Wakulla County property record for 2104 Surf Rd, Panacea, FL 32346 · Last verified January 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,684 sqft · built 1955 |
| Lot Size | 1.01 acres (44,223 sqft) |
| Owner | Individual Name on File |
| Last Sale | $51,000 (Sep 1993) |
| Tax Bill | $757 (2025) |
| Flood Zone | Zone VE (high risk) |
| APN | 03-6S-02W-000-03705-000 |
| Primary APN | 03-6S-02W-000-03705-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,684 sqft Heated Area |
| Gross Area | 1,849 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1981 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Flat |
| Roof Material | Built-Up Asphalt |
| Lot Area | 44,223 sqft (1.01 acres) |
| Porch | Open Porch |
|---|---|
| Porch Area | 165 sqft |
| Patio Area | 160 sqft |
| Utility Building | 168 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 2104 SURF RD |
|---|---|
| City | PANACEA |
| State | FL |
| Zip | 32346-2566 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 3-6S-2W P-14-M-43 PARCEL 210 X 210 FT IN SE 1/4 OF SEC 3 OR 32 P 138 OR 102 P 786 OR 218 P 728 |
| Legal Range | 02W |
| Legal Township | 06S |
| Legal Section | 03 |
| Legal Lot Number | 3 |
| Jurisdiction | WAKULLA FL |
| Township / Civil Division | WEST WAKULLA |
| Census Block Group | 2 |
| Census Block | 2025 |
| Census Tract | 10102 |
Source: Wakulla County records · APN 03-6S-02W-000-03705-000
Assessment roll updated July 1, 2025 · Last verified January 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2104 SURF RD, PANACEA, FL 32346-2566 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 07, 1993 · Amount on Record |
| Deed Sale | Sep 07, 1993 · Amount on Record |
| Deed Document Number | 0000218728 |
| Record Updated | Jun 08, 2026 |
Source: Wakulla County records · Assessment roll updated July 1, 2025 · Last verified January 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Wakulla County |
| Unified School District | Wakulla County School District (PK - 12) |
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 | $757.00 (-16.63%) Homeowner's exemption Widower's exemption Additional exemption filed | $81,578 (+2.9%) | $141,203 (+11.51%) Land $30,000 Building $111,203 |
| 2024 | $908.00 (+4.01%) Homeowner's exemption Widower's exemption | $79,279 (+3.7%) | $126,632 (-0.9%) Land $30,000 Building $96,632 |
| 2023 | $873.00 (+5.56%) Homeowner's exemption Widower's exemption | $76,448 (+3%) | $127,786 (+4.21%) Land $30,000 Building $97,786 |
| 2022 | $827.00 Homeowner's exemption Widower's exemption | $74,221 | $122,627 Land $30,000 Building $92,627 |
Source: FEMA National Flood Hazard Layer, Wakulla County (12129C), updated July 21, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121290101022, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone VE coastal, wave action |
|---|---|
| Special Flood Hazard Area | Yes |
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 19.0 ft |
| Coastal | Yes |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Flood Insurance Cost | Premium on Record median of 73 individual NFIP policies nearby |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 101 units insured 28 under condo master policies |
| Nearby Flood Claims | 15 (2005–2018) |
| Most Recent Claim | Oct 2018, Hurricane Michael |
| Claims By Storm |
|
| Wildfire Risk | High above 75% of the US · above 62% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 380 per year |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 39 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Xfinity | Cable | 1,200 / 35 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
5G and 4G LTE (outdoors only)
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