2289 Surf Rd, Unit B5, Panacea, FL 32346 Property Records

Wakulla County property record for 2289 Surf Rd, Unit B5, 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	$269,000 (Apr 2022)
Tax Bill	$3,662 (2025)
Deeds & Mortgages	Apr 2022 Sale & Mortgage Aug 2018 Sale & Mortgage
Flood Zone	Zone VE (high risk)
APN	`02-6S-02W-033-03660-B05`

Property Details

APN / Parcel Number

Primary APN	`02-6S-02W-033-03660-B05`

Interior

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

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2010
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 B5, B5
City	PANACEA
State	FL
Zip	32346-2659
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	BAYSIDE VILLAS OF PANACEA BUILDING B UNIT 5 OR 87 P 988 OR 90 P 605-610 OR 106 P 586 OR 110 P 524 OR 319 P 879 OR 406 P 572 O
Legal Range	02W
Legal Township	06S
Legal Section	02
Legal Subdivision	BAYSIDE PANACEA VILLAS
Legal Lot Number	2
Legal Unit	5
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	1210 MITCHELL AVE, TALLAHASSEE, FL 32303-6453
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 26, 2022	Warranty Deed, Transfer · Conventional Mortgage TC FEDERAL BANK
Aug 27, 2018	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 26, 2022 · Amount on Record
Deed Sale	Apr 26, 2022 · Amount on Record
Prior Sale	Aug 27, 2018 · Amount on Record
Deed Document Number	404414
Deed Book / Page	1262 / 483
Record Updated	Jun 8, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WAKULLA FL
Recording Date	Apr 26, 2022
Property Address	2289 SURF RD UNIT B5, B5, PANACEA, FL 32346-2659
Document Number	0000404414
Book / Page	1262 / 483
Map Reference	MB 88 PG 1
Instrument Date	Apr 22, 2022
Instrument	404414
Transaction Type	Transfer
Record Updated	Jan 20, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,883.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	239 E BUFFALO BLUFF RD LOT 216, 216, SATSUMA, FL 32189-2735

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1210 MITCHELL AVE, TALLAHASSEE, FL 32303-6453

Mortgage

Document Number	0001262484
Date	Apr 26, 2022
Instrument	1262/484

Lender

Name	TC FEDERAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	May 1, 2032
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	5.75%
Index	Other
Max Rate	9.75%

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WAKULLA FL
Recording Date	Aug 27, 2018
Property Address	2289 SURF RD UNIT B05, B05, PANACEA, FL 32346-2659
Document Number	0000361848
Book / Page	001083 / 000791
Instrument Date	Aug 24, 2018
Instrument	361848
Transaction Type	Transfer
Record Updated	Sep 3, 2018
Title Company	WAKULLA TITLE COMPANY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,232.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1118 S PARK AVE SANFORD FL 327712852, SANFORD, FL 32771-2852

Mortgage

Document Number	361849
Date	Aug 27, 2018
Book Page	001083/000793
Instrument	361849

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 26, 2048

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	$3,662.00 (+19.17%)	$284,890 (+33.96%) Building $284,890	$284,890 (+33.96%) Building $284,890
2024	$3,073.00 (-1.51%)	$212,665 (-1.21%) Building $212,665	$212,665 (-1.21%) Building $212,665
2023	$3,120.00 (+98.22%)	$215,277 (+50.37%) Building $215,277	$215,277 (+45.62%) Building $215,277
2022	$1,574.00 Homeowner's exemption	$143,166	$147,835 Building $147,835

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	PANACEA AREA WATER SYSTEM serves 3,020 people · EPA ID FL1650514
Water Source	Groundwater
Last State Inspection	May 2025
Lead	6 ppb (2024) action level 15 ppb

Violations Reported to EPA

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, not water tested at this address; lead at the tap also depends on the building's own pipes.

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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