2289 Surf Rd, Unit C3, Panacea, FL 32346 Property Records

Wakulla County property record for 2289 Surf Rd, Unit C3, Panacea, FL 32346

Property Summary

Property Type	Condominium
Details	2 bd · 2.5 ba · 1,440 sqft · built 1992
Lot Size	0.024 acres (1,037 sqft)
Owner	2 Individual Names on Record
Last Sale	$282,000 (Aug 2024)
Tax Bill	$2,734 (2025)
Deeds & Mortgages	May 2021 Mortgage Aug 2024 Sale + 1 more
Flood Zone	Zone VE (high risk)
APN	`02-6S-02W-033-03660-C03`

Property Details

APN / Parcel Number

Primary APN	`02-6S-02W-033-03660-C03`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Units	19 Units
Stories	2 Stories
Building Area	1,440 sqft Living Area
Gross Area	2,664 sqft
1st Floor Area	720 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Condo/Apartment
Exterior Material	Concrete Block
Construction Type	Concrete
Roof Type	Gable/Hip
Roof Material	Asbestos
Lot Area	1,037 sqft (0.024 acres)
View / Lot	Condo
Garage Type	Attached
Garage Area	720 sqft
Porch	Finished/Open Porch
Porch Area	360 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2289 SURF RD, C3
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 3 OR 87 P 988 & OR 90 P 605-610 OR 110 P 524 & OR 106 P 586 OR 252 P 715 OR 399 P 12 OR 559 P 605 OR 628 P 122 OR 1166 P 20 OR 1373 P 733
Legal Range	02W
Legal Township	06S
Legal Section	02
Legal Subdivision	BAYSIDE VILLAS
Legal Unit	3
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 July 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2289 SURF RD, C3, PANACEA, FL 32346-2659
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Aug 15, 2024	Warranty Deed, Transfer HAYWARD TITLE GROUP
Aug 24, 2020	Warranty Deed, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 15, 2024 · Amount on Record
Deed Sale	Aug 15, 2024 · Amount on Record
Prior Sale	Aug 24, 2020 · Amount on Record
Deed Document Number	2024432751
Deed Book / Page	1373 / 733
Record Updated	Sep 20, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAKULLA FL
Property Address	2289 SURF RD UNIT C3, C3, PANACEA, FL 32346-2659
Transaction Type	Mortgage
Record Updated	Jan 20, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4657 CYPRESS POINT RD, TALLAHASSEE, FL 32305-8097

Mortgage

Document Number	0000392274
Date	May 27, 2021
Book Page	1210/555
Instrument	392274

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

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

August 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WAKULLA FL
Recording Date	Aug 15, 2024
Property Address	2289 SURF RD UNIT C3, C3, PANACEA, FL 32346-2659
Document Number	0000432751
Book / Page	1373 / 733
Map Reference	MB 88 PG 1
Instrument Date	Aug 13, 2024
Instrument	432751
Transaction Type	Transfer
Record Updated	Jan 20, 2026
Title Company	HAYWARD TITLE GROUP

Transaction

Amount	Amount Recorded
Tax	$1,974.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4657 CYPRESS POINT RD, TALLAHASSEE, FL 32305-8097

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2289 SURF RD UNIT C3, C3, PANACEA, FL 32346-2659

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WAKULLA FL
Recording Date	Aug 24, 2020
Property Address	2289 SURF RD UNIT C03, C03, PANACEA, FL 32346-2659
Document Number	0000382285
Book / Page	1166 / 20
Map Reference	MB 88 PG 1
Instrument Date	Aug 14, 2020
Instrument	382285
Transaction Type	Transfer
Record Updated	Sep 21, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,183.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1814 US HIGHWAY 41 N, 1814, TIFTON, GA 31794-3208

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4657 CYPRESS POINT RD, TALLAHASSEE, FL 32305-8097

Mortgage

Document Number	0000116623
Date	Aug 24, 2020
Instrument	1166/23

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

Source: Wakulla County assessment roll, as of January 5, 2026

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	$2,734.00 (+9.8%) Homeowner's exemption	$225,412 (+33.54%) Building $225,412	$225,412 (+33.54%) Building $225,412
2024	$2,490.00 (+1.01%)	$168,797 (-1.52%) Building $168,797	$168,797 (-1.52%) Building $168,797
2023	$2,465.00 (+12.66%)	$171,410 (+15.95%) Building $171,410	$171,410 (+15.95%) Building $171,410
2022	$2,188.00	$147,835 Building $147,835	$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	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)

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