2289 Surf Rd, Unit A3, Panacea, FL 32346 Property Records

Wakulla County property record for 2289 Surf Rd, Unit A3, Panacea, FL 32346

Property Summary

Property Type	Condominium
Details	2 bd · 3 ba · 1,440 sqft · built 1992
Lot Size	0.023 acres (1,037 sqft)
Owner	Individual Name on Record
Last Sale	$252,000 (Jul 2024)
Tax Bill	$3,445 (2025)
Deeds & Mortgages	Jul 2024 Sale & Mortgage Oct 2022 Transfer + 1 more
Flood Zone	Zone VE (high risk)
APN	`02-6S-02W-033-03660-A03`

Property Details

APN / Parcel Number

Primary APN	`02-6S-02W-033-03660-A03`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,440 sqft Heated Area
Gross Area	2,664 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Exterior Material	Stucco
Construction Type	Concrete
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Asbestos
Lot Area	1,037 sqft (0.023 acres)
Garage Type	Finished
Garage Area	720 sqft
Porch	Porch
Porch Area	360 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	2289 SURF RD UNIT A3, A3
City	PANACEA
State	FL
Zip	32346-2659
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	BAYSIDE VILLAS OF PANACEA BLDG A UT 3 OR 90 P 605-610 & OR 96 P 859 OR 546 P 492 OR 877 P 97 OR 1156 P 172 OR 1289 P 145 OR 1
Legal Range	02W
Legal Township	06S
Legal Section	02
Legal Subdivision	BAYSIDE VILLAS/PANACEA
Legal Lot Number	2
Jurisdiction	WAKULLA FL
Township / Civil Division	WEST WAKULLA
Census Block Group	2
Census Block	2058
Census Tract	10102

Owner

Source: Wakulla County records, as of January 19, 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 Record
Co-owner	Co-owner on Record
Mailing Address	3185 COUNTY ROAD 76, CLANTON, AL 35045-8225
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 2, 2024	Warranty Deed, Transfer · Conventional Mortgage AMERIS BANK
Oct 27, 2022	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Jun 19, 2020	Warranty Deed, Transfer WAKULLA TITLE COMPANY INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 2, 2024 · Amount on Record
Deed Sale	Jul 2, 2024 · Amount on Record
Prior Sale	Oct 27, 2022
Deed Document Number	431205
Deed Book / Page	1367 / 124
Record Updated	Jun 8, 2026

July 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WAKULLA FL
Recording Date	Jul 2, 2024
Property Address	2289 SURF RD UNIT A3, A3, PANACEA, FL 32346-2659
Document Number	0000431205
Book / Page	1367 / 124
Map Reference	MB 88 PG 1-87
Instrument Date	Jun 28, 2024
Instrument	431205
Transaction Type	Transfer
Record Updated	Jan 20, 2026
Title Company	WAKULLA TITLE COMPANY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 837, PANACEA, FL 32346-0837

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3185 COUNTY ROAD 76, CLANTON, AL 35045-8225

Mortgage

Document Number	0001367126
Date	Jul 2, 2024
Instrument	1367/126

Lender

Name	AMERIS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2054

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WAKULLA FL
Recording Date	Oct 27, 2022
Property Address	2289 SURF RD UNIT A3, A3, PANACEA, FL 32346-2659
Document Number	0000411137
Book / Page	1289 / 145
Map Reference	MB 88 PG 1-87
Instrument Date	Oct 27, 2022
Instrument	411137
Transaction Type	Transfer
Record Updated	Jan 20, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 837, PANACEA, FL 32346-0837

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	PO BOX 837, PANACEA, FL 32346-0837

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WAKULLA FL
Recording Date	Jun 19, 2020
Property Address	2289 SURF RD UNIT A03, A03, PANACEA, FL 32346-2659
Document Number	0000380149
Book / Page	001156 / 000172
Instrument Date	Jun 12, 2020
Instrument	380149
Transaction Type	Transfer
Record Updated	Jun 30, 2020
Title Company	WAKULLA TITLE COMPANY INC

Transaction

Amount	Amount Recorded
Tax	$1,085.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	PO BOX 837 PANACEA FL 323460837, PANACEA, FL 32346-0837

Tax Assessment & Valuation

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	$3,445.00 (+152.94%)	$238,415 (+92.58%) Building $238,415	$238,415 (+33.86%) Building $238,415
2024	$1,362.00 (+2.64%) Homeowner's exemption	$123,802 (+2.54%)	$178,106 (+3.91%) Building $178,106
2023	$1,327.00 (+9.13%) Homeowner's exemption	$120,741 (+3%)	$171,410 (+15.95%) Building $171,410
2022	$1,216.00 Homeowner's exemption	$117,224	$147,835 Building $147,835

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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 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	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

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

Wildfire Risk	Moderate above 68% of the US · above 48% of Florida
Wildfire Likelihood	0.2% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 54 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

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