21 River Dr, Panacea, FL 32346 Property Records

Wakulla County property record for 21 River Dr, Panacea, FL 32346

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 664 sqft · built 1955
Lot Size	0.485 acres (21,127 sqft)
Owner	2 Individual Names on File
Last Sale	$135,000 (Apr 2019)
Tax Bill	$812 (2025)
Deeds & Mortgages	Apr 2019 Sale & Mortgage
Flood Zone	Zone VE (high risk)
APN	`03-6S-02W-036-03808-000`

Property Details

APN / Parcel Number

Primary APN	`03-6S-02W-036-03808-000`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	664 sqft Heated Area
Gross Area	1,242 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1955
Effective Year Built	Effective 2015
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	21,127 sqft (0.485 acres)
Lot Dimensions	255 ft deep x 83 ft wide

Exterior Amenities

Porch	Finished/Screened Porch
Porch Area	382 sqft
Deck Area	266 sqft
Utility Building	160 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	21 RIVER DR
City	PANACEA
State	FL
Zip	32346-2527
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIVER BEND SUB BLOCK C LOT 2 OR 92 P 494 OR 97 P 990 OR 160 P 919 & OR 264 P 276 OR 529 P 382 OR 676 P 872 OR 905 P 100 OR 93
Legal Range	02W
Legal Township	06S
Legal Section	03
Legal Subdivision	RIVER BEND SUB
Legal Block	C
Legal Lot Number	2
Jurisdiction	WAKULLA FL
Township / Civil Division	WEST WAKULLA
Census Block Group	2
Census Block	2036
Census Tract	10102

Owner

21 River Dr is owned and occupied by two individuals who bought it in April 2019.

Source: Wakulla County records, as of January 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	21 RIVER DR, PANACEA, FL 32346-2527
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 4, 2019 · Amount on File
Deed Sale	Apr 4, 2019 · Amount on File
Prior Sale	Feb 3, 2014 · Amount on File
Deed Document Number	367766
Deed Book / Page	1106 / 0054
Record Updated	Jun 8, 2026

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WAKULLA FL
Recording Date	Apr 4, 2019
Property Address	21 RIVER DR, PANACEA, FL 32346-2527
Document Number	0000367766
Book / Page	001106 / 000054
Instrument Date	Mar 20, 2019
Instrument	367766
Transaction Type	Transfer
Record Updated	Apr 12, 2019
Title Company	WAKULLA TITLE COMPANY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$945.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	55 KELLER AVE LANCASTER PA 176014031, LANCASTER, PA 17601-4031

Mortgage

Document Number	367767
Date	Apr 4, 2019
Book Page	001106/000056
Instrument	367767

Lender

Name	PATSY L & GLAD D CARMONEY
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	84 Months
Due	Apr 3, 2026

Interest

Rate	5%

Tax Assessment & Valuation

The 2025 property tax bill for 21 River Dr was $812 with exemptions applied, up 5.5% from the year before.

Source: Wakulla County assessment roll, as of July 1, 2025

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	$812.00 (+5.45%) Homeowner's exemption Additional exemption filed	$86,659 (+2.9%)	$111,451 (+13.48%) Land $20,000 Building $91,451
2024	$770.00 (+1.32%) Homeowner's exemption Additional exemption filed	$84,217 (+3%)	$98,214 (-2.82%) Land $20,000 Building $78,214
2023	$760.00 (+15.5%) Homeowner's exemption Additional exemption filed	$81,764 (+3%)	$101,065 (+10.45%) Land $22,000 Building $79,065
2022	$658.00 Homeowner's exemption Additional exemption filed	$79,383	$91,502 Land $12,000 Building $79,502

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

Flood

FEMA maps place 21 River Dr 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 21 River Dr is moderate, ranking above 67% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 67% of the US · above 47% of Florida
Wildfire Likelihood	0.2% 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 River Dr

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