2289 Surf Rd, Unit C1, Panacea, FL 32346 Property Records

Wakulla County property record for 2289 Surf Rd, Unit C1, 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 File
Last Sale	$295,000 (Dec 2023)
Tax Bill	$3,646 (2025)
Deeds & Mortgages	May 2021 Mortgage Dec 2023 Transfer + 3 more
Flood Zone	Zone VE (high risk)
APN	`02-6S-02W-033-03660-C01`

Property Details

APN / Parcel Number

Primary APN	`02-6S-02W-033-03660-C01`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,440 sqft Heated Area
Gross Area	3,464 sqft
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	1,160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	2289 SURF RD UNIT C1, C1
City	PANACEA
State	FL
Zip	32346-2659
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	BAYSIDE VILLAS OF PANACEA BUILDING C UNIT 1 OR 87 P 988 OR 90 P 605-610 OR 106 P 586 OR 110 P 524 OR 216 P 499 OR 219 P 189 O
Legal Range	02W
Legal Township	06S
Legal Section	02
Legal Subdivision	BAYSIDE VILLAS/PANACEA
Legal Lot Number	2
Legal Unit	1
Jurisdiction	WAKULLA FL
Township / Civil Division	WEST WAKULLA
Census Block Group	2
Census Block	2058
Census Tract	10102

Owner

2289 Surf Rd, Unit C1 is owned by an individual who acquired it in December 2023.

Source: Wakulla County records, as of January 19, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	326 AL HIGHWAY 155, JEMISON, AL 35085-3108
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK
Dec 28, 2023	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Dec 6, 2023	Warranty Deed, Transfer · Conventional Mortgage AMERIS BANK
Aug 23, 2021	Warranty Deed, Transfer WAKULLA TITLE COMPANY INC
Nov 16, 2018	Warranty Deed, Transfer · Conventional Mortgage SUNTRUST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 6, 2023 · Amount on File
Deed Sale	Dec 6, 2023 · Amount on File
Prior Sale	Dec 6, 2023 · Amount on File
Deed Document Number	0000424329
Deed Book / Page	1339 / 463
Last Transfer Date	Dec 28, 2023
Transfer Doc	0000424951
Record Updated	Jun 8, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAKULLA FL
Property Address	2289 SURF RD UNIT C1, C1, PANACEA, FL 32346-2659
Transaction Type	Mortgage
Record Updated	Jan 20, 2026
Title Company	UNKNOWN, WAKULLA TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2289 SURF RD, PANACEA, FL 32346-2658

Mortgage

Document Number	0000391928
Date	May 19, 2021
Book Page	1209/185
Instrument	391928

Lender

Name	TRUIST BANK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2036

December 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WAKULLA FL
Recording Date	Dec 28, 2023
Property Address	2289 SURF RD UNIT C1, C1, PANACEA, FL 32346-2659
Document Number	0000424951
Book / Page	1342 / 184
Map Reference	MB 88 PG 1
Instrument Date	Dec 20, 2023
Instrument	424951
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	326 AL HIGHWAY 155, JEMISON, AL 35085-3108

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WAKULLA FL
Recording Date	Dec 6, 2023
Property Address	2289 SURF RD UNIT C1, C1, PANACEA, FL 32346-2659
Document Number	0000424329
Book / Page	1339 / 463
Map Reference	MB 88 PG 1
Instrument Date	Nov 29, 2023
Instrument	424329
Transaction Type	Transfer
Record Updated	Jan 20, 2026
Title Company	WAKULLA TITLE COMPANY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,065.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 711, PANACEA, FL 32346-0711

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	326 AL HIGHWAY 155, JEMISON, AL 35085-3108

Mortgage

Document Number	0001339466
Date	Dec 6, 2023
Instrument	1339/466

Lender

Name	AMERIS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2053

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WAKULLA FL
Recording Date	Aug 23, 2021
Property Address	2289 SURF RD UNIT C1, C1, PANACEA, FL 32346-2659
Document Number	0000395644
Book / Page	1225 / 355
Map Reference	MB 123 PG 931
Instrument Date	Aug 19, 2021
Instrument	395644
Transaction Type	Transfer
Record Updated	Jan 20, 2026
Title Company	WAKULLA TITLE COMPANY INC

Transaction

Amount	Amount on Record
Tax	$1,855.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2289 SURF RD # RDC1, RDC1, PANACEA, FL 32346-2658

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 711, PANACEA, FL 32346-0711

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WAKULLA FL
Recording Date	Nov 16, 2018
Property Address	2289 SURF RD UNIT C01, C01, PANACEA, FL 32346-2659
Document Number	0000363937
Book / Page	1092 / 0158
Map Reference	MB 123 PG 931
Instrument Date	Nov 14, 2018
Instrument	363937
Transaction Type	Transfer
Record Updated	Sep 21, 2022
Title Company	WAKULLA TITLE CO INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,134.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	932 ROSEMARY TER, 932, TALLAHASSEE, FL 32303-3909

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2289 SURF RD # C-1, C1, PANACEA, FL 32346-2659

Mortgage

Document Number	0000363938
Date	Nov 16, 2018
Instrument	363938

Lender

Name	SUNTRUST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 2289 Surf Rd, Unit C1 was $3,646, up 1.1% from the year before.

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	$3,646.00 (+1.11%)	$253,470 (+0.25%) Building $253,470	$253,470 (+0.25%) Building $253,470
2024	$3,606.00 (+83.14%)	$252,848 (+45.39%) Building $252,848	$252,848 (-1.14%) Building $252,848
2023	$1,969.00 (+2.13%) Homeowner's exemption Widower's exemption	$173,906 (+3%)	$255,764 (+16.36%) Building $255,764
2022	$1,928.00 Homeowner's exemption	$168,841	$219,809 Building $219,809

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

Flood

FEMA maps place 2289 Surf Rd, Unit C1 in Zone VE, a high-risk coastal flood area; flood insurance is required for federally backed loans.

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 File 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

Wildfire risk around 2289 Surf Rd, Unit C1 is high, ranking above 73% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	High above 73% of the US · above 58% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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)

Nearby Properties on Surf Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures