL
Recording Date	Dec 6, 2018
Property Address	1945 SURF RD, PANACEA, FL 32346-2573
Document Number	0000364409
Book / Page	001094 / 000030
Instrument Date	Dec 6, 2018
Instrument	364409
Transaction Type	Transfer
Record Updated	Dec 9, 2020
Title Company	WAKULLA TITLE COMPANY INC

Transaction

Amount	Amount on Record
Tax	$1,540.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	PO BOX 239 MADISON FL 323410239, MADISON, FL 32341-0239

Tax Assessment & Valuation

The 2025 property tax bill for 1945 Surf Rd was $1,953, down 69.1% from the year before.

Source: Wakulla County assessment roll, as of January 5, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,953.00 (-69.14%)	$146,028 (-69.33%) Land $141,900 Building $4,128	$146,028 (-69.33%) Land $141,900 Building $4,128
2024	$6,328.00	$476,090 (+102.69%) Land $472,250 Building $3,840	$476,090 (+102.69%) Land $472,250 Building $3,840
2023		$234,885 (+0.44%) Land $232,325 Building $2,560	$234,885 (+0.44%) Land $232,325 Building $2,560
2022	$3,221.00	$233,861 Land $232,325 Building $1,536	$233,861 Land $232,325 Building $1,536

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 1945 Surf Rd 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 73 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	101 units insured incl. 28 condo units
Nearby Flood Claims	15 (2005–2018)
Most Recent Claim	Oct 2018 · Hurricane Michael
Claims by Event	Hurricane Michael, Oct 2018 · 11 claims Hurricane Hermine, Sep 2016 · 3 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 1945 Surf Rd 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 64% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 42 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Surf Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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