Franklin County property record for 228 Bay Dr, Panacea, FL 32346
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,628 sqft · built 1987 |
| Lot Size | 0.123 acres (5,401 sqft) |
| Owner | Trust Name on File |
| Tax Bill | $3,644 (2025) |
| Flood Zone | Zone VE (high risk) |
| APN | 28-06S-02W-0000-0020-0351 |
| Primary APN | 28-06S-02W-0000-0020-0351 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,628 sqft Heated Area |
| Gross Area | 1,848 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1987 |
|---|---|
| Exterior Material | Other |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 5,401 sqft (0.123 acres) |
| Lot Dimensions | 155 ft deep x 35 ft wide |
| Porch | Finished/Screened Porch |
| Porch Area | 220 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 228 BAY DRIVE |
|---|---|
| City | PANACEA |
| State | FL |
| Zip | 32346 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | THE SOUTH EASTERLY ONE HALF OF LOT 18 BAY NORTH OR 253/251 OR 356/241 715/225 |
| Legal Range | 02W |
| Legal Township | 06S |
| Legal Section | 28 |
| Legal Subdivision | BAY NORTH |
| Legal Lot Number | 18 |
| Jurisdiction | FRANKLIN FL |
| Township / Civil Division | CARRABELLE |
| Census Block Group | 2 |
| Census Block | 2094 |
| Census Tract | 970102 |
228 Bay Dr is held in a trust since October 2002.
Source: Franklin County records, as of January 5, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 807 GREENBRIER LN, TALLAHASSEE, FL 32308-3393 |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 17, 2002 |
| Deed Sale | Oct 17, 2002 |
| Deed Document Number | 0000715225 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 228 Bay Dr was $3,644, down 1% from the year before.
Source: Franklin County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Franklin County |
| Unified School District | Franklin County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,644.00 (-1.01%) | $383,365 (-1.05%) Land $212,500 Building $170,865 | $383,365 (-1.05%) Land $212,500 Building $170,865 |
| 2024 | $3,681.00 (+6.57%) | $387,449 (+12.39%) Land $212,500 Building $174,949 | $387,449 (+12.39%) Land $212,500 Building $174,949 |
| 2023 | $3,454.00 (-3.3%) | $344,721 (-0.82%) Land $212,500 Building $132,221 | $344,721 (-0.82%) Land $212,500 Building $132,221 |
| 2022 | $3,572.00 | $347,570 Land $212,500 Building $135,070 | $347,570 Land $212,500 Building $135,070 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 228 Bay 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 April 23, 2025 · 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 | 17.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 293 individual policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 329 units insured incl. 36 condo units |
| Nearby Flood Claims | 72 (2005–2024) |
| Most Recent Claim | Sep 2024 · Hurricane Helene |
| Claims by Event |
|
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 risk around 228 Bay Dr is high, ranking above 70% of the US, with a 0.3% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 70% of the US · above 52% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 38 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Xtream Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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