2181 Surf Rd, Panacea, FL 32346 Property Records

Wakulla County property record for 2181 Surf Rd, Panacea, FL 32346 · Last verified January 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,871 sqft · built 1991
Lot Size	5.23 acres (227,819 sqft)
Owner	Individual Name on File
Last Sale	$700,000 (Jun 2020)
Tax Bill	$7,073 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Jun 2020 Sale & Mortgage
Flood Zone	Zone VE (high risk)
APN	`03-6S-02W-000-03709-002`

Property Details

APN / Parcel Number

Primary APN	`03-6S-02W-000-03709-002`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,871 sqft Heated Area
Gross Area	7,685 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 1991
Effective Year Built	Effective 2014
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Pile
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	227,819 sqft (5.23 acres)
Lot Dimensions	250 ft deep x 110 ft wide
Garage Type	Carport
Garage Area	1,440 sqft
Carport	Carport
Carport Area	1,358 sqft
Driveway	Driveway
Driveway Area	384 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	983 sqft
Deck Area	121 sqft
Patio Area	776 sqft
Shed	1 Shed
Shed Area	80 sqft
Utility Building	90 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	2181 SURF RD
City	PANACEA
State	FL
Zip	32346-2577
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	03-6S-2W P-17-2-M-43 1.75 ACRES M/L LYING IN SEC 3 OR 105 P 314 315 & 316 OR 136 P 603 OR 157 P 941 OR 1156 P 746
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

Owner

Source: Wakulla County records · APN 03-6S-02W-000-03709-002

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	2181 SURF RD, PANACEA, FL 32346-2577
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 15, 2022	Deed of Trust, Mortgage · VA Mortgage USAA FSB
Jun 23, 2020	Warranty Deed, Transfer · VA Mortgage USAA

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 23, 2020 · Amount on Record
Deed Sale	Jun 23, 2020 · Amount on Record
Deed Document Number	0001156746
Deed Book / Page	1156 / 746
Record Updated	Jun 08, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAKULLA FL
Property Address	2181 SURF RD, PANACEA, FL 32346-2577
Transaction Type	Mortgage
Record Updated	Mar 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000401760
Date	Feb 15, 2022
Book Page	1251/479
Instrument	401760

Lender

Name	USAA FSB
Type	Bank
Address	SAN ANTONIO, TX 78288

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2052

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WAKULLA FL
Recording Date	Jun 23, 2020
Property Address	2181 SURF RD, PANACEA, FL 32346-2577
Document Number	0000380292
Book / Page	001156 / 000746
Instrument Date	Jun 23, 2020
Instrument	380292
Transaction Type	Transfer
Record Updated	Jun 30, 2020
Title Company	FIRST INT'L TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$4,900.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2181 SURF RD PANACEA FL 323462577, PANACEA, FL 32346-2577

Mortgage

Document Number	380293
Date	Jun 23, 2020
Book Page	001156/000748
Instrument	380293

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 22, 2050

Tax Assessment & Valuation

Source: Wakulla County records · Assessment roll updated July 1, 2025 · Last verified January 2026

Property Jurisdictions

Type	Name
State	Florida
County	Wakulla County
Unified School District	Wakulla 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	$7,073.00 (+4.09%) Homeowner's exemption	$537,194 (+4.05%)	$712,957 (-0.9%) Land $211,454 Building $501,503
2024	$6,795.00 (+3.72%) Homeowner's exemption	$516,268 (+4.05%)	$719,399 (-5.09%) Land $211,454 Building $507,945
2023	$6,551.00 (+2.25%) Homeowner's exemption	$496,172 (+3.54%)	$758,017 (+12.45%) Land $211,454 Building $546,563
2022	$6,407.00 Homeowner's exemption	$479,200	$674,074 Land $211,454 Building $462,620

Flood & Wildfire

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

Flood

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	Hurricane Michael, Oct 2018 · 11 claims Hurricane Hermine, Sep 2016 · 3 claims

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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 54 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	1,200 / 35
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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