197 Harbor Cir, Panacea, FL 32346 Property Records

Franklin County property record for 197 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 1986
Square Footage	1,056 sqft Living Area
Lot Size	14,985 sqft (0.344 acres)
Last Sale	$525,000 (2021)
Tax Bill	$5,008.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`06-07S-01W-0000-0100-0000`
Alternative APN	`01W07S06000001000000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Partial Baths	1 Partial Baths
Building Area	1,056 sqft Living Area
1st Floor	1,056 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Vinyl/Resilient Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1986
Architectural Style	Bungalow Style
Roof Construction	Gable/Hip Roof Construction
Roof Material	Metal Roof
Lot Area	14,985 sqft (0.344 acres)
Depth X Width	150 ft x 100 ft Depth x Width
Porch Area	648 sqft Porch
Boat Access	Boat Access

Utilities and HVAC

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

Location & Zoning

Street Address	197 HARBOR CIR
City	PANACEA
State	FL
Zip	32346-5131
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	100 FT X 150 FT OR/89/532 572/361 785/406 1069/224 1069/227 1077/99 1310/341
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-0000-0100-0000

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	2 Individual Names on File
Mailing Address	3701 PINE TIP RD, TALLAHASSEE, FL 32312-1016
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 09, 2021 · Amount on Record
Deed Sale	Aug 09, 2021 · Amount on Record
Prior Sale	Oct 22, 2012 · Amount on Record
Deed Doc Number	20215056
Deed Book / Page	1310 / 341
Prior Transfer Date	Jul 23, 2012
Prior Transfer Doc	0019006062
Record Refreshed	Jun 08, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN FL
Recording Date	Aug 09, 2021
Property Address	197 HARBOR CIR, PANACEA, FL 32346-5131
Document Number	0019005056
Book / Page	1310 / 341
Instrument Date	Aug 06, 2021
Instrument	202119005056
Transaction Type	Transfer
Record Updated	May 10, 2022
Title Company	OWEN TITLE COMPANY INC

Transaction

Amount	Amount Recorded
Tax	$3,675.00
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	459 JUNIPER CREEK RD, 459, QUINCY, FL 32351-5744

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3701 PINE TIP RD, TALLAHASSEE, FL 32312-1016

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	$5,008.00 (-0.58%)	$468,483 (-0.33%) Land $240,000 Building $228,483	$468,483 (-0.33%) Land $240,000 Building $228,483
2024	$5,037.00 (+6.47%)	$470,034 (+13.5%) Land $240,000 Building $230,034	$470,034 (+13.5%) Land $240,000 Building $230,034
2023	$4,731.00 (+0.15%)	$414,128 (+2.91%) Land $240,000 Building $174,128	$414,128 (+2.91%) Land $240,000 Building $174,128
2022	$4,724.00	$402,424 Land $240,000 Building $162,424	$402,424 Land $240,000 Building $162,424

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.