Wakulla County property record for 2161 Surf Rd, Panacea, FL 32346
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,454 sqft · built 1995 |
| Lot Size | 2.25 acres (98,191 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $750,000 (Dec 2024) |
| Tax Bill | $477 (2025) |
| Deeds & Mortgages | Nov 2021 Sale Feb 2018 Mortgage + 2 more |
| Flood Zone | Zone VE (high risk) |
| APN | 03-6S-02W-000-03709-003 |
| Primary APN | 03-6S-02W-000-03709-003 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,454 sqft Heated Area |
| Gross Area | 4,166 sqft |
| Flooring | Laminate Plank |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Foundation Type | Pile |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 98,191 sqft (2.25 acres) |
| Lot Width | 101 ft Width |
| Garage Type | Mixed |
| Garage Area | 720 sqft |
| Carport | Carport |
| Carport Area | 1,664 sqft |
| Driveway | Driveway |
| Driveway Area | 64 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 400 sqft |
| Deck Area | 392 sqft |
| Fence | Fence |
| Shed | 1 Shed |
| Shed Area | 80 sqft |
| Boat Access | Boat Access |
| Boat House | 448 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 2161 SURF RD |
|---|---|
| City | PANACEA |
| State | FL |
| Zip | 32346-2577 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1.51 AC M/L COMMENCING AT THE NE CORNER OF SEC 3-6S-2W P-17-3 M-43 OR 113 P 604 OR 233 P 296 OR 948 P 126 OR 1007 P 177 OR 11 |
| 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 | 2028 |
| Census Tract | 10102 |
Source: Wakulla County records · APN 03-6S-02W-000-03709-003
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 | 2 Company Names on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 2161 SURF RD, PANACEA, FL 32346-2577 |
| Occupancy | Owner Occupied |
| Owner Type | Company, Secondary Individual |
| Vesting | Trust |
| Date | Document |
|---|---|
| Nov 02, 2021 | Warranty Deed, Transfer HAYWARD TITLE GROUP |
| Feb 15, 2018 | Deed of Trust, Mortgage · Commercial Mortgage HANCOCK BANK |
| May 22, 2020 | Deed of Trust, Mortgage · Line of Credit FLORIDA ST UNIV CU |
| Oct 10, 2019 | Warranty Deed, Transfer · Conventional Mortgage TOWNE MORTGAGE COMPANY DBA AMERICU MORTG |
| Deed Names | 3 Verified Names on Deed |
|---|---|
| Last Sale | Dec 12, 2024 · Amount on Record |
| Deed Sale | Dec 12, 2024 · Amount on Record |
| Prior Sale | Nov 02, 2021 · Amount on Record |
| Deed Document Number | 436605 |
| Deed Book / Page | 1389 / 853 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WAKULLA FL |
| Recording Date | Nov 02, 2021 |
| Property Address | 2161 SURF RD, PANACEA, FL 32346-2577 |
| Document Number | 0000398199 |
| Book / Page | 1236 / 523 |
| Instrument Date | Oct 29, 2021 |
| Instrument | 398199 |
| Transaction Type | Transfer |
| Record Updated | Feb 14, 2023 |
| Title Company | HAYWARD TITLE GROUP |
| Amount | Amount Recorded |
|---|---|
| Tax | $4,375.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2161 SURF RD, OCHLOCKONEE BAY, FL 32346-2577 |
| Name | Verified Name |
|---|---|
| Address | 5444 US HIGHWAY 19 S # 5, 5, THOMASVILLE, GA 31757-1217 |
| Investor | Possibly a Property Investor |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WAKULLA FL |
| Property Address | 2161 SURF RD, PANACEA, FL 32346-2577 |
| Transaction Type | Mortgage |
| Record Updated | Apr 01, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000356502 |
|---|---|
| Date | Feb 15, 2018 |
| Book Page | 1063/0222 |
| Instrument | 356502 |
| Name | HANCOCK BANK |
|---|---|
| Type | Bank |
| Address | TALLAHASSEE, FL 32301 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Jan 17, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WAKULLA FL |
| Property Address | 2161 SURF RD, PANACEA, FL 32346-2577 |
| Document Number | 0000379743 |
| Instrument Date | May 22, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 19, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 2161 SURF RD ALLIGATOR POINT FL 323462577, ALLIGATOR POINT, FL 32346-2577 |
| Document Number | 0000379743 |
|---|---|
| Date | Jun 09, 2020 |
| Book Page | 001154/000285 |
| Instrument | 379743 |
| Name | FLORIDA ST UNIV CU |
|---|---|
| Type | Credit Union |
| Address | TALLAHASSEE, FL 32312 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 08, 2050 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WAKULLA FL |
| Recording Date | Oct 10, 2019 |
| Property Address | 2161 SURF RD, PANACEA, FL 32346-2577 |
| Document Number | 0000373227 |
| Book / Page | 1127 / 0262 |
| Instrument Date | Oct 07, 2019 |
| Instrument | 373227 |
| Transaction Type | Transfer |
| Record Updated | Feb 18, 2022 |
| Title Company | HAYWARD TITLE GROUP |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,940.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1400 VILLAGE SQUARE BLVD # BLVD3-259, 1400, TALLAHASSEE, FL 32312-1250 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 2161 SURF RD, PANACEA, FL 32346-2577 |
| Document Number | 0000373228 |
|---|---|
| Date | Oct 10, 2019 |
| Book Page | 1127/0265 |
| Instrument | 373228 |
| Name | TOWNE MORTGAGE COMPANY DBA AMERICU MORTG |
|---|---|
| Address | TROY, MI 48083 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2049 |
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 | $477.00 (-93.55%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $483,379 (-7.56%) | $564,761 (+8%) Land $252,000 Building $312,761 |
| 2024 | $7,398.00 (-0.66%) | $522,932 (-0.26%) Land $252,000 Building $270,932 | $522,932 (-0.26%) Land $252,000 Building $270,932 |
| 2023 | $7,447.00 (+3.79%) | $524,281 (+5.92%) Land $252,000 Building $272,281 | $524,281 (+5.92%) Land $252,000 Building $272,281 |
| 2022 | $7,175.00 | $494,996 Land $252,000 Building $242,996 | $494,996 Land $252,000 Building $242,996 |
Source: FEMA National Flood Hazard Layer as of July 21, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 Record 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 |
|
| Wildfire Risk | Low lower than 62% of the US · lower than 88% of Florida |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | None beyond ember reach |
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 as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
Based on FCC filings for 54 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | PANACEA AREA WATER SYSTEM serves 3,020 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2025 |
| Lead | 6 ppb (2024) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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